New Mexico HOA Analysis

Analysis of 100 HOA communities in New Mexico

100

HOAs Analyzed

91.0%

Have Restrictions

National avg: 90.2% • Ranked #25

Avg HOA Score

Ranked #7 of 40 states

56/100

Governance Power

Ranked #20 of 40

62/100

Homeowner Protections

No-appeal flagged: 6.0% • Ranked #17

$367

Avg Fine Ceiling

No fine cap: 10.0% • Ranked #15

Financial Enforcement

Avg Fine Ceiling$367

No Fine Cap (rate)10.0%

Escalating Daily Fines0.0%

Avg Enforcement Authority56/100

National Rank (power)#20

Due Process

Avg Due Process Risk38/100

No Appeal (rate)6.0%

Avg Restrictions per HOA19

National Rank (risk)#22

High-Risk Clauses

Signals lawmakers care about

Potentially Illegal Clauses24.0% (#37)

Fee Shifting0.0%

Unilateral Rules11.0%

Foreclosure / Control

Enforcement leverage indicators

Foreclosure Risk Language29.0% (#28)

Developer Control0.0%

High Enforcement Authority23.0%

How New Mexico Compares to National Average

Restriction Rate+0.8% vs national avg

New Mexico-Specific Insights

High Restriction Rate

New Mexico has a significantly higher restriction rate than the national average.

Foreclosure Leverage

29.0% of HOA documents show foreclosure-related enforcement language.

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