An HOA is no different than any other form of governing body. It has pros and cons. It's a tool that can either be used properly or abused.
We used to live on acreage in a rural, unincorporated area with no HOA. The various neighbors we lived (survived) through were some of the most atrocious folks around. We had both good and bad neighbors in the 16 years we lived there. Without an HOA, there's no limit to the stupidity of actions at any time, day or night. I'm pro-gun, but we don't want to hear shotguns errantly going off at 11pm on a Tuesday school-night for no reason other than those folks were drunk and stupid. Or the UTV blasting up and down the shared gravel easement; tearing up the driveway by doing donuts and slinging gravel into the grass. Or having parties on weeknights because someone was just fired and they needed to blow off steam, blasting Bocephus throught their crackling walmart speakers in the back of their truck bed. Or their near-ferral dogs running loose, chasing my wife and kids, and getting into our trash. Or burning refuse and asphalt shingles when the wind is blowing towards our house. I could go on and on ...
We moved to a neighborhood with an HOA on purpose. It is NOT an overbearing HOA. Our HOA holds the residents accountable for:
- construction standards of housing, size of barns, etc; helps to keep the home values up
- asthetic and maintenance standards; again - keeps the 'hood from looking like a dump and therefore keeps home values up (no cars on blocks in the yard for example)
- standards of conduct outside the home; keeps noise pollution to a minimum - no loud parties, guns blazing, or ATVs tearing about
Our HOA governing documents are not overwhelming; about 8 pages total for the C&Rs. While that may seem like a lot, consider that the HOA directly next to us has 67 (sixty-seven!) pages of governance. That kind of puts us in a better perspective of "moderate" rules. Our HOA does not micro-manage. Further, our annual dues are only $250, because we're small, and we have no shared ammenities other than the private gravel road we manage cooperatively (we have no clubhouse, no pool, no tennis courts).
Here's the most important thing to understand about living in an HOA ... IT'S A CHOICE! For us, it was the right choice. It won't be the right choice for everyone. IT's OK to be different. It's also OK to conform. If you live in an HOA, the amount of expected conformity will vary with the HOA. NOT ALL HOAs ARE EVIL. Some folks would say that HOAs are stupid or unnecessary. That's easy to say when you've never lived next door to horrible neighbors and had them disrupt nearly every aspect of your life.