HOAs at a glance

Community Associations at a Glance

Nearly one in four Americans lives in an HOA, condominium association, or housing cooperative. Here is what that means for the scale, growth, and responsibilities of community associations across the country.

National snapshot

Residents: 78.1M; An estimated 78.1 million Americans live in a homeowners association, condominium association, or housing cooperative.
Communities: 373,000; The United States has approximately 373,000 community associations.
Homes: 29.6M; Community associations contain an estimated 29.6 million housing units.
Of U.S. housing: 35.2%; More than one-third of the nation's housing is located within a community association.
New single-family homes: ~2 in 3; Roughly two-thirds of new single-family homes are now being built within community associations.
Collected annually: $124.2B; Community associations collect an estimated $124.2 billion in annual assessments.
Contributed to reserves: $31.1B; Approximately $31.1 billion is contributed annually to reserve funds for major repairs and replacements.

National estimates are based primarily on the Foundation for Community Association Research's 2025 Statistical Review.

Where community associations are most prevalent

Community associations are especially prominent in fast-growing states with large populations and substantial volumes of newer housing.

California

51,700
associations: 14.5 million
residents

Florida

50,600
associations: 10.9 million
residents

Texas

23,500
associations: 6.4 million
residents

Recent indicators, 2025–2026

Financial Pressure on Community Associations

91%
Reported higher insurance premiums: In a national industry survey, 91% of responding associations reported increases in master insurance premiums between 2024 and early 2025.; 17%
Saw premiums more than double: Seventeen percent of respondents said their premiums had increased by more than 100%.; 285,000+
HOA liens filed in 2025: More than 285,000 HOA liens were filed in 2025, according to Benutech data reported by The Wall Street Journal.; 6,376
Properties with HOA-related foreclosure filings: HOA-related foreclosure filings touched 6,376 properties during the first quarter of 2026, nearly 40% more than two years earlier, according to ATTOM data reported by The Wall Street Journal.

Foreclosure filings may represent different stages of the process and do not necessarily mean that a home was ultimately foreclosed upon.

Why financial health matters operationally

Financial pressure does not automatically lead to more crime. It can, however, make it harder for communities to maintain the infrastructure and services that support a well-run and safe environment.

When budgets tighten, associations may delay repairs to gates, lighting, landscaping, access controls, cameras, and shared facilities. Financial strain can also reduce the ability to respond quickly to vandalism, recurring property damage, or visibly neglected areas.

The practical issue is community capacity: whether an association has the resources, systems, and planning needed to address its most important risks.

Where Technology Can Help

Technology can help communities use limited safety resources more effectively, but only when it addresses a clearly defined local problem.

For communities experiencing vehicle-related incidents, automated license plate recognition systems may help identify relevant vehicles, provide more actionable evidence, support stolen-vehicle recovery, and connect recurring incidents.

Independent evidence on broad crime deterrence remains mixed. Associations should evaluate technologies such as Flock Safety against specific local needs and measurable outcomes rather than assume that installing cameras will automatically reduce crime.

Questions worth answering first

What specific problem are we trying to solve?
How often does that problem involve a vehicle?
Who will review and respond to alerts or evidence?
How will information be shared with law enforcement?
What outcome will determine whether the system is working?
What will the technology cost to operate and maintain?

Turn the numbers into a practical plan

Every community has a different combination of risks, resources, infrastructure, and resident expectations. Start by identifying the problem, reviewing the options, and defining what a successful outcome would look like.

Build Your Community Safety Plan Explore the HOA Safety Guides