Should You Buy Land with an HOA in 2025? Pros and Cons Explained

by matt hammerly

Introduction

Not all land is created equal — and some comes with strings attached.

If you've ever browsed rural listings and noticed the words “HOA” or “POA,” you might wonder:

“Should I avoid land with an HOA, or could it actually be a good thing?”

This post breaks down the real pros and cons of buying land in an HOA (Homeowners Association) or POA (Property Owners Association), so you can make the right move.

🧾 What Is an HOA or POA?

An HOA (Homeowners Association) or POA (Property Owners Association) is a group that sets rules and collects fees for a shared community.

They typically:

  • Enforce property guidelines

  • Maintain roads, parks, or amenities

  • Charge annual dues

  • Require approvals for building or modifications

You’ll find HOAs on both suburban plots and even rural vacant land in communities like Cherokee Village, AR.

✅ Pros of Buying Land in an HOA

🛣️ 1. Maintained Roads & Infrastructure

  • Rural HOAs often maintain gravel or paved roads

  • Snow removal, grading, and repairs may be included

  • Adds value if access is otherwise difficult

🏞️ 2. Community Amenities

  • Some HOAs include:

    • Private lakes or rivers

    • Boat ramps

    • Golf courses

    • Security patrols

    • Shared parks or trails

📈 3. Property Value Stability

  • Rules help protect against junk-filled yards or abandoned homes

  • Can be attractive to future buyers seeking order

💲 4. Low HOA Fees (on Land)

  • Unlike suburban homes, land HOAs often charge $50–$150/year

  • Example: Cherokee Village lots = $90/year

  • Covers road upkeep and basic maintenance

❌ Cons of Buying Land in an HOA

🚫 1. Restrictive Building Rules

  • You may need approval to:

    • Build a cabin or shed

    • Install solar panels

    • Cut trees

    • Park an RV or mobile home

🔍 2. Ongoing Dues (Even if You Don’t Use It)

  • You’ll still pay annual fees — even if you haven’t built yet

🧱 3. No Tiny Homes, RVs, or Off-Grid Living (in Some HOAs)

  • Many HOAs ban:

    • Off-grid setups

    • Composting toilets

    • RVs or mobile homes

    • Unpermitted structures

Always read the CCRs (Covenants, Conditions & Restrictions) before you buy.

🏛️ 4. Foreclosure Risk for Non-Payment

  • If you don’t pay dues, some HOAs can place a lien or even foreclose — even if the lot is paid off.

🧭 Real Example: Arkansas HOA vs. No HOA

Let’s compare two parcels:

Property HOA Status Fees Restrictions
0.28 acres in Cherokee Village, AR ✅ Yes $90/yr Residential only, must build 600+ sq ft
0.42 acres outside city limits ❌ No $0 No building timeline, RVs allowed

Which is better?
Depends on your goals:

  • Want quiet, orderly living? → HOA

  • Want freedom to park an RV and go off-grid? → No HOA

🛑 What to Ask Before Buying Land in an HOA

  1. How much are the annual fees?

  2. Are there building requirements or time limits?

  3. Can I live in an RV or tiny home?

  4. Who enforces the rules — and how?

  5. What’s included in the dues (roads, trash, water, etc.)?

💡 Tip: Ask for the Declaration of Covenants (CCRs) and Bylaws before buying.

Final Thoughts

Buying land in an HOA isn’t good or bad — it’s about alignment.

  • Want structure and amenities? HOA land can be a great deal.

  • Want total freedom to build how and when you want? Go non-HOA.

Whatever you choose, just know the rules before you buy.

Want Land With or Without an HOA?

📈 SEO Keywords Recap:
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