Homeowners associations (HOAs) filed 284,933 liens against U.S. homeowners in 2025 — an 8.6% increase from the 262,446 filings in 2024 and the equivalent of roughly one lien recorded every 90 seconds — according to property records compiled by Benutech.

An HOA lien is a legal claim placed on a property when an owner falls behind on assessments, fees or fines. In many states, these liens can be enforced through foreclosure.

The increase in lien activity was not evenly spread across the year. Benutech’s data shows the steepest year-over-year gains in the summer and fall months, when many associations details ⇒

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