HOA Budget Deadlines by State (2027 Budget Season)

Quick answer: HOA budget deadlines depend on your state, and in many states on your governing documents. Here are the three most common state rules:

• Washington: the board sends the budget to owners within 30 days of adopting it, and owners meet 14 to 50 days later to ratify it.
• California: the annual budget report goes out 30 to 90 days before the fiscal year ends.
• Florida: condominiums must adopt the budget at least 14 days before the fiscal year starts. HOAs must give members the budget, or notice that it’s available.

In most other states, the deadline comes from your bylaws or declaration. The table below shows what each state requires and where to confirm.

If your association runs on a calendar year, budget season is now. This hub collects the deadlines we’ve verified against the official statutes, links to the detailed state guides, and marks the states where your own documents control.

HOA budget deadlines by state (2027 budget season)

We list a state’s specific deadlines only after checking them against the official statute text. Several of the states marked Confirm do have budget-notice or ratification rules in their community association statutes. We’ll add them to this table as each one is verified. Until then, check your bylaws and your state’s statute, or ask your attorney.

Washington: the ratification calendar

Washington has the most structured process in the table. The core rule:

(1)(a) Within thirty days after adoption of any proposed budget for the common interest community, the board must provide a copy of the budget to all the unit owners and set a date for a meeting of the unit owners to consider ratification of the budget not less than fourteen nor more than fifty days after providing the budget.

(RCW 64.90.525(1)(a))

If owners reject the budget, or the notice isn’t given, the last ratified budget stays in effect (RCW 64.90.525(1)(b)). The budget itself must show the reserve contribution, whether the association has a compliant reserve study, and the per-unit reserve surplus or deficiency (RCW 64.90.525(2)).

Calendar-year example:

• the board adopts in late October;
• the budget goes out in early November;
• owners meet in early December.

For running that meeting (notice, the vote, and a sample minutes entry), see HOA Board Minutes’ Washington ratification meeting guide. Most Washington associations also need a reserve study to fill in those budget lines. Dynamite covers that in its RCW 64.90.545 reserve study post.

California: the 30-to-90-day window

California’s rule is a distribution window, not an approval vote. For a December 31 fiscal year, the annual budget report must go out between October 2 and December 1. The report has 12 required items, including an accrual-basis pro forma budget, the reserve summary and funding plan, and an insurance summary (Civ. Code § 5300(b)). Dynamite’s Civil Code 5300 guide walks through each one.

Florida: condos vs. HOAs

Condominiums (Chapter 718) have firm deadlines:

• The board must adopt the budget at least 14 days before the fiscal year starts (s. 718.112(2)(f)1.). For a calendar-year condo, that’s December 18.
• At least 14 days before the budget meeting, owners must receive notice and a copy of the proposed budget (s. 718.112(2)(e)).
• If the proposed assessments exceed 115 percent of the prior year’s, the board must also propose a substitute budget.

For condos that need a structural integrity reserve study (SIRS), owners can no longer waive the SIRS reserves. See Florida condo SIRS budgets.

HOAs (Chapter 720) have lighter rules. The statute requires:

The association shall provide each member with a copy of the annual budget or a written notice that a copy of the budget is available upon request at no charge to the member.

(s. 720.303(6)(a), Fla. Stat.)

And if the budget raises assessments at a board meeting:

An assessment may not be levied at a board meeting unless the notice of the meeting includes a statement that assessments will be considered and the nature of the assessments.

(s. 720.303(2), Fla. Stat.)

Florida HOA reserves are optional unless the members have voted to establish them. If they have, the reserves can be waived only for one budget year at a time (s. 720.303(6)).

A budget-season checklist for any state

1. Find your fiscal year-end and count backward to your state’s distribution or adoption deadline.
2. Read your bylaws and declaration. They often set the notice period, the meeting type, and whether owners vote on the budget. Where the statute and your documents differ, the statute usually controls. Confirm with your attorney.
3. Update the reserve numbers from your latest reserve study before the board adopts the budget.
4. Build the budget on a template that shows operating and reserve funds separately. Our free HOA budget template for 2027 does that and notes who approves the budget in each state.
5. Send the budget in a way you can prove, and keep a copy of what went out and when.
6. Record the adoption and any owner vote in the minutes.

Where HOA Fiscal fits

If your association is self-managed, HOA Fiscal keeps the budget, the reserve fund and the owner ledger in one place. Budget-versus-actual reports and owner statements come straight from the books, so the numbers you send owners match your financial statements. See HOA financial statements explained for how the budget ties to the monthly reports. We also compare our pricing against competitors, including where they’re cheaper, in best HOA accounting software. And if you’d rather hand off the financial side while still self-managing, Dynamite Management can take over the books.

New to running things yourselves? Start with how to self-manage an HOA.

This is not legal advice. Deadlines above are summarized from the cited statutes. Confirm your association’s obligations with the current statute, your governing documents and your attorney.

FAQ

When does an HOA have to send out its budget? It depends on the state. Washington: within 30 days after the board adopts it. California: 30 to 90 days before fiscal year-end. Florida condos: with notice at least 14 days before the budget meeting. Many other states leave it to the bylaws.

Do homeowners have to approve the HOA budget? In Washington, owners ratify it at a meeting, and it passes unless a majority of all votes reject it. In Florida condos, owners can adopt a substitute budget when assessments rise more than 115 percent. Elsewhere, check your governing documents.

What is the deadline for a Florida condo budget? The board must adopt it at least 14 days before the start of the fiscal year (s. 718.112(2)(f)1.).

What if our state isn’t in the table? Check your bylaws and declaration first, then your state’s community association statute, and confirm with your attorney.

Cover: Photo by John Hill on Pexels