Illinois HOA & Condominium Law
6 active Illinois statutes govern homeowners associations and condominiums in the state. The corpus encodes 7 specific requirements across governance, finance, reserves, disclosure, and enforcement.
Estoppel Disclosure Workflow
13 standard items
IL
CommunityPay has not verified a state-specific statutory resale certificate regime in Illinois. Disclosure follows a non-statutory estoppel workflow. The 13 items below reflect standard title company and lender expectations, not legal requirements specific to any particular association.
- Current periodic assessment amount and any unpaid or delinquent assessments
- Pending or approved special assessments
- Reserve fund balance and designated projects
- Most recent balance sheet and income/expense statement
- Current operating budget
- Insurance coverage provided for the benefit of owners
- Pending lawsuits, unsatisfied judgments, or threatened litigation
- Board composition, meeting frequency, and governance status
- Declaration, bylaws, and rules and regulations
- Capital expenditures approved or anticipated for current and next two fiscal years
- Transfer fees, move-in/move-out fees, or other charges upon sale
- Known violations of the governing documents or applicable codes
- Right of first refusal or other restraints on transfer
Industry incumbents (HomeWiseDocs, CondoCerts) charge residents $250–$400 per resale certificate.
Under 765 ILCS 160/1-35, Illinois caps the preparation fee at $375 by statute. With CommunityPay, the board issues the certificate directly from live ledger data — the board controls pricing within the statutory cap. Residents typically save $200+ per closing.
What Illinois Law Requires
Governance (3)
- Governs non-condominium common interest communities (HOAs, townhomes) in Illinois. 765 ILCS 160/1-1
- Governs condominium associations in Illinois. 765 ILCS 605/1
- Establishes condominium creation, governance, and owner protections. 765 ILCS 605/1
Assessment (2)
- Assessment lien authority and enforcement for Illinois condominiums. 765 ILCS 605/9
- The lien may be foreclosed in the same manner as a mortgage 765 ILCS 605/9 (g)(1)
Disclosure (2)
- Resale disclosure requirements for Illinois condominium unit sales. 765 ILCS 605/22.1
- Within 30 days of the receipt of the request 765 ILCS 605/22.1 (a)
Sourced from CommunityPay's living legal corpus. Each requirement traces to a primary statute snapshot verified by a subject-matter expert.
Topic Coverage
Governance Documents
2
Assessment Collection
1
Enforcement and Fines
1
Foreclosure and Liens
1
Meetings and Notice
1
Resale Disclosure
1
Each chip links to the Illinois statutes addressing that topic. Counts reflect distinct statute assignments.
Applicable Statutes
Illinois Common Interest Community Association Act — Applicability
Governs non-condominium common interest communities (HOAs, townhomes) in Illinois.
Common Interest Community Association Act — Resale Disclosure
Resale disclosure statement requirements; fee cap of $375.
Illinois Condominium Property Act — Applicability
Governs condominium associations in Illinois. Establishes condominium creation, governance, and owner protections.
Illinois Condominium Property Act — Meetings
Unit owner and board meeting requirements; 10-30 days notice for owner meetings, 48 hours for board meetings.
Illinois Condominium Property Act — Resale Certificate
Resale disclosure requirements for Illinois condominium unit sales.
Illinois Condominium Property Act — Lien for Assessments
Assessment lien authority and enforcement for Illinois condominiums.
Source: Illinois state legislature. Statutes verified by CommunityPay. Last verified April 2026.
Pending & Recent Illinois HOA Legislation
Last action: Apr 27, 2026
Last action: Apr 17, 2026
Last action: Feb 20, 2025
Last action: Mar 27, 2026
Last action: Feb 3, 2026
Last action: Apr 28, 2026
Last action: Apr 27, 2026
Last action: Mar 27, 2026
Last action: Mar 27, 2026
Last action: Mar 27, 2026
27 HOA-relevant bills tracked for Illinois · refreshed May 2, 2026 · Source: LegiScan
Frequently Asked Questions — Illinois HOA Law
How much can a Illinois HOA charge for a resale certificate?
