STATE-BY-STATE RESERVE GUIDANCE
Reserve Requirements and Funding by State
Find state-specific reserve study requirements and funding laws — choose your state to see what is legally required for reserve studies, updates, and funding levels.
Every state. One place to start.
Published guidance for all 50 states.
AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming
Related resources
Common questions about what HOAs are legally required to do, what happens if reserves are underfunded, and how reserve status affects mortgage eligibility.
Today, over a half-million homes use the Living Reserve Study.
Decadesof Living Reserve Studies
BillionsReserves Funding Capital Needs
BillionsAnticipated Capital Expenditures
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