A homeowners’ association (HOA) is an organization in a subdivision that makes and enforces rules for the properties in its jurisdiction.
When you buy a property governed by a homeowners’ association, you automatically become a member of the association. You don’t have the choice of not joining. The purchase of your home becomes a contract with the HOA. You agree that you’ll obey all the HOA rules and pay regular dues and any special assessments.
HOA rules are called covenants, conditions, and restrictions (CC&Rs). CC&Rs usually apply to both you, the homeowner, and to your home. The CC&Rs might cover what color you can paint your home, what you can plant in your yard, how many cars you can own and park, whether you can own a pet, and whether you can rent the property to someone else. There are usually noise restrictions, as well.