1 in 2 Florida residents live in HOAs, reshaping the American Dream

Homeowners associations (HOAs) in Florida have become a dominant force, with nearly half of residents living in communities overseen by these private governments. Research suggests that HOAs act as racialized organizations, creating and maintaining inequality by diminishing the agency of racialized groups and legitimizing the unequal distribution of resources. Residents, like Coretta, a Black mother of three, feel excluded and controlled by HOA rules, which often extend beyond aesthetic choices to include things like sponsoring events and activities. The lack of agency and voter suppression in HOAs is a significant concern, with many residents feeling that their voices are not heard. HOAs charge dues, which can act as a barrier to entry for potential homebuyers, often falling along racial lines and maintaining racial segregation. This segregation is seen as a way to maintain property values. The impact of HOAs on the American Dream is significant, as they restrict homeownership and create unequal opportunities for residents.