Pros and Cons of living in an Outer Banks HOA Neighborhood


Purchasing a home on the Outer Banks is a rewarding investment that can provide not only financial growth, but a connection to an incredible community. But choosing where to live can sometimes include more than meets the eye and more than just the right home in the right physical location. There are a wide variety of homes on the Outer Banks to meet your every need, and some of these homes are communities with Home Owner Associations (HOA). But whether an HOA community is right for you depends on individual preferences, personalities and the HOA itself. Here are some pros and cons of living in an HOA community.


  • Community appearances are kept up by standards set by the HOA or face a fine.
  • Low maintenance depending on the HOA and services they offer, like trash removal and lawn care are sometimes handled by the HOA.
  • Maintenance of common areas
  • Recreational amenities such as pools and tennis courts
  • Association management to handle unruly disturbances or issues.
  • Maintenance of your property if you’re far away means that if you’re using an Outer Banks home as an income-making property, purchasing in an HOA community ensures lawn care, landscaping, and other appearances of your property are properly kept up.
  • Security for your home is provided by many HOA neighborhood watches and security guards.


  • Dictation of landscaping regarding plants, flowers and appearance around your home.
  • Fines if you do not comply with HOA rules and standards.
  • Threat of eviction and foreclosure if late on HOA dues and fees
  • HOA dues can be increased at any time and are not tax deductible
  • HOA’s can regulate whether you can rent out your property, so make sure you research carefully
  • Some HOA prevent operating a business out of a home
  • Feeling of being under constant watch to maintain your home to the HOA standards

Whether or not you choose to purchase a home in an HOA community really comes down to your individual preference and what you’re aiming to achieve with your home purchase in the long run. Being a member of an HOA is a blessing or some and a curse for others. Regardless of your direction, thoroughly researching the HOA is an important step in your decision making process. Talk with neighbors, meet other members and read their rules to form an educated opinion.

For more information regarding real estate and investment property on the Outer Banks, check out our blog!

Yes, You Can Expect More With The Eillu Real Estate Team!

Mailing Address
PO Box 3009, Kitty Hawk, NC 27949
Physical Address
3712 Suite B North Croatan Hwy
Kitty Hawk, NC 27949
Zillow Logo
Trulia Logo
Realtor Logo
Homes Logo
MLS Logo
OBX Realtor Logo
Equal Housing Logo