Neighborhood with an HOA: Pros and Cons to Consider

Homeowners’ associations are organizations that manage and enforce rules for a subdivision or planned unit development. Some people have positive experiences with HOAs, while others find them stressful and difficult to work with. It’s important to consider whether an HOA is right for you before purchasing a property in a community with one.

To help you decide whether or not you should move into a neighborhood with an HOA, read on as experts in home mortgage in Los Angeles share the pros and cons of moving into a neighborhood with an HOA:


Maintenance of Shared Grounds

One of the main benefits of living in a neighborhood with an HOA is that the shared grounds are typically well-maintained. The HOA is responsible for hiring professionals to take care of the landscaping and common areas, so you don’t have to worry about it. This can be a big plus for someone who doesn’t have the time or inclination to take care of these things yourself.

Increased Security

Another benefit of living in a neighborhood with an HOA is that it can provide increased security. Many HOAs hire security guards to patrol the community, which can help deter crime. Additionally, the HOA may have rules that require all visitors to be registered, which can also help keep your neighborhood safe.

Sense of Community

Many people enjoy living in a neighborhood with an HOA because it provides a sense of community. The HOA typically organizes social events and activities, which can be a great way to meet your neighbors and make new friends. The HOA may also provide amenities like a swimming pool or clubhouse you can enjoy with your neighbors.


Monthly Fees

One of the biggest potential drawbacks of living in a neighborhood with an HOA is that you will be required to pay monthly or annual HOA dues. These dues can add up and may be required even if you don’t use the amenities or participate in social activities.

Strict Guidelines

Another potential downside of living in a neighborhood with an HOA is that the HOA may be very strict about enforcing the rules. If you violate the laws, you may be fined or even asked to leave the neighborhood.

Restrictions on Home Improvements

One of the potential drawbacks of living in a neighborhood with an HOA is that there may be restrictions on home improvements. For example, you may need approval from the HOA before making any changes to the exterior of your home. This can include things like painting, adding a deck, or even putting up a fence. If you’re the type of person who likes to be able to make changes to your home without having to get approval first, an HOA may not be the best fit for you.


Living in a neighborhood with an HOA has its perks and drawbacks. On the one hand, HOAs can provide a sense of community and help to keep neighborhoods tidy and well-maintained. On the other hand, HOAs can be pretty restrictive, dictating what homeowners can and cannot do with their property. But ultimately, it really is up to you to decide whether the benefits of living in an HOA-regulated neighborhood outweigh the drawbacks. Make sure you consider this before submitting your home loan application for a house you’re eyeing. 

When you’re ready for your home loan application in Los Angeles, Century City Mortgage is here to help you. We specialize in tailored financing solutions for our clients. Contact our mortgage experts so we can discuss your application in detail!