HOA Risk Score Calculator

This HOA Risk Score Calculator helps you evaluate financial stability, governance transparency, lifestyle restrictions, and structural risk before signing a lease or purchase agreement. It highlights hidden friction points that may affect your long-term costs, flexibility, and peace of mind.

HOA Risk Score (Lite)

A state-neutral tool to spot common HOA friction risks before you sign. It flags structural factors that can affect long-term costs, flexibility, and peace of mind.

1) Financial stability

Reserve funding level (if known)

HOA fee increased >10% in last 2 years?

Known upcoming special assessment?

2) Governance & transparency

Professional management company?

Meeting minutes available before signing?

Clear appeal / complaint process in writing?

3) Lifestyle compatibility

Pets could be impacted by restrictions Parking predictability matters to you Renovation or upgrades planned Rental flexibility matters (roommate/future rent-out)

Your tolerance for external rules

4) Building & systems complexity

Building type

Building age / major updates

Shared systems (HVAC/plumbing/garage) complexity

5) Legal & insurance signals

Active litigation involving HOA?

Insurance premium spike / very high deductible?