Oregon has a real comprehensive statute for non-condo HOAs — the Planned Community Act, ORS Chapter 94 — but its applicability is tiered by how the community was created and structured (Class I, II, or III planned communities carry different obligations). Most active, amenity-rich HOAs fall under the Act's fuller coverage.

Fines: what your HOA can and can't charge

ORS 94.630(1)(n) gives associations statutory authority to fine owners for violations, and requires the process to include notice and an opportunity to be heard before a fine is imposed — a real due-process right, not just a bylaws matter. The Act doesn't set a dollar cap; amounts come from your governing documents.

See our guide on how to fight an HOA fine for the general playbook.

Unpaid assessments, liens, and foreclosure

ORS 94.709 gives the association a lien for unpaid assessments, but Oregon is explicitly not a super-lien state — the statute does not give the HOA's lien priority over an earlier-recorded first mortgage. Oregon's general foreclosure norm for mortgages is non-judicial (trust deed), but HOA lien foreclosure under the Act is judicial only — a meaningfully slower, more owner-protective process than the state's typical mortgage foreclosure route.

More on this in our guide to what happens if you don't pay HOA dues.

Meetings and quorum

The Planned Community Act sets meeting and notice requirements for covered communities, with quorum and specific notice periods otherwise filled in by your bylaws where the Act doesn't specify a number — always confirm your community's Class under the Act, since obligations scale with it.

Board elections

The Act addresses board governance generally but leaves most election mechanics — candidate eligibility, terms, and removal — to your bylaws, with the general Oregon Nonprofit Corporation Act filling gaps.

For the general mechanics, see how HOA board elections work.

Buying a home in an Oregon HOA

Oregon does not have a dedicated HOA resale-certificate statute comparable to what many other Planned Community Act states require. Buyers should request association financial records, dues history, and any pending special assessments directly, since there's no single statutory disclosure package guaranteed by law.

Know before you buy: without a mandatory resale-certificate statute, get the HOA's financials, minutes, and any pending litigation or special-assessment plans in writing during your due-diligence period — don't rely on the seller volunteering it.

See our full buying checklist for homes in an HOA before you make an offer.

This guide covers general Oregon law affecting non-condominium homeowners associations as of 2026, including the Planned Community Act, ORS Chapter 94, and is for general education only — it isn't legal advice, and it doesn't cover condominium associations, which follow the separate Oregon Condominium Act. For anything binding, talk to an Oregon HOA attorney.

Need help with an Oregon HOA issue? Find an HOA attorney in Oregon, or find a management company in Oregon.