Comprehensive Reserve Studies for HOAs in Maryland
Ensure your Maryland HOA's financial health with essential reserve studies. PropFusion simplifies planning for major repairs and avoids unexpected assessments.


Serving the entire state of Maryland
Maryland HOA Reserve Fund Requirements (2025 Guide)
Maryland’s recent legislation, outlined in Chapter 664 (HB 107), establishes reserve study requirements for condominiums and homeowners’ associations (HOAs). These laws aim to improve financial planning and ensure the structural integrity of common areas. This guide provides an overview of Maryland’s reserve study laws, the benefits of compliance, and practical steps for associations to meet their obligations.
Are reserve studies required in --?
Yes, Maryland law mandates that all condominium and homeowner associations (HOAs) conduct a reserve study. Only those associations responsible for common areas with a total initial purchase and installation cost under $10,000 are exempt from these requirements.
-- reserve study update frequency
Maryland mandates that reserve studies be conducted every five years. The initial reserve study must be completed by October 1, 2025, for associations already in existence as of October 1, 2024. Newly established associations must complete their initial reserve study within one year of the association's creation.
PropFusion connects you with a vetted network of Reserve Study experts across Florida, ensuring best industry standards.

Understanding Reserve Studies for Maryland HOAs
Reserve studies are essential for maintaining the financial health of HOAs in Maryland, ensuring your community is prepared for major repairs without unexpected assessments. PropFusion simplifies the process, helping Maryland associations plan effectively.
How it works
Fill in Your Details & Request Proposals
Enter your association's information and instantly request proposals.

Receive Proposals & Order Your Study
Get multiple proposals from top Professionals and select the best fit.

Receive & Explore Your Reserve Study Online
View your online study, create scenarios, and generate reports.

Our Trusted Network of Reserve Study Professionals
PropFusion connects you with a vetted network of Reserve Study experts across the state, ensuring top industry standards in expertise, compliance, and reliability. Whether updating or starting a reserve study, our network supports your community’s unique needs.
- Certified Expertise: All professionals in our network are fully certified and bring years of experience to ensure accuracy and compliance.
- Reliable Proposals: Receive competitive proposals tailored to your association’s requirements, ensuring you get the best value.
- Ongoing Support: Our professionals don’t just deliver a report—they offer ongoing insights to help you make informed decisions.

Reserve Studies Are No Longer a Hassle
PropFusion took the hassle out of reserve studies. Their expert gave us a detailed report, and the platform keeps everything simple and organized.

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Frequently Asked Questions
Who is required to conduct reserve studies in Maryland?
The law applies to condominiums with annual assessments exceeding $120,000 and HOAs with more than 50 homes.
What happens if an association doesn’t comply?
Failure to comply may lead to financial instability and legal challenges, putting the association at risk of underfunding necessary repairs.
How often should reserve studies be updated?
Reserve studies must be updated every five years to reflect current conditions and funding needs.
Are associations required to fully fund reserves?
Maryland law requires associations to adopt funding plans based on reserve study findings, but the specific funding levels are determined by the association.
How can PropFusion help with reserve study compliance?
PropFusion offers tools for managing reserve studies, including connecting with certified professionals, tracking updates, and automating financial planning.
Take Control of Your Association’s Future
