When you closed on your house located in an HOA-governed community, you agreed to things that you may not have imagined. Yes, you as a grownperson—who likely made the largest purchase of your lifetime—signed up to have an abundance of rules for a property you thought you owned. These rules exist to create homogeneity for the betterment of the community, aka “to increase property values…or at least that’s what they continue to tell you. Look at the verbiage HOAs use (emphasis mine):
Getting terminated from your job has its pros and cons. One pro is that if you have been trying to get out of your career field of almost two decades and have been dragging your feet, you instantly get a motivational boost (and extra time to act on it) like never before! Another pro is that you become eligible for unemployment compensation if you were fired without cause.
In my neighborhood in 2020, we started paying for security in our HOA fees because of car break ins. People assumed that those other people were coming in and trying to steal what we hard-working Americans had purchased. Oh the irony because although we may not live in the ghetto, apparently my neighborhood is ghetto—andthis includes the Homeowners Association. What an interesting twist.
I remember one day I was minding my business outside and someone approached me and asked about my neighbor. Stranger Danger! After a few questions, the person identified themselves as a member of the HOA Board. Then, they provided me with some information. The whole time I engaged enough to appear cooperative, but was playing along responding with details that this person already knew. Why would the HOA put me in this situation?
According to word on the streets, living in an Homeowners Association governed community makes your property value higher [than those other people’s homes that are not HOA governed]. How do you know this is true? Because everyone told you so and everyone continues to tell you so. But also, if you do an internet search for, “Do homes in HOA communities have a higher property values?”, at least the first page of your search will tell you, “Yes, yes, of course!”
When you thought of your American Dream, did it involve Homeowners Associations? Mine didn’t. While I knew what an HOA was, I did not consider how it could impact my life positively or negatively. But I know me; and I am a freedom-loving, creative person. That information is enough to know that I should have been anti-HOA.
We live in a hurricane state. From June through November, we never know if we are actually going to have any storms that approach Tampa. And if we do, we cannot be certain if we will suffer damage from the storms. Being a homeowner in this way sucks because one storm can wipe out both your home and your income while you deal with insurance claims, field phone calls, and have people in and out of your home coming to assess and [potentially] fix the damage.
When some people think of HOA neighborhoods, they picture sameness. The grounds are decorated with rows of plants. The community is free of trash and other debris. The houses look more or less the same. The lawns appear perfectly maintained. The cars are nicely hidden in the garages. And there are white picket fences, two-parent households with 2.5 children and a cat and or a dog.
Change is hard for most folks. That is why we have traditions. But traditions are not always good. Read Shirley Jackson’s The Lottery. Florida is one of the states with the highest amount of people living in an HOA-governed community. And 70% of the people want to get rid of HOAs.
When you are experiencing hard times because of your Homeowners Association, you have to learn—or revert to—certain behaviors to stay afloat while you figure out how to get your life out of shambles. Living in a working-class neighborhood should not be so difficult. We go to work our asses off, come home, eat, then sleep. But when you already are in a disadvantaged situation, you are hyper aware that there is a thin line between working-class and below the poverty line.
