Condo Laws by State
Every state has its own condo statute. It sets default rules for who maintains what, how reserves work, what insurance the association must carry, and what a buyer gets before closing. Your declaration fills in the rest. Pick your state to see the rules that apply.
Arizona
Arizona Condominium Act (A.R.S. 33-1201 et seq.)
Arizona does not require condo associations to conduct reserve studies.
California
Davis-Stirling Act (Civil Code 4000 et seq.)
Yes, a reserve study with a visual inspection is required at least every 3 years when major component replacement value is at least half the gross budget.
Colorado
Colorado Common Interest Ownership Act (CCIOA, C.R.S. 38-33.3)
Colorado does not require most existing associations to complete a reserve study, but each association must adopt a written policy that says whether and when it gets one.
Florida
Florida Condominium Act (Ch. 718, F.S.)
Yes for buildings three habitable stories or higher, which need a structural integrity reserve study (SIRS) at least every 10 years.
Georgia
Georgia Condominium Act (O.C.G.A. § 44-3-70 et seq.)
The Georgia Condominium Act does not require a reserve study.
Hawaii
Condominium Property Act (HRS Chapter 514B)
Yes, Hawaii requires association budgets to be based on a reserve study, and associations must fund at least 50 percent of the estimated reserve needs (or 100 percent under a 30-year cash flow plan).
Illinois
Illinois Condominium Property Act (765 ILCS 605)
Illinois requires reasonable reserves in every condo budget but does not require a reserve study.
Maryland
Maryland Condominium Act (Real Property Article, Title 11)
Yes. Residential condos must have an independent reserve study and an updated study at least every five years, with deadlines that phased in by county (sec. 11-109.4).
Massachusetts
Massachusetts Condominium Law (M.G.L. c. 183A)
No. Chapter 183A does not require a reserve study, but section 10(i) requires every condo to maintain an adequate replacement reserve fund in a separate account.
Michigan
Michigan Condominium Act (MCL 559.101 et seq.)
No reserve study is currently required, but a reserve fund is.
Nevada
Common-Interest Ownership (Uniform Act) (NRS Chapter 116)
Yes, Nevada requires a reserve study at least once every 5 years (NRS 116.31152).
New Jersey
New Jersey Condominium Act (N.J.S.A. 46:8B-1 et seq.)
Yes. Associations of planned real estate developments, including condos, must have a capital reserve study with a 30-year funding plan, reviewed at least once every five years (N.J.S.A. 45:22A-44.2).
New York
New York Condominium Act (Real Property Law Art. 9-B)
New York has no statewide requirement for condo reserve studies.
North Carolina
North Carolina Condominium Act (N.C.G.S. Chapter 47C)
No. The North Carolina Condominium Act does not require a reserve study.
Pennsylvania
Pennsylvania Uniform Condominium Act (68 Pa.C.S. 3101 et seq.)
No. The Uniform Condominium Act does not require a reserve study, though the resale certificate must disclose reserve amounts and planned capital spending.
Texas
Texas Uniform Condominium Act (Property Code Ch. 82)
Texas does not require condo associations to conduct reserve studies.
Virginia
Virginia Condominium Act (Va. Code § 55.1-1900 et seq.)
Yes. Unless the condominium instruments provide otherwise, the board must conduct a reserve study at least once every five years and review the results at least once a year (§ 55.1-1965).
Washington
WUCIOA (RCW 64.90) and Condominium Act (RCW 64.34)
Yes, most associations must prepare a reserve study and update it every year, with a reserve study professional's site inspection at least every third year.
Don't see your state? The general principles in our Responsibility Guide and Due Diligence Checklist apply broadly. State law adds its own requirements on top of your association's governing documents.
These guides are general education, not legal advice. Talk to a licensed attorney in your state about a specific dispute.
Want everything in one place?
The CondoWorkbook combines the responsibility matrix, due diligence checklists, maintenance trackers, and board question scripts into one printable PDF you can mark up and keep ($19).
View the Workbook