Map Shows Where Homeowners Are Falling Behind on HOA Fees
Summary
The number of U.S. homeowners falling behind on their homeowners association (HOA) fees has increased significantly over the past three years. This rise in unpaid fees has led to more legal claims called liens and a higher risk of foreclosure in some states.Key Facts
- HOA liens in the U.S. rose by 41.7% from 2022 to 2025, reaching 250,951 liens last year.
- Three years ago, there were 177,260 HOA liens nationwide.
- HOA fees usually range from $200 to $400 per month.
- Nearly 44% of homes for sale in 2026 have HOA fees, up from 34.3% in 2019.
- Unpaid HOA fees can result in liens, which must be paid before selling or refinancing a home.
- Some states, like Minnesota and Nevada, allow HOAs to foreclose on homes for unpaid fees more aggressively.
- Foreclosure filings related to unpaid HOA fees rose 46.1% between 2022 and 2025.
- Five states—Florida, Texas, Nevada, California, and Arizona—accounted for 85.2% of HOA foreclosure filings last year.
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