Under 765 ILCS 160/1-35, a Illinois homeowners association may charge no more than $375 for preparing a resale certificate (the disclosure packet required when a unit is sold). Charges in excess of the statutory cap are not collectible from the seller or buyer.
Source: 765 ILCS 160/1-35
How long does a Illinois HOA have to deliver a resale certificate?
Under 765 ILCS 605/22.1, a Illinois association must deliver the resale certificate within 30 calendar days of a written request from the unit owner, prospective purchaser, or their representative. Missing the deadline carries statutory consequences — including, in many states, release of the buyer from any unpaid amounts the seller owed at the time of the request.
Source: 765 ILCS 605/22.1
How much advance notice must a Illinois HOA give for meetings?
Under 765 ILCS 605/18, a Illinois association must give unit owners at least 10 days advance notice of meetings. The notice must specify the date, time, place, and agenda items to be considered. Actions taken at a meeting that violates the notice requirement may be voidable on owner challenge.
Source: 765 ILCS 605/18
Does a Illinois HOA assessment lien have priority over a first mortgage?
Yes — Illinois is a 'super-priority' state. Under 765 ILCS 605/9, the association's lien for 6 months of unpaid assessments takes priority over a first-recorded mortgage. When the HOA forecloses, the first mortgage lender must either pay the 6 months of super-priority assessments or risk losing its lien — a significant collection tool for the association.
Source: 765 ILCS 605/9
Answers derived from the Illinois legal corpus. Every numeric value (fee caps, deadlines, percentages) is pulled from a primary-source statutory threshold record verified by CommunityPay.
Illinois HOA Fee Benchmark
$227
Avg Median Monthly Fee
$146 – $371
County Range
379446
Units Paying HOA Fees
Source: U.S. Census Bureau, American Community Survey 2023 5-Year Estimates (PUMS). 102 counties with data.
Communities by City
Chicago
20
Naperville
7
Dunlap
3
Lombard
3
Palatine
3
Peoria
3
Springfield
3
Des Plaines
2
Lake Zurich
2
Loves Park
2
Marion
2
Mchenry
2
Mundelein
2
Richton Park
2
Schaumburg
2
Urbana
2
Wasco
2
West Chicago
2
Westmont
2
Alton
1
Anna
1
Antioch
1
Apple River
1
Barrington
1
Batavia
1
Belleville
1
Bolingbrook
1
Burr Ridge
1
Cabery
1
Carbondale
1
Champaign
1
Crystal Lake
1
Dekalb
1
Elgin
1
Elmhurst
1
Evanston
1
Fairbury
1
Fairfield
1
Fowler
1
Glencoe
1
Herscher
1
Highland
1
Inverness
1
Itasca
1
Joliet
1
Lake Villa
1
Lynn Center
1
Mahomet
1
Mattoon
1
Mendon
1
Metamora
1
Niles
1
Rome
1
Round Lake Beach
1
Savoy
1
Shorewood
1
Skokie
1
Smithton
1
Somonauk
1
Sorento
1
Towanda
1
Wadsworth
1
Wheaton
1
Wonder Lake
1
Wood Dale
1
Woodstock
1
Free download · Email gated
Download the Illinois HOA & Condo Compliance Checklist
One PDF — every active Illinois statute we track, statutory fee caps and time limits, recent legal changes from the last 12 months, and the resale-certificate disclosure profile. Built from CommunityPay's living legal corpus, the same data that drives our resale certificates, reserve reports, and CARI scoring.
- Statutory fee caps and time limits (resale, late fees, lien priority)
- Recent law changes with effective dates
- Resale & estoppel disclosure profile, item by item
No spam. CommunityPay uses your email to send the checklist and one follow-up at most.
Data sourced from Illinois Secretary of State public registrations. Legal corpus maintained by CommunityPay's editorial team and traced to primary statute snapshots.
United States Payments and Accounting Governance Infrastructure for Community Associations