1 in 2 Florida residents live in HOAs – how these private governments are reshaping the American Dream

HOA policies don’t always reflect the wishes of the homeowners whose interests they are meant to represent – and they aren’t legally required to.

By: Stephanie A. Dhuman, Hamilton College, The Conversation

Outlets: The Conversation

Published: September 30, 2026

Words: 1,467

Last Updated: 2 weeks, 4 days ago

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By Stephanie A. Dhuman, Hamilton College

As she sat across from me drinking tea, Coretta – a pseudonym to protect her identity – shared her dismay about living in a central Florida community due to the control of her homeowners association, or HOA.

A Black mother of three with a background in real estate, Coretta has lived in her mostly Hispanic community for over 20 years. She told me that apathy had long replaced …

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