Reserve Study Companies in Mississippi
Compare vetted reserve study firms for Mississippi HOAs and condominiums, then request multiple proposals with one simple request.
Reserve study companies for Mississippi HOAs and condos
Even without a state law that mandates reserve studies, Mississippi boards still need a clear plan for roofs, paving, exteriors and amenities. Through our marketplace, you can connect with reserve study companies that already understand Mississippi’s climate, building types and budget realities for small and mid sized communities.
- Through PropFusion, you can connect with reserve study companies that already work with:
- Condo and townhome associations
- Single family HOAs
- Master planned communities
- Mixed use properties
- Coastal resorts and smaller associations
Mississippi reserve fund rules in plain language
Mississippi does not currently require HOAs or condo associations to perform a reserve study or fund reserves by statute, but many communities still order studies as a best practice and may be obligated by their governing documents. For citations and details, see the full Mississippi reserve study law guide.
Are reserve studies required in Mississippi?
No. Mississippi has no statewide requirement for HOAs or condo associations to perform reserve studies or maintain a minimum reserve balance. Your declaration or bylaws may still require a study, and lenders often expect one even when the law does not.
How often do Mississippi boards update their reserve study?
Most proactive boards in non mandated states aim for a full study every 5 years with lighter financial updates in between. That schedule keeps costs realistic as prices, interest rates and project scopes change.
If there is no law, why should our board order a reserve study?
Because without one, you are guessing. A reserve study gives you a 20 to 30 year plan for big ticket items so you can smooth dues, avoid last minute special assessments, and show owners and lenders that the association is being run responsibly.
Do we need a firm physically located in Mississippi?
Not necessarily, but you do want a provider that regularly works in Mississippi or nearby and prices projects based on regional construction costs, not national averages. Our marketplace prioritizes firms that already serve Mississippi communities.
Types of reserve studies Mississippi companies provide
Level 1 – Full reserve study
A complete physical and financial analysis: on-site inspection, component inventory, remaining useful life, and a 20–30 year funding plan.
Level 2 – Update with site visit
A refresh of your existing reserve study with a new inspection, updated costs, and revised funding recommendations.
Level 3 – Update without site visit
A financial update that uses your prior study and updated financial data to adjust funding paths between full site inspections.
Special-purpose studies
Targeted reviews of specific components or clusters, such as roofs, paving, pools or coastal exposures, plus focused funding checkups when the board wants to test different dues and special assessment scenarios before making decisions.
Mississippi coverage - from North Mississippi to the Gulf Coast
You do not need to hunt for a local vendor city by city. Our network includes reserve study companies that serve communities across Mississippi, from larger metros to smaller associations.
- Typical areas covered include:
- Jackson and Central Mississippi: Jackson, Madison, Ridgeland, Clinton
- Gulf Coast communities: Biloxi, Gulfport, Ocean Springs, Pascagoula
- North Mississippi: Oxford, Tupelo, Southaven, Olive Branch
- Pine Belt and Delta: Hattiesburg, Meridian, Greenville and surrounding towns
When Mississippi associations typically hire a reserve study company
Even without a legal deadline, most Mississippi boards bring in a reserve study firm at key turning points in the life of the community.
Aging roofs, pavement and buildings
Roofs, parking lots and siding are nearing the end of their useful life, and the board wants a clear schedule and cost plan instead of guessing when failures will hit.
Before a major special assessment or bank loan
The association is considering a large project or bank loan and needs a professional study to justify the scope, timing and contribution levels to owners and lenders.
New board inherits a weak reserve fund
A fresh board steps in, sees reserves are low, and wants an objective report that explains what is underfunded and how quickly contributions need to change.
Developer turnover to owner control
Control is shifting from the developer to owners, and the new board wants an independent review so they understand long term obligations, not just the sales pitch.
When lenders, insurers or buyers ask for documentation
A buyer’s lender, an insurance carrier or a prospective purchaser requests documentation on long term capital planning, and the board needs a current reserve study to provide.
What a Mississippi reserve study company delivers
Most providers in our marketplace follow national reserve study standards. In practice, that means you can expect:
On-site inspection of major components
Visual review of roofs, waterproofing, structure, exterior finishes, pavement, mechanical systems, amenities, and other shared components.
Component inventory & useful life estimates
A detailed list of common-area components, quantities, remaining useful life, and estimated replacement/repair costs.
30-year funding plan
Year-by-year projections showing recommended reserve contributions, projected expenses, and forecast reserve balances, so you can see the impact of different dues levels over time.
Scenario comparisons
Many providers show alternative funding strategies so boards can choose the path that fits owner expectations and risk tolerance.
Board-ready PDF report
A report that can be attached to budgets, resale certificates, and owner communications, and that will stand up to questions from lenders, auditors, and regulators.
Online reserve planning workspace
Alongside the PDF report, your reserve study is loaded into an online dashboard where your board can test what-if funding scenarios, see upcoming investment opportunities, and manage capital projects over time.
Compare multiple reserve study companies in Mississippi with one request
Share your community details
Tell us about your association’s location, property type, number of units, and any upcoming projects or concerns.
We match you with vetted firms
We route your request to reserve study companies that actively work in your state and fit your size and building type.
Compare proposals side by side
You receive multiple proposals outlining scope, pricing, and timelines so you can compare options without chasing firms yourself.
Hire your preferred provider
You choose the company you want to work with. They perform the study and deliver the report. You keep full ownership of the results and can use them with any budgeting tools or processes you prefer.
What Mississippi boards say
"Our reserves were a guess before. Through the marketplace we found an engineer who explained every line item and built a 30 year plan. Now our Mississippi owners finally see where their dues are going."
"Three strong Mississippi proposals from one request. Our board compared scope and price in a single evening and picked the clear winner."
Mississippi HOAs and condos have requested proposals through our marketplace.
vetted reserve study professionals covering communities across Mississippi.
"In a week we had multiple bids from firms that know Mississippi HOAs. It saved us days of cold calls and back and forth."
"We are a small coastal condo and worried no one would take us seriously. The platform brought in several Mississippi focused proposals, all detailed and transparent, so our board could choose based on value instead of guesswork."
Frequently asked questions
What does a reserve study typically cost in Mississippi?
Pricing depends on size and complexity. Small communities might see proposals in the low thousands for a full study, while larger or more complex properties pay more. The simplest way to know if a quote is fair is to compare multiple proposals for the same scope.
Does our reserve study have to be done by an engineer?
Not always, but your provider should have strong technical and financial expertise and follow national reserve study standards. Many Mississippi boards prefer firms led by engineers or construction professionals, especially for older or more complex properties.
We are a small association. Is a reserve study really worth it?
Yes. Smaller HOAs and condos are often hit hardest by surprise projects because they have fewer units to share costs. A basic reserve study can prevent one unexpected roof or paving project from becoming a financial crisis.
What information does our board need to provide before the study?
You will typically share governing documents, recent financial statements, prior reserve studies, maintenance histories and any plans for major changes, such as expansions or amenities.
How does PropFusion charge Mississippi communities for this service?
PropFusion does not charge associations to request proposals through the marketplace. You only pay the reserve study firm you select, under the pricing and scope you agree to in their proposal.
Get proposals from reserve study companies in Mississippi
If your board is planning big projects, worried about reserves, or simply wants a clear long-term funding plan, this is the time to bring in a professional reserve study company.
