Homeowner Association Nightmares: People Are Sharing The Most Infuriating Encounters They've Had With HOAs (35 New Pics)

Now, I don't mean to vilify all HOAs. Some homeowners really do appreciate their presence. Access to amenities and increased community engagement are two possible perks of an HOA. Someone has to ensure that the neighborhood pool and playgrounds are up to safety standards, and it can be a lot of fun to have a community-wide barbeque with fireworks on the 4th of July.

Some residents also credit their HOA for maintaining their home's property value. That freshly manicured lawn speckled with bright flowers that greets you when you enter the neighborhood is the responsibility of the HOA. And if a calm, quiet neighborhood is important to you, rest assured that an HOA will shut down any rowdy parties. If you don't mind abiding by the rules and have no plans to paint your house hot pink any time soon, an HOA might be a plus for you.

The problem arises when HOAs extend their guidelines past the simple "mow your lawn, don't leave your trash bins out too long and don't make too much noise". It seems that some derive pleasure from creating restrictions and imposing them on residents who just want to live in a peaceful neighborhood. As many Reddit users have shared, HOAs can set extremely strict guidelines on parking, approved house colors, landscaping and more. There is a line between wanting to live in an aesthetically pleasing area and policing your neighbors unnecessarily. Unfortunately, many HOA presidents stomped right past that line on their way to slap a fine on your front door. 

So how prevalent are HOAs? As of 2021, there were over 350,000 in the United States, regulating about 58% of homeowners. They vary greatly by state, however. Some states, such as Mississippi, have virtually no HOA presence. Meanwhile, in Florida about 45% of the population lives in HOA communities. Florida is even home to the nation's largest HOA, Poinciana Villages, which is located in Central Florida and contains 20,000 homes.

Aside from being a nuisance to many homeowners, HOAs have a quite controversial past as well. They've been around since the mid-19th century but have spread rapidly since the 1960's. At that time, HOAs were a tool for white Americans to keep neighborhoods segregated. Jonathan Rothwell, author of "A Republic of Equals", explained a bit of the racist history of HOAs in an interview with Insider. "There is plenty of evidence from historic records and housing policy discussions that anti-Black racism motivated some of the strategies used by homeowner associations, such as deed restrictions and covenants that explicitly discriminated against Black people by compelling other owners to avoid selling to them."

Although this may sound like an issue of the past, it's no secret that racial injustice can still be found in the United States. In fact, in 2019 a woman in Florida found a "Caucasian-only" restriction in one neighborhood's HOA bylaws. It was no longer being enforced, but it is upsetting to know that those documents had not been updated to remove prejudiced restrictions. Even today, HOA neighborhoods tend to be more affluent and less racially diverse than non-HOA areas. 

Rothwell went on to say that "HOAs perpetuate racial and economic segregation by blocking fair participation in housing markets, thus denying wealth-generating opportunities and upward mobility for many Black people and lower-income families". A recent study found that homes in HOA neighborhoods sell for about 4% more than similar homes without HOAs. This may sound insignificant, but homeowners then also have to budget for HOA fees, which are typically due monthly. The amount varies by location but can be up to $571 per month, in New York for example. And there is always a chance they'll rise the next year.  

When residents are dissatisfied with their HOAs, there are several ways they can attempt to resolve the issue. Ursula Burgess, an attorney with 18 years of community association legal work, warns that completely dissolving an HOA is a lengthy and expensive process. It's usually best to start small and attempt reform first. Burgess recommends residents become active members of their HOA to stay informed and have a platform to voice their concerns. Often, a problematic HOA can be fixed by removing a board member or two. “The good news is that there is generally a mechanism that allows for members to vote out board members,” says Burgess.  

Burgess also encourages passionate members of HOA communities to join their own boards and change the system from the inside. After all, HOAs “really are meant to be there for good reasons,” she says. “If they’re not operating properly, then we’ve just got to go in and fix them.”