What Is an HOA Special Assessment?

Written by Jennifer Lyons on November 26, 2025

Reviewed by Neil Swanson, Edited by Alycia Lucio

An HOA special assessment is an additional cost charged to homeowners to cover major projects or unplanned expenses, like a new roof after a natural disaster. When living in a community managed by a homeowners association (HOA), each homeowner will need to pay monthly HOA dues to cover expenses for the coming year. Every so often though, an unanticipated expense comes up that goes beyond the funds collected.

Unlike your monthly HOA dues that pay for routine landscaping, pool maintenance, or trash pickup, special assessments are an additional cost divided among homeowners as needed to tackle big projects or emergency repairs.

What do HOA assessments cover?

Special assessments are typically used to cover additional HOA costs that fall within three categories: unexpected expenses, budget shortfalls and capital improvements, like replacing a roof. Think of special assessments as your HOA community’s version of a surprise bill for big-ticket needs. Maybe the operating expenses are higher than anticipated for the year, or there is a budget deficit. The HOA board (usually made up of elected homeowners) may impose special assessments to cover the cost. Here are some examples of when an HOA assessment may be required: LEARN MORE…

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