HOA Rules Explained for Buyers

Homeowners Associations (HOAs) protect community appearance and value — but they also come with rules and fees that vary widely. Before buying, your Realtor will help you review the HOA’s covenants, conditions, and restrictions (CC&Rs).

These may include pet rules, paint color guidelines, vehicle limitations, rental restrictions, and even holiday decoration policies. It’s critical to understand what’s allowed before you commit.

Your agent will also help calculate monthly dues and check what's included — like landscaping, security, or clubhouse access. High HOA fees can impact your total monthly cost.

Pro Tip: Ask your agent to contact the HOA directly with questions about restrictions or upcoming fee increases. This ensures there are no surprises after closing.

Knowing the rules up front helps you choose a home — and a community — that fits your lifestyle.