HHOAs Graded
Public Rubric

How the HOA Community Score works

Every HOA on HOAs Graded is scored against the same 100-point rubric — five dimensions, 20 points each. The score is recalculated automatically whenever the underlying data changes. Below is the full rubric, with the exact rules and the data sources behind each dimension.

Letter grades

  • A+90–100%
  • A80–89%
  • B+70–79%
  • B60–69%
  • C50–59%
  • D40–49%
  • Fbelow 40%
  • NDFewer than 2 dimensions have data

Only dimensions with data are counted toward the percentage. Data Completeness always counts.

The five dimensions

Financial Health

0–20 pts
  • •Reserve fund ≥ 70% of recommended: +6 · 40–70%: +3 · <40%: 0
  • •No special assessments in last 5 years: +4 · one: +2 · two+: 0
  • •No outstanding liens against the HOA: +5
  • •Annual fee increase <5%: +5 · 5–15%: +2 · >15%: 0
Sources: Annual budgets, reserve studies, county lien filings.
No score when: No financial data is on file.

Legal Standing

0–20 pts
  • •No active litigation: +8 · one case: +4 · two+: 0
  • •No regulatory actions on record: +6
  • •Prior litigation resolved in HOA's favor: +4
  • •Management company has no recent violations: +2
Sources: County and state court records, regulatory body filings, management company history.
No score when: No legal records are on file.

Governance

0–20 pts
  • •CC&Rs on file: +5
  • •Meeting minutes within last 12 months: +4
  • •Annual financial report filed within 12 months: +4
  • •Board elections documented: +4
  • •Management company BBB rating A or A+: +3
Sources: HOA-filed documents, public board records, BBB rating for management company.
No score when: No governance records are on file.

Resident Experience

0–20 pts
  • •Average rating 4.0–5.0: +10 · 3.0–3.9: +6 · 2.0–2.9: +2 · <2: 0
  • •10+ reviews: +5 · 3–9: +2 · <3: 0
  • •Majority of reviews from the last 24 months: +5
Sources: Verified resident reviews collected on HOAs Graded.
No score when: There are zero approved reviews.

Data Completeness

0–20 pts
  • •Financial data present: +5
  • •Legal record present: +5
  • •Documents present: +5
  • •Management company identified: +3
  • •Board contact available: +2
Sources: Cross-checked against the four dimensions above. Always scores — rewards transparency.
No score when: Never null — Data Completeness always contributes.

How grades update

Grades are recalculated automatically and immediately whenever new data is added or changed — including new approved resident reviews, newly filed litigation records, uploaded documents, or admin updates to HOA financial and governance fields.

Dispute process

If you believe a data point that contributed to your HOA's grade is inaccurate, email disputes@hoasgraded.com with the HOA name, the dimension in question, and any supporting documentation. We review every dispute within 10 business days and update the record when warranted.

Disclaimer. Grades reflect publicly available data and verified user submissions only. HOAs Graded does not have access to private association records and the score should be treated as one input among many when making decisions about an HOA.
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