A new AZ law just kicked in (if you're in an HOA, read this)

AZ Law update // Sept 2026

If you live in a HOA, this just changed...

Hey!!!

Quick one, because this took effect three days ago and I don't think many people know about it yet. If you live in an HOA or a condo — and 2.2 million Arizonans do — the rules around when they can foreclose on you just changed. In your favor.

What's Actually changed

New Limits on Foreclosure Filings

HOAs used to be able to start foreclosure over as little as $1,200 in unpaid dues, or 12 months of missed payments. Now they can't file unless you're 18 months behind, or you owe $10,000 or more.

18 Mo.

Delinquency Period

You'd have to be 18 consecutive months behind on actual dues before they can file.

$10,000

Assessment Threshold

Or owe $10,000 in real assessments. And here's the part that matters — late fees, penalties, and attorney costs don't count toward that number. They can't stack charges to get there faster.

Condos Finally Caught Up

Single-family homes in planned communities got this protection last year. Condo owners were still sitting under the old $1,200 rule until September 12, when the law finally extended to them too.

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To be clear about what this didn't do: HOAs can still foreclose, and they can still sue you or garnish wages to collect. It's just a genuine last resort now instead of something that kicks in over a few hundred dollars. They also have to offer you a payment plan first — that's required, not optional.

Send This to Someone

If you know anyone in an HOA or a condo — and you probably know a lot of people in an HOA or a condo — forward this to them. Most people have no idea this happened.

I'm not a lawyer and this isn't legal advice. I just think you should know your own rights before you need them.

Xoxo- Sarah June Diaz

@azrealtormom