When you’re buying a home, it’s important to know about the homeowners or condo owners association (HOA or COA). This guide tells you everything you need to know, including what they are, what they do and how they can affect your life after you move in.

Everything You Need to Know About Homeowners and Condo Owners Associations

Many people in Scottsdale live in communities with homeowners associations or condo owners associations, but there are neighborhoods that don’t have them. These organizations have pros and cons, so it’s up to you to decide whether you’ll be better off in a community with (or without) one.

What is a Homeowners or Condo Owners Association?

A homeowners association (HOA) is a private organization that manages a community of homes. A condo owners association (COA) manages a community of condominiums. Both HOAs and COAs are governed by a board of directors elected by the members of the association. Generally, an HOA or COA’s primary purpose is to preserve home values in the community.

Related: 15 signs you’re ready to buy a condo in Scottsdale

HOA and COA Dues

The dues that homeowners and condo owners pay to their association are used to maintain the common areas of the community and to pay for services such as trash removal and security. Dues are also used to insurance the community against liability.


Every community with an association has covenants, conditions and restrictions (CC&Rs). These are the rules that homeowners and condo owners must follow. The CC&Rs are enforced by the association and can include everything from what color you can paint your house to how often you must mow your lawn.

What Do HOAs and COAs Do for the Community?

HOAs and COAs are responsible for maintaining the common areas of the community, such as parks, playgrounds and swimming pools. They also plan social events for the community, such as block parties and holiday celebrations.

Related: Is it better to build or buy in Scottsdale?

How Can HOAs and COAs Affect Your Life After You Move into a Community That Has One?

After you move in to a community with an HOA or COA, you’ll be expected to pay dues and follow the CC&Rs. If you don’t pay your dues, the association can place a lien on your home. And if you violate the CC&Rs, the association can fine you or even force you to sell your home.

How Can You Get More Information About an HOA or COA Before You Buy a Home?

If you’re considering buying a home in a community with an HOA or COA, be sure to get a copy of the CC&Rs and the association’s budget. You should also attend a meeting of the board of directors so you can see how the association is run. Your real estate agent should be able to get you the documents you need.

Related: Scottsdale’s 11 best retirement communities

Are There Any Benefits to Living in a Community with an HOA or COA?

There are both advantages and disadvantages to living in a community with an HOA or COA. Some people like the sense of community that comes with living in an association. Others find the rules and regulations to be too restrictive. Ultimately, it’s up to you to decide whether an HOA or COA is right for you.

Are You Buying or Selling a Home in Scottsdale?

If you’re selling a luxury home in Scottsdale, we can help. You can use our home value calculator to get a ballpark idea on what your home may be worth – and you can call us at 602-694-3200 to talk to a REALTOR® about how we can market your home to all the right buyers.

If you’re also looking for a new home, we’ll be happy to show you the homes that interest you most. While you’re here, explore all our Scottsdale real estate listings or look in specific communities:

Don Matheson
REALTOR® | Founder
The Matheson Team
RE/MAX Fine Properties
21020 N. Pima Rd., Scottsdale, AZ 85255

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