Your share vs the rest of the community
How your portion compares to everyone else's combined.
Home / US Calculators / HOA Special Assessment
Homeowners
HOA Special Assessment Calculator
Got a special assessment notice? Estimate your share by percentage ownership or unit square footage, and see what it looks like spread across a monthly payment plan.
Your share of the assessment
Your percentage of total—
Monthly payment—
Average per unit—
Community pays (all owners)—
Special assessment, defined
A special assessment is a one-time charge an HOA or condo association levies on owners to fund a large, unbudgeted cost, a roof replacement, structural repair, or reserve shortfall. Unlike regular dues, it's tied to a specific project. Your share is set by your governing documents, most commonly by your percentage of ownership or your unit's square footage relative to the whole community.
The formula
by percentage: your share = total × your ownership%
by square footage: your share = total × (your sq ft ÷ community sq ft)
monthly payment = your share ÷ number of months
by square footage: your share = total × (your sq ft ÷ community sq ft)
monthly payment = your share ÷ number of months
Worked example
On a $500,000 roof assessment, an owner with a 1.25% interest owes 500,000 × 0.0125 = $6,250. Spread over a 12-month plan that's about $521 per month. If instead allocated by square footage, a 1,200 sq ft unit in a 96,000 sq ft community owes 500,000 × (1,200 ÷ 96,000) = $6,250 as well.
Frequently asked questions
What is an HOA special assessment?
A one-time charge for a large, unbudgeted expense beyond regular dues.
How is my share calculated?
By your ownership percentage or your unit's square footage, per your CC&Rs.
Can it be paid monthly?
Often yes, many boards offer a payment plan over months or years.
Is square-footage allocation fair?
It charges larger units more; the correct method is whatever your documents specify.
Does this replace my official notice?
No, your association's notice controls the actual amount.