Tennessee HOA Analysis

Analysis of 194 HOA communities in Tennessee

194

HOAs Analyzed

91.8%

Have Restrictions

National avg: 90.2% • Ranked #21

Avg HOA Score

Ranked #23 of 40 states

55/100

Governance Power

Ranked #22 of 40

59/100

Homeowner Protections

No-appeal flagged: 6.2% • Ranked #15

$696

Avg Fine Ceiling

No fine cap: 8.2% • Ranked #21

Financial Enforcement

Avg Fine Ceiling$696

No Fine Cap (rate)8.2%

Escalating Daily Fines1.5%

Avg Enforcement Authority55/100

National Rank (power)#22

Due Process

Avg Due Process Risk41/100

No Appeal (rate)6.2%

Avg Restrictions per HOA26

National Rank (risk)#8

High-Risk Clauses

Signals lawmakers care about

Potentially Illegal Clauses36.6% (#19)

Fee Shifting0.5%

Unilateral Rules5.7%

Foreclosure / Control

Enforcement leverage indicators

Foreclosure Risk Language44.3% (#16)

Developer Control0.5%

High Enforcement Authority28.4%

How Tennessee Compares to National Average

Restriction Rate+1.6% vs national avg

Tennessee-Specific Insights

High Restriction Rate

Tennessee has a significantly higher restriction rate than the national average.

Foreclosure Leverage

44.3% of HOA documents show foreclosure-related enforcement language.

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