If you live in a community with a homeowners association (HOA) in San Jose or anywhere in Santa Clara County, CA, you’re not alone. HOAs are common across the region and play a major role in how properties are maintained—especially when it comes to exterior remodeling. The good news? Remodeling is definitely possible. But you’ll need to understand your HOA’s rules and plan ahead to avoid hiccups.
What to Know About HOA and Exterior Remodels
HOAs are designed to maintain neighborhood quality, and that often means regulating how homes look from the outside. That includes everything from paint colors and roofing materials to landscaping, fences, and even window styles.
On average, homeowners in the San Jose–Sunnyvale–Santa Clara metro area pay $370 per month in HOA fees. That investment supports community upkeep—but also means homeowners are subject to HOA approval before making major exterior changes.
So when you ask, “Can you remodel a house with an HOA?” or “Does the HOA cover the exterior?” — the answer is, it depends on your specific community’s CC&Rs (Covenants, Conditions & Restrictions). These documents govern what’s allowed and what’s not.
Steps to Take Before Starting an Exterior Remodel
1. Check the CC&Rs and Design Guidelines
Before planning anything, review your HOA’s CC&Rs. These will tell you:
- What exterior changes are allowed
- What materials, colors, or styles are prohibited
- Whether certain remodels (like new siding or roofing) require specific materials or finishes
Some HOAs in Santa Clara County even regulate things like drought-tolerant landscaping or the size of exterior additions.
2. Prepare an Architectural Review Application
Most HOAs require you to submit an application to an Architectural Review Committee (ARC). This usually includes:
- Detailed project plans or drawings
- Material and color samples
- Timelines and contractor information
It’s smart to give yourself plenty of lead time here. Review processes typically take anywhere from two to six weeks depending on the complexity of your project and the HOA’s schedule.
3. Understand Local Permitting Requirements
Even with HOA approval, you may also need a city or county building permit. For example:
- Exterior work that changes your home’s footprint or structure (like additions or decks) typically requires a building permit from your local planning department.
- The City of Santa Clara provides specific guidance on what projects need review and what can be fast-tracked.
- For homeowners in unincorporated Santa Clara County, permit applications are handled through the County Planning & Development Office.
Pro tip: HOA approval doesn’t guarantee city or county permit approval—so be sure both boxes are checked.
Tips for Navigating HOA and Permitting with Ease
Start Early: Reach out to your HOA board or property manager before hiring contractors or finalizing plans.
Be Detailed: Incomplete applications are the #1 cause of approval delays. Provide as much information as possible upfront.
Communicate with Neighbors: Some HOAs require neighbor notifications for certain remodels. Keeping your neighbors in the loop may also help avoid disputes.
Hire Experienced Pros: Contractors who’ve worked in HOA communities understand the approval process and can help provide the documentation your board will expect.
What Happens If You Skip the Process?
Skipping HOA approval can lead to serious consequences. You might face:
- Fines or penalties
- Legal action
- Requirements to undo or remove unapproved work—at your own cost
In some cases, an exterior remodel done without HOA approval has led to homeowners having to repaint entire homes or remove new structures like decks or fences.
Remodeling the exterior of your home in an HOA community is absolutely doable—and can be a great way to boost your home’s value and curb appeal. But in places like San Jose and Santa Clara County, where community standards are high and regulations are strict, it pays to do your homework.
Need help planning your exterior remodel in San Jose or the greater Santa Clara area?
Our team can help you understand your HOA’s rules and file the right applications. Our experienced team of professionals can move forward with confidence and avoid unnecessary headaches. We’re experts at navigating HOAs, building permits, and design-build remodeling. Contact us today to schedule a consultation.
