County recording office
Richland Register of Deeds
Warming up the welcome mat
South Carolina HOA rules & homeowners policy
SC HOAs enforce recorded CC&Rs; cities and counties enforce zoning and nuisance code. Separate covenant violations from city complaints — especially in Greenville, Horry, and Charleston counties.
County recording office
Richland Register of Deeds
South Carolina coastal HOAs need pre-season communication plans, elevation awareness, and post-storm architectural guidance.
Board checklist
Municipal trash schedules, curb placement, and code enforcement pathways.
Waste collection and yard debris schedules are set by the city of Columbia or county programs. Public maintenance issues should be reported to 311.
Mediation, courts, and state resources when board actions are challenged.
Disputes can be resolved through association ADR or the Magistrate Court of Richland County. The SC Department of Consumer Affairs handles HOA complaints.
HOAs in Columbia follow the South Carolina Homeowners Association Act plus recorded CC&Rs (your homeowners policy). Richland County ordinances and city municipal code are enforced separately — see kindhoa.com/compliance/south-carolina and kindhoa.com/compliance/south-carolina/columbia for board checklists. Educational, not legal advice.
State-level guidance — confirm current city ordinances with local officials.
Late fee estimator
Enter your typical monthly assessment to see how local caps may apply. KindHOA can automate notices and fee schedules once your board defines the rules.
Estimated legal ceiling
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Many associations cannot assess late fees until accounts are at least 30 days past due and proper notice has been sent. You entered 15 days past due.
Tell us about your community. We'll show you how KindHOA automates dues, late fees, and resident communication — free for self-managed HOAs.
Statewide checklist plus every South Carolina city guide we publish.
Title 27 statutes, late fees, and Upstate/coastal city guides.
City vs. county rules and a searchable rules directory.
No per-door fees. No enterprise bloat. Just the tools your neighbors need to run Columbia with confidence.
Richland County guide for Columbia residents and boards: South Carolina HOA Act rules and late-fee basics, register of deeds recording requirements, and where city noise/quiet-hours ordinances end and recorded CC&Rs begin — plus a searchable rules directory (kindhoa.com/blog/hoa-rules-directory-guide).
The quick answer
Reviewed by the KindHOA Editorial Team · Last reviewed July 25, 2026
Columbia, the state capital and Richland County seat, has HOAs ranging from university-adjacent and downtown condominiums to suburban subdivisions in the Northeast and Lake Murray areas. South Carolina's HOA Act and recorded covenants govern the association; the city and Richland County enforce zoning, nuisance, and building code separately.
Local rules board members use
City-specific answers for Columbia — sourced to municipal code and official city pages. Educational, not legal advice.
Columbia's hot, humid subtropical climate — famously the 'Famously Hot' Midlands — drives covenants on exterior maintenance, mildew, and stormwater, with occasional flooding concerns after the 2015 event reshaping drainage expectations. Liens and CC&R amendments record with the Richland County Register of Deeds.
Primary source: Columbia municipal code / city ordinances
Summaries below are for board orientation. Verify requirements in the official Columbia municipal code (opens in a new tab).
Columbia municipal code
Columbia may require short-term rental permits and business licenses under local laws. Covenants must be recorded to enforce rental caps under the South Carolina Homeowners Association Act.
HOA governing documents
HOAs enforce recorded use restrictions (minimum lease terms, guest limits, parking) when consistent with applicable city licensure and state law. Covenant enforcement requires notice, cure periods, and uniform application.
Zoning & building code
Zoning and property maintenance regulations in Columbia set fence and setback baselines. Covenants may specify additional design guidelines.
Permit thresholds
The municipal or county building safety department issues permits for structural construction in Columbia. HOA approval must be obtained in addition.
HOA architectural control
HOAs review fences and additions through architectural committees under CC&Rs. Municipal compliance alone does not satisfy HOA design or notice requirements.
State / local protections
South Carolina law allows HOAs to govern solar installations via aesthetic guidelines, but bans are discouraged. Xeriscaping is widely accepted.
What HOAs may still regulate
HOAs may adopt reasonable design rules that meet statutory tests (location, color, timeline). Associations cannot impose outright bans where state law voids them.
Summer heat affects roofing, pools, and mechanical systems. Plan preventive maintenance before peak demand.
Board checklist
Southeastern humidity accelerates mold, rot, and paint failure. Set clear maintenance standards for exteriors.
Board checklist
Columbia may require short-term rental permits and business licenses under local laws. Covenants must be recorded to enforce rental caps under the South Carolina Homeowners Association Act.
Zoning and property maintenance regulations in Columbia set fence and setback baselines. Covenants may specify additional design guidelines.
Waste collection and yard debris schedules are set by the city of Columbia or county programs. Public maintenance issues should be reported to 311.
The municipal or county building safety department issues permits for structural construction in Columbia. HOA approval must be obtained in addition.
South Carolina law allows HOAs to govern solar installations via aesthetic guidelines, but bans are discouraged. Xeriscaping is widely accepted.
Disputes can be resolved through association ADR or the Magistrate Court of Richland County. The SC Department of Consumer Affairs handles HOA complaints.
KindHOA is educational software for self-managed boards, not a law firm, and this guide is not legal advice. State statutes, local ordinances, and your community’s recorded CC&Rs control and change over time — confirm liens, amendments, and enforcement with association counsel and the official sources above.
Free Title 33 checklist and metro city guides.