What 2023–2025 Trends Mean for South Carolina Buyers & Sellers

HOA Home Sales are no longer a niche segment of the real estate market—they are becoming the norm. From 2023 through 2025, a growing share of homes sold in the United States, and especially in South Carolina, are part of homeowners associations (HOAs). This shift is reshaping affordability, foreclosure risk, and buying strategies for today’s homeowners.

At RMF Realty Team, we specialize in helping buyers and sellers understand the full picture behind a property—not just the price tag. Here’s what you need to know about the rise of HOA Home Sales, HOA foreclosures, and lis pendens notices in South Carolina.

The Rise of HOA Home Sales Nationwide (2023–2025)

Between 2023 and 2025, the percentage of U.S. homes listed for sale with HOA fees steadily increased:

  • 2023: Just over 39% of listings included HOA fees

  • 2024: HOA homes crossed the 40% threshold

  • 2025: More than 43% of U.S. homes for sale were part of an HOA

Why the increase?

✔️ New construction drives the trend
Most new subdivisions are built with mandatory HOAs. As these homes enter the resale market, HOA Home Sales naturally increase year over year.

✔️ Planned communities are expanding
Builders favor HOAs to manage shared amenities, infrastructure, and long-term maintenance—costs that are passed to homeowners.

✔️ Fees are rising
Median monthly HOA fees rose from approximately $110 in 2023 to $135 by 2025, increasing the true cost of homeownership.

HOA Home Sales in South Carolina: A Market of Extremes

South Carolina reflects the national trend—but with dramatic regional differences.

  • Over one-third of South Carolina homeowners pay HOA or condo association fees.

  • Coastal and resort markets (like Myrtle Beach) have very high HOA concentrations, often exceeding 80% of listings.

  • Inland metros and older neighborhoods may show lower HOA participation—but new developments are rapidly changing that balance.

For buyers relocating or upgrading homes, HOA Home Sales are becoming harder to avoid, especially in newer subdivisions.

HOA Foreclosures & Lis Pendens: The Hidden Risk

One of the most misunderstood aspects of HOA Home Sales is HOA foreclosure risk.

What Is a Lis Pendens?

A lis pendens is a public legal notice indicating that a property is involved in a lawsuit affecting ownership—most commonly foreclosure. In South Carolina, foreclosure is a judicial process, meaning court filings (including lis pendens) are part of the public record.

Why HOAs Matter in Foreclosure

In South Carolina, unpaid HOA dues can:

  • Become a legal lien against the property

  • Trigger foreclosure action by the HOA

  • Proceed even if the homeowner is current on their mortgage

This is critical: HOA foreclosures are often separate from mortgage foreclosures.

South Carolina Foreclosure Trends (2023–2025)

South Carolina consistently ranks among the highest foreclosure-rate states in the U.S.:

  • 2024: 1 foreclosure filing for every 304 housing units

  • 2025: Increased to 1 filing for every 242 housing units

Lis pendens notices are commonly filed in these cases, signaling legal action long before a foreclosure sale occurs.

Many of these filings involve:

  • HOA assessment delinquencies

  • Condo associations

  • Property owners associations (POAs)

For sellers, this can delay or derail a sale. For buyers, it can create title issues, unexpected liens, and financing challenges.

What This Means for Buyers & Sellers

Buyers

✔️ HOA fees affect debt-to-income ratios
✔️ HOA liens can survive mortgage payoff
✔️ Rules and restrictions impact resale value

Sellers

✔️ Outstanding HOA balances must be resolved before closing
✔️ Lis pendens filings can cloud title
✔️ HOA disputes can reduce buyer confidence

Why RMF Realty Team Matters in HOA Home Sales

HOA Home Sales require expert-level due diligence—especially in South Carolina’s judicial foreclosure environment.

At RMF Realty Team, we:

  • Identify HOA liens early

  • Navigate lis pendens and foreclosure risks

  • Protect buyers from hidden association debt

  • Help sellers resolve HOA issues before listing

Whether you’re buying, selling, facing foreclosure, or navigating an HOA dispute, you don’t have to do it alone.

Ready to Talk?

📞 Contact RMF Realty Team today to review your HOA obligations, foreclosure risks, or home sale strategy—before surprises cost you time or money.

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