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Can An HOA Stop You from Painting Your House? The Truth About Architectural Controls

Close up of a color swatch with a wooden house model laid on top of it.

In many cases, a homeowners’ association (HOA) can stop you from painting your house. Exterior paint rules exist to protect property values, maintain visual consistency, and reduce disputes between neighbors. However, each HOA is unique, and rules and enforcement processes vary greatly from one community to the next. By understanding paint restrictions and general design guidelines, your next home project is sure to be an HOA-approved success.

This article covers common architectural enforcement practices used by professionally managed homeowners' associations across the United States. It’s based on documented HOA governance standards, widely adopted review procedures, and published guidance from national industry organizations.

Can an HOA Tell Me What Color I Can Paint My House?

Yes. Many associations regulate exterior paint colors to preserve a cohesive appearance across the community. These rules are typically grounded in the association's long-standing governance authority and in documented architectural standards.

Part of an association’s architectural controls, painting rules usually apply to visible exterior surfaces. Because visual uniformity is proven to promote neighborhood stability and resale confidence, paint color is one of the most common HOA design restrictions.

Statistic: According to the National Association of REALTORS®, more than 75 million Americans live in communities governed by associations, many of which have enforceable exterior standards.

HOA Architectural Control Rules

Architectural controls are HOA rules governing visible exterior changes. They define what homeowners can and can’t do to the exterior of their property and how approval is granted. These rules balance individual ownership rights with collective community interests.

The architectural control guidelines serve as clear standards for evaluating exterior changes, enabling associations to make predictable approval decisions.

These regulations are designed to:

  • Protect community standards.

  • Maintain aesthetics.

  • Prevent modifications that reduce neighboring property values.

  • Ensure changes comply with local zoning or safety standards.

NOTE: Architectural authority isn’t unlimited. Specific enforcement powers depend on state statutes and each association’s governing documents. Some states impose additional procedural requirements that boards must follow before denying or enforcing architectural decisions.

What Types of Painting Rules Do HOAs Enforce?

Most associations regulate paint projects using clear, written standards outlined in the governing documents. The following criteria (among others) are often included in HOA design guidelines.

  • Color. Approved palettes or pre-selected color families.

  • Finish. Limitations on gloss, matte, or reflective surfaces.

  • Location. Defined boundaries for trim, siding, doors, shutters, or accents under HOA exterior paint restrictions.

  • Timeframe. Seasonal or daytime painting limits to reduce disruption.

LEARN MORE: “A Breakdown of HOA Governing Documents”

Row of two-story homes painted grey, red, and black with white outlines.

Can an HOA Fine Me for Paint Color?

Yes. If a homeowner paints without approval or violates standards, enforcement usually follows a structured path.

Typical escalation includes:

  • Written violation notice.

  • Opportunity to correct the issue.

  • Monetary fines if noncompliance continues.

  • Legal action or lien in severe cases.

These consequences are intended to ensure compliance and shouldn’t be viewed as punishment. Most associations prefer voluntary correction over penalties. Associa outlines best practices for avoiding violations.

Pro Comment: In communities with published color palettes, repainting without prior approval is one of the most common exterior compliance issues.

How to Avoid Painting Violations

Violating the rules can not only delay your project, but can also be costly. To ensure a smooth process, do this before painting:

  • Read your governing documents carefully.

  • Communicate early with the review board and management.

  • Confirm whether the project qualifies as HOA exterior modifications.

  • Review approved colors and finishes.

  • Submit an architectural request when required.

  • Wait for written authorization before scheduling contractors or purchasing materials.

  • Follow approved colors and finishes exactly.

1/4 of homeowners have received a violation. Read “Top Frequently Asked Questions About HOA Violations” to learn more about these infractions.

How to Submit an Architectural Request

Almost all associations require a written request before exterior work begins. This process protects both the homeowner and the board.

A standard submission usually includes:

  • Paint color name and manufacturer.

  • Finish type.

  • Surface areas being painted.

  • Photos or samples.

  • Proposed start and completion dates.

Requests are reviewed by the HOA architectural review committee (ARC) or a designated board group. It’s the ARC’s duty to approve or deny the request based on the community’s written procedures, not personal preference. 

In fact, California’s Davis-Stirling Common Interest Development Act requires associations to apply architectural standards reasonably and consistently, with written decisions issued within defined timeframes.

“An architectural request will likely be denied if it violates local laws or community rules. Before you submit a request, check your city or town’s official website to find zoning laws and ordinances. Also, reference the CC&Rs and confirm compliance to avoid hiccups.” – Robin Kingston, CMCA®, senior property manager, Evergreen Management Group

For issues involving legal, tax, or insurance decisions, always consult a qualified professional for guidance specific to your state and local laws. The information provided here is for educational purposes only.

FREE TEMPLATE: “Architectural Review Committee Change Request Form”

Everything Residents Need to Know about HOA Rules

Exterior paint rules might seem restrictive, but they serve a purpose. When homeowners understand architectural controls, follow approval steps, and communicate early, painting projects are a success. For broader guidance on HOA authority, enforcement, and homeowner rights, Download Associa’s Comprehensive HOA Rules Guidebook: Everything Residents Need to Know.

FAQs about HOA Painting Rules

Can an HOA tell you what color to paint your house?

Yes. If the governing documents authorize architectural standards, exterior paint colors can be regulated.

How do I get repainting my home approved by HOA?

Submit a complete architectural request, including color details, finishes, and timelines, before starting work.

What happens if I paint my house without HOA approval?

You might receive a violation notice, be required to repaint, and face fines if the issue isn’t resolved.

What are common HOA rule violations?

The most common violations in a homeowners’ association are parking, noise, and pet infractions.

This article was developed using educational resources and governance standards published by Associa and other nationally recognized community association organizations.

Reviewed for accuracy by Associa community association governance resources and industry experts.