Quick Answer
Indiana has a dedicated statute for homeowners associations, the Homeowners Association Act (Indiana Code article 32-25.5), and a separate Condominium Act (Indiana Code article 32-25) for condominiums. Beyond those, associations rely on their recorded declarations, bylaws and, if incorporated, nonprofit corporation law. The 2026 legislative session reportedly changed several rules, so confirm current text.
Which laws govern HOAs and condominiums in Indiana
Indiana does not rely on a single code for every community. Which statute applies depends on how the community was created and what type of association runs it.
Homeowners associations (planned communities)
The Homeowners Association Act, Indiana Code 32-25.5, covers chapters on applicability, definitions, general association requirements, solar energy systems, beekeeping, Attorney General actions and grievance resolution. Under IC 32-25.5-1-1, the article applies to a homeowners association established after June 30, 2009 that can impose mandatory dues, and to an older association if the required share of its members elects to be governed by it.
Some provisions reach every homeowners association regardless of age or election. According to IC 32-25.5-1-1(b), those include the records and board-meeting provisions in IC 32-25.5-3-3(g) through (m), the amendment, proxy and quorum-failure provisions in IC 32-25.5-3-9, 3-10 and 3-11, and the Attorney General and grievance chapters, IC 32-25.5-4 and 32-25.5-5.
Condominiums
Condominiums are governed by the Condominium Act, Indiana Code article 32-25, which includes chapters on definitions, ownership interests, liens and encumbrances, the declaration, administration of condominiums and grievance resolution. The statute addresses the recorded declaration directly; for example, IC 32-25-8-3 provides that a declaration and any amendment is valid only if recorded.
Governing documents and corporate law
Most day-to-day rules come from the recorded declaration of covenants, the bylaws and the rules adopted by the board. If the association is incorporated as a nonprofit, the Indiana nonprofit corporation statutes also apply, and a lawyer should confirm which provisions reach your association. For background, see our guides to HOA governing documents and what powers an HOA has.
Indiana HOA and condo rules at a glance
The table summarizes points we verified in the statute text. Where we could not verify a statewide rule, we say to see your documents.
| Topic | What we verified | Source |
|---|---|---|
| Assessments and liens (condo) | Unpaid assessed common expenses are a lien on the unit effective at assessment; lien has priority over other liens except tax liens and sums unpaid on a first mortgage of record; may be foreclosed by suit; a money judgment may be sought without foreclosing | IC 32-25-6-3 |
| Assessments and liens (HOA) | Indiana has a separate chapter on homeowners association liens; confirm current requirements with counsel and your declaration before recording a lien | IC 32-28-14 (confirm) |
| Records access | Members may inspect financial records (contracts, invoices, bills, receipts, bank records) and board minutes on written request; exceptions include unexecuted contracts, contract negotiations and records created more than two years before the request | IC 32-25.5-3-3 |
| Meetings and elections | Members may attend board meetings; the board may meet privately about delinquent assessments and certain litigation; voting rights may be suspended for nonpayment only if documents allow and assessments are delinquent more than six months | IC 32-25.5-3-3, 3-7 |
| Budgets | Annual budget must be prepared and generally approved at a member meeting; special no-quorum rules limit board-adopted increases | IC 32-25.5-3-3 |
| Reserves | No statewide reserve-funding mandate found in the HOA Act; see your documents | See documents |
| Fines and enforcement | Authority generally comes from the documents; 2026 legislation reportedly adds a written fine-schedule requirement | See documents; 2026 act |
| Rental restrictions | Set by recorded documents; 2026 legislation reportedly limits who may vote on rental restrictions | See documents; 2026 act |
| Architectural review | Set by documents; statute has separate chapters on solar energy systems and beekeeping | IC 32-25.5-3.5, 3.7 |
| Board duties and oversight | Governing documents and nonprofit law set duties; the Act includes Attorney General actions and a grievance process | IC 32-25.5-4, 5 |
Records and meetings in more detail
Under the version of IC 32-25.5-3-3 published in the 2025 Indiana Code, a written records request must identify the information sought with reasonable particularity, and the statute says a member's ability to inspect should not be unreasonably denied or conditioned on stating a purpose. The same section excludes communications with legal counsel, among other items, and requires retaining certain financial-transaction communications for at least two years. Note that the 2025 text also contained copying and search-fee provisions that 2026 legislation reportedly changed, so check the current section before charging any fee.
