Indiana capped the HOA payoff letter at $50 — nine days after capping it at $250
Indiana capped the HOA payoff letter at $50 — nine days after capping it at $250
2026-09-10 · Indiana · Legislation
What happened. Every Indiana closing involving a home in an association needs the same document: a statement of what the seller owes the association. Associations and their managers have charged for it, sometimes heavily. Since 1 July 2026 the ceiling is $50.
Getting there took two bills and produced a genuine trap for anyone reading only one of them.
The nine days
House Enrolled Act 1152 (Public Law 53-2026) was signed on 3 March 2026. It amended IC 32-21-5-8.5 to provide that an association or its agent “may not charge… more than two hundred fifty dollars ($250)” for a statement of unpaid assessments on resale.
House Enrolled Act 1115 (Public Law 155-2026) was signed on 12 March 2026 — nine days later. It amended the same subsection, and its text is expressly drafted against the earlier act, carrying the notation that it amends the section “AS AMENDED” by HEA 1152. Its number is not $250:
“a homeowners association or agent of a homeowners association providing a statement of unpaid assessments or other charges of the homeowners association relating to the property may not charge a fee more than fifty dollars ($50) for the statement.”
Both acts took effect on the same day, 1 July 2026. The later-signed act controls. The $250 figure never governed anything — it was superseded before either provision was ever in force.
Why this matters beyond the arithmetic
Secondary summaries of Indiana's 2026 session written between 3 and 12 March report the cap as $250, and some written later still do, because they tracked HEA 1152 as the HOA bill and did not revisit it. An association still charging $250 on the authority of one of those summaries is charging five times the lawful maximum.
This provision also sits in IC 32-21-5, the seller-disclosure article — not in the HOA article. That placement matters, and we come to it below.
Keep reading with the Indiana State Pass
The rest of this analysis — what an association can actually do, the recent bills and rulings, and how Indiana compares nationally — is for subscribers. $49/month for every Indiana topic on HOA Weekly.
$49/month, $449/year, or a $19.99 day pass.
What you unlock
- The companion rule that catches the workaround
- What a management company has to change
- For sellers and buyers
and 2 more sections in detail
Already a subscriber? Sign in
Recurring monthly subscription · Cancel anytime · Need help?
Related Indiana HOA Topics
- House Enrolled Act 1115 (2026), P.L. 155-2026 — enrolled act text amending IC 32-21-5-8.5 and IC 32-25.5-3-3 ↩
- House Enrolled Act 1152 (2026), P.L. 53-2026 — enrolled act text (the superseded $250 figure) ↩
- Office of the Governor, 2026 Bill Watch — HEA 1152 signed Mar. 3, 2026; HEA 1115 signed Mar. 12, 2026 ↩
Stay on top of Indiana HOA law
Every week: new Indiana legislation, court rulings, and regulatory developments affecting condos, planned communities, and property managers. Free.
No spam. Unsubscribe anytime.