For many Salt Lake City buyers, especially those looking at condos, townhomes, or newer developments, Homeowners Associations (HOAs) are part of the homeownership equation. While they can be a great way to protect neighborhood standards and maintain shared amenities, HOAs also come with rules, fees, and responsibilities that every buyer should understand before signing on the dotted line. Here’s what you need to know about HOAs in Salt Lake City and how to make sure you’re making an informed purchase.
What is an HOA?
A Homeowners Association is a private organization within a community that creates and enforces rules for properties and residents. In Salt Lake City, HOAs are most commonly found in condominium complexes, townhome developments, and newer single-family home communities, particularly those offering shared amenities like pools, playgrounds, or private road maintenance.
When you buy a home governed by an HOA, you’re automatically a member. That means you’re agreeing to follow the association’s rules and pay monthly or annual dues, also known as HOA fees.

What Do HOA Fees Cover?
HOA dues vary by community, but here are some of the most common inclusions:
- Exterior Maintenance: Roof repair, siding, and landscaping in common areas.
- Amenities: Pools, gyms, clubhouses, playgrounds, or gated access.
- Utilities: Sometimes water, sewer, or trash pickup.
- Insurance: Master insurance policies that cover shared structures or amenities.
- Snow Removal and Road Maintenance: Especially helpful in Utah’s snowy winters.
While these services can be a significant perk—especially for buyers who want low-maintenance living—they do come at a price. Fees in Salt Lake City can range from under $200/month to well over $500/month, depending on location and amenities.
Know the Rules Before You Buy
Every HOA is governed by a set of documents, typically including:
- CC&Rs (Covenants, Conditions & Restrictions)
- Bylaws
- Rules and Regulations
These documents outline everything from pet policies and rental restrictions to parking rules, exterior paint colors, and what you can store on your balcony or patio. Before buying a home in an HOA, request and thoroughly read these documents. A few common restrictions to watch for in Salt Lake City:
- Short-Term Rentals: Many HOAs prohibit or heavily restrict Airbnb-style rentals.
- Exterior Changes: Want to paint your door or install solar panels? You’ll likely need approval.
- Pet Policies: There may be breed, size, or quantity limits.
- Rental Caps: Some communities limit the number of units that can be rented at a time.
Pros and Cons of HOA Living in Salt Lake City
Pros:
- Well-Maintained Communities: Common areas and amenities are usually in great shape.
- Increased Property Values: Uniform standards can help retain or even increase property value.
- Lower Individual Maintenance: Less responsibility for landscaping, snow removal, and exterior work, like roof repairs.
Cons:
- Monthly Fees: Adds to your total housing cost—important to budget for this upfront.
- Restrictions: You may lose a degree of personal freedom regarding your home and property.
- Special Assessments: If major repairs are needed and the HOA doesn’t have enough in reserves, owners may be required to pay Special Assessments, additional out-of-pocket fees.

Questions to Ask Before Buying
If you’re considering a home in an HOA-governed community, make sure to ask:
- How much are the monthly/annual dues, and what do they include?
- Are there any upcoming special assessments?
- How well-funded is the HOA’s reserve account?
- What is the HOA’s policy on rentals, pets, or renovations?
- How are disputes resolved between homeowners and the board?
These questions can help you avoid unpleasant surprises and choose a community that fits your lifestyle.
A Note on Condos and Townhomes in SLC
If you’re buying a condo or townhome, an HOA is almost always part of the deal. Many popular areas of the Salt Lake Valley, like Sugar House, Central 9th, and parts of Holladay, offer updated units with modern amenities. Still, you should always factor in the HOA when calculating your monthly budget. Sometimes a home with a lower purchase price comes with higher monthly dues, which can significantly impact affordability.
HOAs are neither inherently good nor bad—they just need to align with your expectations and lifestyle. Some homeowners love the structure and low-maintenance living, while others find the rules too limiting. The key is to do your homework. Know what you’re getting into and ask the right questions upfront so you can enjoy your new home without surprises.
Salt Lake City Real Estate: Your Partner in 2025
If you’re considering buying or selling a home in or around Salt Lake City, we’re here to help! Whether selling a home to buy another, buying your first home, or relocating, we provide expert advice and service to help you navigate the local real estate market. Kevin Coyle of SLC Homes has the resources and expertise to assist you every step of the way. Contact us today to start your journey toward accomplishing your real estate goals!