Free HOA software for small self-managed communities
SpotHOA is free for HOAs up to 50 units, forever. Not a 30-day trial, not a stripped tier: the free plan includes the full ledger, online dues collection, a document vault, meetings, and voting. No credit card to start. Here is exactly what is included, and the honest answer to what the catch is.
What you get free
- Up to 50 active units, free forever (not a 30-day trial)
- Online dues collection via Stripe (card and ACH)
- The full permanent, append-only ledger: every payment, vote, and violation, timestamped
- Document vault for CC&Rs, bylaws, minutes, and financials
- Meetings with minutes, motions, and ranked-choice or weighted voting
- Homeowner communication: community feed, announcements, email digest
- 500 MB document storage and 1,000 emails per month
- Full CSV and PDF export anytime, with no lock-in
The honest catch
How free stays free
Your HOA pays nothing up to 50 units. Two things to know plainly: homeowners pay a small online payment fee at checkout when they pay dues (2% on Free, 1% on Pro), shown as its own line item so it is never a surprise, and HOAs over 50 units move to Pro at $29 a month flat. SpotHOA makes money from Pro and that convenience fee. We never sell your data, and the dues themselves land in your own Stripe account untouched.
Frequently asked
- Is SpotHOA really free?
- Yes. SpotHOA is free for HOAs up to 50 active units, forever, with no credit card required at signup. It is not a 30-day trial and not a stripped-down tier: the free plan includes the full ledger, dues collection, document vault, meetings, and voting.
- What is the catch with free HOA software?
- With SpotHOA, the HOA pays nothing up to 50 units. Two honest things to know: homeowners pay a small online payment fee at checkout when they pay dues by card or ACH (2% on Free, 1% on Pro), shown as its own line item, and HOAs over 50 units move to Pro at $29 a month flat. SpotHOA makes money from Pro and that convenience fee, never by selling your data.
- What is the difference between the free plan and Pro?
- Free covers up to 50 units with 500 MB of storage and 1,000 emails a month. Pro is $29 a month flat, covers up to 100 units with 10 GB of storage and 10,000 emails, adds AI-drafted paperwork and the Texas compliance pack, and lowers the homeowner online payment fee from 2% to 1%.
- Is free HOA software safe to use?
- It can be, if the tool is transparent about security and data ownership. SpotHOA enforces per-HOA data isolation with automated tests, hosts data in the United States, routes dues through your HOA's own Stripe account (the money never touches us), and lets you export everything and delete the account with a 14-day grace period. The full posture is on the trust page.
- What other HOA software is genuinely free?
- Besides SpotHOA, HOA Ally is free for unlimited units (a website, documents, and payments tool), and HOA Express is free up to 50 households (website-focused). See the full comparison for how the free options differ.
Start free in about a minute.
No card, no contract, no demo call. Free up to 50 units, and $29 a month flat covers HOAs up to 100 units when you outgrow it.