A Homeowner Asks, If '99% Of People' Hate HOAs, Why Do They 'Continue To Grow In Number Across The Nation?'

A Homeowner Asks, If '99% Of People' Hate HOAs, Why Do They 'Continue To Grow In Number Across The Nation?'

Adrian Volenik

Sat, December 27, 2025 at 3:43 PM UTC

3 min read

A Homeowner Asks, If '99% Of People' Hate HOAs, Why Do They 'Continue To Grow In Number Across The Nation?'

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A recent Reddit thread drew hundreds of comments from homeowners reacting to a simple but pointed question about homeowners’ associations: “Anyone ever wonder why 99% of people hate HOA’s, yet they continue to grow in number across the nation?”

The replies revealed how deeply Americans are divided over HOAs.

More HOAs, Less Choice

One of the top comments answered the question directly: “It's not that people choose to be in a HOA, some are forced into it due to no other available housing.” Another added, “If you sort by ‘no HOA’ on Zillow, the results are cut significantly. It sucks.”

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According to HOA-USA, the U.S. has more than 370,000 homeowner associations, covering over 40 million households. That amounts to more than 53% of all owner-occupied homes nationwide.

Much of the discussion centered around how new housing is being developed. Cities and counties increasingly require developers to include HOAs in new subdivisions so they don't have to cover the cost of roads, parks, or drainage. “Cities like HOAs because then they don't have to be responsible for road and services upkeep,” one commenter wrote. Another said, “Municipalities are requiring HOAs for new developments. It's pretty straightforward.”

According to the thread, developers also benefit. By installing HOAs, they keep control over the community until enough homes are sold and protect property values during the early sales period. Some called it a financial win for all involved, except the homeowners, who are stuck paying dues and following rules they didn't set.

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Love The Results, Hate The Rules

Some Redditors admitted HOAs aren't all bad. “Everybody hates HOAs when they stop you from doing what you want," one person said. "Everybody loves HOAs when they stop someone else from doing what you don't want.”

Others agreed. “99% of people don’t hate HOAs. 99% of Reddit hates HOAs. Redditors, thankfully, are not an accurate representation of the US,” one homeowner wrote. Another shared, “You ever have a neighbor park a rusty trailer on the street, or blast your bedroom with Christmas lights all night long?”

Several commenters pointed out that, like it or not, HOAs aren't going anywhere. “Almost all new construction are planned single family developments or high density housing, that by definition also have an HOA,” one wrote. “HOA numbers will only go up over time as a result. Never down.”

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And despite the horror stories, many homeowners are content. “I love my HOA,” one person said. “Neighbors can’t park on their lawns. Landscaping is uniform and performed. Homeowners’ insurance is 10x less... Noise, feces, pets, lights... all managed and enforceable.”

So why do HOAs keep growing? Because they make life easier for cities, help developers sell homes, and solve neighbor disputes before they become property value disasters.

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Image: Shutterstock

This article A Homeowner Asks, If '99% Of People' Hate HOAs, Why Do They 'Continue To Grow In Number Across The Nation?' originally appeared on Benzinga.com

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