Let’s be honest. HOA communities can feel like joining a private club, except: you might be paying for rules you never agreed to, and fines that show up like surprise guests.
Whether you’re moving to Myrtle Beach from out of state, or you’re a local buyer finally ready to plant some roots, understanding how HOAs (Homeowners Associations) work is non-negotiable. Because nothing kills the beach vibe faster than an angry letter about your American flag placement or the wrong shade of beige on your shutters.
What Even Is an HOA?
HOAs are legal entities created by developers to manage common areas in subdivisions, condos, or planned communities. When you buy into an HOA neighborhood, you’re agreeing to follow that community’s rules and pay dues for the upkeep of shared spaces (think pools, landscaping, clubhouses).
Sounds simple, right?
Except the devil’s in the details, and the fine print.
Real Talk: What Can Go Wrong?
Here’s where it gets spicy. Not all HOAs are created equal. Some operate like smooth machines. Others? Think HOA presidents who take their power a little too seriously.
Case Study: “The Pool Chair Incident” A client of mine bought in a beautiful gated community just outside Myrtle. On week two, they were fined $250 for leaving a beach towel draped over a patio chair overnight. ?!?!?! “Visual clutter,”– the letter read. One appeal, two meetings, and a citation later… they moved.
Moral of the story? Read the bylaws. Twice.
The Pros (Yes, There Are Some)
- Maintenance-Free Living: Common areas stay clean. You don’t mow your front lawn.
- Community Standards: Everyone’s property looks good. Consistent curb appeal protects home values.
- Amenities: Pools, tennis courts, gyms, trails.
Pro Tip: If you hate unexpected costs, many HOAs include things like trash pickup, pest control, or even water in monthly dues. Just make sure the value matches the cost.
The Cons (Aka: The Fine Print Fiascos)
- Strict Rules: Pet limits, paint color approvals, fines for parking your own boat.
- Special Assessments: Surprise fees if the community needs unexpected repairs.
- Limited Freedom: Want a trampoline? Maybe. Want a purple front door? Probably not.
And remember: Even if you pay off your house, you still owe HOA dues. Forever.
What to Do Before You Sign
- Request the Full Covenants, Conditions & Restrictions (CC&Rs) and bylaws. Don’t rely on summaries.
- Ask for the HOA Budget & Meeting Minutes: Is the HOA solvent? Any lawsuits? Constant drama?
- Meet the Neighbors: They’ll tell you if the board is cool or controlling.
- Factor Dues into Your Monthly Budget: Some fees are $50/month. Others are $500+.
Do You Have to Live in an HOA in Myrtle Beach?
Absolutely not. There are tons of neighborhoods, especially inland or outside city limits, with no HOA at all. But remember: with freedom comes responsibility (and probably lawn mowing).
If you’re looking for flexibility, consider areas like Conway, Socastee, or parts of Murrells Inlet. And yes, I can help you find those unicorn listings.
An HOA can make or break your homeownership experience. It’s not just about amenities. It’s about lifestyle, rules, and how much control you’re willing to give up for convenience.
You deserve to buy a home that fits your goals. Not just one that fits someone else’s handbook.
- Always rooting for you,
- Evangeline Raiskaya | Ramos Property Team
- Powered by Keller Williams Innovate South|
- Your connection to the coast.
- Myrtle Beach and Beyond+