If you buy a home in a community with an HOA, you’re automatically in — and it’s not optional. With 75.5 million Americans already part of one, these associations manage everything from pools and parks to lawn care and sidewalk repairs, all funded by monthly dues that can hit $200–$400. Governed by strict CC&Rs, they control everything from paint colors to pet limits, acting like the neighborhood’s landlord. Developers start them, then hand over control to elected homeowner boards — turning your house into part of a carefully maintained, rule-bound community.
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