Even when you feel as though your HOA rules have turned into an implacable steel trap determined to ruin your life at every turn, find comfort in this: Homeowners associations are bound by the rule of law, no matter what the president of the board says.
State and federal law restrict the homeowners association's abilities to restrict you.
Below, find eight things HOAs can't enforce on homeowners.
1. Discriminate undiscriminatingly
Your homeowners association board might like to play at being tyrants, but here's a line it can't cross: the Fair Housing Act.
"An association must be careful enacting and enforcing rules that would single out or disadvantage any group identified in the Fair Housing Act," says Craig T. Smith, a lawyer in Hilton Head Island, SC.
That means that your homeowners association can't fine you or keep you from purchasing a home in the neighborhood because of your ethnicity or race.
It also can't kick you out because members of the board hate your religion, or don't like Germans, because you have children, or because you wear a Make America Great Again hat on a regular basis.
States often have additional protections safeguarding the homeowner. For example, California law protects sexual orientation and gender identity.
2. String you out on the (clothes)line
Nineteen states have laws on the books to prohibit a funny HOA restriction: your right to "solar drying." (That's a fancy term for using a clothesline.)
Too bad, buckaroos: Since almost half of states protect your right to dry, any anti-clothesline additions to the covenants, conditions, and restrictions (CC&Rs) are downright unenforceable. Feel free to let your denim wave in the wind.
(There's one caveat: If your backyard is shared with another homeowner, the HOA might have the right to restrict your strung-up lines.)
3. Fine you for fun
Fines are the lifeblood of a malicious HOA—and we cannot, unfortunately, tell you that they're blatantly illegal. But they "must be set forth in the association's rules and bylaws," says Barbara Jordan, a real estate lawyer in Columbus, OH.
Are threatening letters making an appearance in your mailbox, telling you to trim that rosebush or face a fine? Check the community's CC&Rs before complying. If that fine isn't listed, you might not need to pay.
Of course, that doesn't mean your HOA board will roll over, either; you might need to appeal the fine.
If so, first scrutinize those CC&Rs to make sure you have standing. Then, gather all the evidence you have and present it at the next board meeting. (Your HOA may have specific instructions for this process—make sure you follow them!)
If your argument is sound, it could pull back the charges.
4. Make decisions on the fly
Your community's HOA treasurer can't suddenly decide she hates pink mailboxes. Next time Shirley Homeowner comes over complaining, practice these magic words: "Is that mentioned in the CC&Rs?"
And slipping HOA rules in under the cover of darkness is a big no-no. The regulations for how new rules can be enacted should be outlined in your CC&Rs—and if the HOA isn't following its own stipulations, you have a valid complaint for any secret swashbuckling.
If you do suspect something shady is afoot concerning what is included (and what isn't included) in your HOA rules, start requesting documents and attending public meetings.
You might find that some HOAs still have antenna restrictions written into their covenants. These may be retro artifacts from pre-1997, when the FCC rule came into play.
If you spot these curious addenda in your CC&Rs, take your concerns straight to board members. After all, you have the federal government on your side!
6. Nix native plants
Not all states protect your right to grow an environmentally friendly garden abundant with native plants. But if you're in Texas or California, you can push back if the board's not savvy with agave.
Florida, too, has its own homeowner-friendly rules: HOAs can't restrict plants simply because they're not in the community's overall design plan.
If you're a homeowner in one of those states, persuading your HOA to embrace eco-friendly policies isn't impossible. With the right attitude and enough evidence of go-green benefits, you might just convert the entire neighborhood.
7. Keep you out of court
Snippy HOAs might make you think they're above the law—but if you're truly in a bind, you can challenge that assertion.
Chances are good (although not certain) that you'll have the upper hand in a proper court of law, Smith says, especially if the board of directors acted in an underhanded manner.
If the association's governing documents allow it, start by demanding a hearing before the board. If that demand is met with silence, take it one step further: to the actual courts.
"This is typically a move of last resort," Smith says.