Association Rules

Buying a home governed by a condominium association or homeowners association involves more than purchasing the unit itself. You are also agreeing to a set of rules, financial obligations, and shared decision-making that directly affect how you live in and use the property.

Association rules are not inherently negative. In many cases, they protect property values and maintain consistency. The challenge is that buyers often assume rules are flexible, rarely enforced, or easy to change.

That assumption can create frustration after closing.

This guide outlines the most common association-related restrictions buyers overlook, including limits on rentals, pets, and renovations. Understanding these rules early helps buyers avoid conflicts, unexpected costs, and resale limitations.

Pet restrictions are another area where assumptions often conflict with reality.

Associations may limit the number, size, breed, or type of pets allowed. Some prohibit certain animals entirely, while others require registration, fees, or board approval. Enforcement practices vary widely.

Buyers with pets may discover after purchase that their situation does not fully comply with association rules, or that future pets may not be permitted.

Pet policies can also affect resale appeal, especially in markets where buyers increasingly expect pet-friendly living.
Clarifying pet rules before purchase avoids emotional and logistical challenges later.

Association living includes ongoing fees, but it may also include special assessments.

Deferred maintenance, infrastructure repairs, or compliance upgrades can result in additional costs shared among owners. These expenses are not always predictable and can arise even in well-managed communities.

Buyers often focus on monthly dues without fully evaluating reserve funds, long-term maintenance plans, or recent assessment history.

Financial exposure within an association can directly affect affordability, resale value, and market perception.