08/11/2026
Previously, an Arizona HOA could begin foreclosure proceedings when a homeowner owed as little as $1,200 in unpaid assessments and had been delinquent for one year. Under the new laws, that threshold has increased to $10,000, and homeowners now have 18 months to catch up before an HOA can pursue foreclosure.
The changes apply to both single-family homes and condominiums and are part of a broader shift toward providing homeowners greater protection in HOA disputes. Important to note: HOAs can still pursue unpaid assessments through other means, including court judgments, wage garnishment and other collection methods.
With more than 2.2 million Arizonans living in HOA communities, these changes could impact a significant number of homeowners statewide.
Recent legislation and court cases have trended in favor of homeowners in communities with HOAs the past few years.