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OR · State overview

Oregon HOA laws & the Planned Community Act

Self-managed HOAs in Oregon operate under the Oregon Planned Community Act (ORS Chapter 94) plus recorded declarations. Use the checklist below, then open your city guide for notices, wildfire-interface standards, and county recording.

Last reviewed: October 2026. This directory summarizes public statutes and practical board workflows. It is not legal advice. Confirm current law, your recorded instruments, and local counsel before assessments, fines, elections, or liens.

No. 01— State law snapshot

Governing framework

Oregon Planned Community Act (ORS Chapter 94)

KindHOA helps volunteer boards document decisions, automate assessments, and stay audit-ready without enterprise software built for property managers.

No. 03— ORS Chapter 94 basics

Oregon planned-community HOAs (ORS 94)

ORS Chapter 94 governs most Oregon planned-community HOAs. ORS Chapter 100governs condominiums. Your CC&Rs and bylaws add private obligations on top of statute.

Boards most often need: a reserve account and reserve study (ORS 94.595), timely records access (ORS 94.670), owner meeting notice (ORS 94.650), and documented votes (ORS 94.660). Late charges follow association powers in ORS 94.630(1)(n); liens follow ORS 94.709 when authorized in governing documents.

Pre-1999 communities with a declaration-required reserve account may trigger ORS 94.595(5)(a) study rules by board resolution or owner petition. Confirm turnover, declarant control, and wet-climate maintenance with Oregon counsel.

Reserve contribution calculator →Late fee calculator →Rules directory for owners →
Board playbook · Oregon

Records requests

Owners may inspect association records under ORS 94.670. Keep governing documents and financial summaries organized for resale.

ORS 94.670

Meeting notice

Provide notice for owner meetings per ORS 94.650 and board procedures in bylaws.

ORS 94.650

Reserves

Budget for reserves required by declaration. Review reserve estimates before major capital projects in wet-climate communities.

ORS 94.595

Late fees

Late charges and liens must be authorized in governing documents. Publish grace periods before assessing fees.

ORS 94.709

Elections

Run director elections and assessment votes on notice timelines in bylaws. Store ballots and tally sheets with minutes.

ORS 94.660

Model late fees with the HOA late fee calculator, reserves with the reserve fund calculator, and meeting quorum with the quorum calculator.

No. 02— Oregon HOA compliance checklist

Align daily board operations with Oregon Planned Community Act (ORS Chapter 94). This starter checklist helps volunteer directors reduce compliance risk before assessments or liens.

Governance essentials

  • Publish governing documents and recent amendments in a resident portal
  • Log board votes and meeting minutes with dates and attendees
  • Send clear assessment and policy notices before enforcement

Collections & recording

  • Confirm late fee caps against state statute and your CC&Rs
  • Document cure notices and owner responses before liens
  • Verify county clerk formatting before recording instruments

Last reviewed: October 2026. This directory summarizes public statutes and practical board workflows. It is not legal advice. Confirm current law, your recorded instruments, and local counsel before assessments, fines, elections, or liens.

No. 03— Common questions

What law governs HOAs in Oregon?

Most Oregon homeowners associations operate under Oregon Planned Community Act (ORS Chapter 94) together with the community's recorded declaration (CC&Rs), bylaws, and published rules. The statute sets the baseline for assessments, notices, meetings, records access, and enforcement; your governing documents may add stricter rules but cannot override mandatory owner protections. This is educational guidance only — confirm specifics with Oregon association counsel.

What are HOA rules and regulations in Oregon?

Oregon HOA rules and regulations come from three layers: (1) Oregon Planned Community Act (ORS Chapter 94) as the state baseline, (2) city and county ordinances (zoning, noise, short-term rentals, building permits), and (3) your association's recorded CC&Rs, bylaws, resolutions, and architectural guidelines. Boards enforce layer 3 on private lots; municipalities enforce layer 2 on public code. Publishing a searchable rules directory helps owners tell the three apart.

Are Oregon HOA laws the same in every city?

The state statute applies statewide, but local rules differ. Zoning, noise ordinances, short-term-rental licensing, fence and setback standards, and the county recorder's office vary between Albany, Beaverton, and other OR cities. Use the city guide for your community to see where municipal code ends and your recorded covenants begin.

Where can I read Oregon HOA compliance guides on KindHOA?

Browse the free Oregon checklist and city directory at kindhoa.com/compliance/oregon. For organizing owner-facing policies, see the HOA rules directory guide at kindhoa.com/blog/hoa-rules-directory-guide. KindHOA is educational software for self-managed boards, not a law firm — confirm liens, amendments, and enforcement with counsel.

No. 04— Cities A–Z

Don't see your city yet?

We're expanding this directory regularly. In the meantime, KindHOA works for any self-managed HOA in Oregon.

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