Board members should also know the budget process. The Act calls for an annual budget reflecting estimated revenues, expenses and surplus or deficit, notice of any assessment increase or decrease before the meeting, and approval at a member meeting. If a quorum is not present, the 2025 text lets the board adopt a budget up to 100 percent of the last approved budget, or up to 110 percent if the governing documents allow it. Reported 2026 changes affect these ceilings for some associations.
Grievances and Attorney General actions
IC 32-25.5-5 sets a grievance resolution process, and IC 32-25.5-4 lets the Attorney General bring actions in defined circumstances. Boards should review both chapters with counsel before escalating a dispute with an owner. Our HOA violations and enforcement guide explains a practical enforcement sequence.
Condominium collections in more detail
Under IC 32-25-6-3, a condominium lien may be filed and foreclosed by suit by the manager or board acting for the association, under Indiana law on mechanics and materialmen liens. In a foreclosure, the owner pays reasonable rental for the unit if the bylaws provide for it, and the plaintiff is entitled to a receiver to collect that rental. Unless the declaration prohibits it, the board may bid on the unit at foreclosure sale. The statute also says a first mortgagee or other purchaser who takes title by foreclosing a first mortgage is not liable for assessments that came due before it took title; those amounts become common expenses shared by all co-owners.
Practical steps for Indiana boards
Statutes set a floor, and documents fill in most of the detail. Boards in Indiana can reduce risk with a few habits.
- Confirm whether your association is subject to IC 32-25.5 in full or only the provisions that apply to every homeowners association.
- Keep financial records and board minutes organized so a written member request can be answered promptly and consistently.
- Adopt a written fine schedule and notice procedure that matches both your documents and any 2026 requirements before issuing fines.
- Review the budget process each year, including notice to members of any assessment change before the budget meeting.
- Have counsel review rental amendments, fee changes and collection steps against the 2026 acts before acting.
For more on the role of the board, see HOA board member responsibilities and HOA reserve funds explained, which covers planning for major repairs even where state law does not require reserves.
Recent changes
Indiana enacted several HOA-related acts in 2026. According to the LegiScan summary of House Bill 1115 (Public Law 155, signed March 12, 2026), the act addresses fine schedules, meeting notice, remote attendance, amendment thresholds and fees for account statements; a McNeelyLaw summary reports effective dates of July 1, 2026 and also describes House Bills 1152 and 1210. Because these are secondary summaries, verify the enrolled text. Our overview is at Indiana HOA law changes 2021-2025.
Remote HOA management in Indiana
Remote management works well for Indiana associations because most administration is digital. A cloud dashboard gives the board financial reports and documents, owners pay dues online, violations are tracked digitally from first notice through resolution, and board support is delivered by phone, email and video. Our remote HOA management in Indiana page explains the model, and our pricing page describes how proposals work.
Rules on manager licensing and registration vary by state. We did not verify a specific Indiana licensing requirement for community association managers, so associations should confirm what applies in Indiana with counsel or the relevant state agency before signing a management agreement.
Frequently Asked Questions
Does Indiana have a state HOA law?
Yes. The Homeowners Association Act, IC 32-25.5, applies to associations established after June 30, 2009 with mandatory dues, and to older associations that elect it. Certain records, meeting and grievance provisions apply to all homeowners associations.
Can an Indiana HOA member inspect the books?
Generally yes. Under IC 32-25.5-3-3, members may request to inspect financial records and board minutes in writing, subject to exceptions such as attorney communications and unexecuted contracts. Fee rules reportedly changed in 2026, so confirm the current text.
Can an Indiana HOA place a lien on my home?
It depends on the community type and documents. For condominiums, IC 32-25-6-3 makes unpaid assessments a lien on the unit with priority over most liens except taxes and a first mortgage of record. For HOAs, check your declaration and IC 32-28-14 with an attorney.
Can an HOA suspend my vote for unpaid dues?
Only in limited cases. IC 32-25.5-3-7 says an association may not suspend voting rights for nonpayment unless the governing documents provide for suspension and the assessments are delinquent for more than six months.
Does Indiana cap HOA rental restrictions?
We found no statewide cap in the statutes we reviewed; rental rules come from your recorded documents. A 2026 act reportedly restricts rental-policy votes to homestead owners, so read it before amending. See our HOA rental caps guide.
How APM Helps
Association Property Managers provides remote HOA and condo management to boards nationwide, with offices in East Lansing, MI and Dublin, CA. Learn more about our association management services, read what HOA management is, or request a free proposal; proposals are delivered within 3 business days. Call 810.777.7060 to talk with our team.
This article is general information, not legal advice. Laws change and associations differ; consult a licensed attorney in Indiana. Last verified October 25, 2026.
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