Reserve study law differs from state to state. Some states require a study on a set schedule, some only for certain associations, and many leave it to the governing documents. This page lists each state once its research has been verified against the text of the statute, with links to the source.
| State | Reserve study required? | How often | Last verified | Details |
|---|---|---|---|---|
| Alabama | No statewide requirement found | - | Oct 12, 2026 | Details |
| Alaska | No statewide requirement found | - | Oct 12, 2026 | Details |
| Arizona | No statewide requirement found | - | Oct 12, 2026 | Details |
| Arkansas | No statewide requirement found | - | Oct 12, 2026 | Details |
| California | Yes | Every 3 years | Oct 12, 2026 | Details |
| Colorado | For some associations | - | Oct 12, 2026 | Details |
| Connecticut | No statewide requirement found | - | Oct 12, 2026 | Details |
| Delaware | For some associations | Every 5 years | Oct 12, 2026 | Details |
| District of Columbia | No statewide requirement found | - | Oct 12, 2026 | Details |
| Florida | For some associations | Every 10 years | Oct 12, 2026 | Details |
| Georgia | No statewide requirement found | - | Oct 12, 2026 | Details |
| Hawaii | Yes | - | Oct 12, 2026 | Details |
| Idaho | No statewide requirement found | - | Oct 12, 2026 | Details |
| Illinois | No statewide requirement found | - | Oct 12, 2026 | Details |
| Indiana | No statewide requirement found | - | Oct 12, 2026 | Details |
| Iowa | No statewide requirement found | - | Oct 12, 2026 | Details |
| Kansas | No statewide requirement found | - | Oct 12, 2026 | Details |
| Kentucky | No statewide requirement found | - | Oct 12, 2026 | Details |
| Louisiana | No statewide requirement found | - | Oct 12, 2026 | Details |
| Maine | No statewide requirement found | - | Oct 12, 2026 | Details |
| Maryland | Yes | Every 5 years | Oct 12, 2026 | Details |
| Massachusetts | No statewide requirement found | - | Oct 12, 2026 | Details |
| Michigan | No statewide requirement found | - | Oct 12, 2026 | Details |
| Minnesota | No statewide requirement found | - | Oct 12, 2026 | Details |
| Mississippi | No statewide requirement found | - | Oct 12, 2026 | Details |
| Missouri | No statewide requirement found | - | Oct 12, 2026 | Details |
| Montana | No statewide requirement found | - | Oct 12, 2026 | Details |
| Nebraska | For some associations | - | Oct 12, 2026 | Details |
| Nevada | Yes | Every 5 years | Oct 12, 2026 | Details |
| New Hampshire | No statewide requirement found | - | Oct 12, 2026 | Details |
| New Jersey | Yes | Every 5 years | Oct 12, 2026 | Details |
| New Mexico | No statewide requirement found | - | Oct 12, 2026 | Details |
| New York | No statewide requirement found | - | Oct 12, 2026 | Details |
| North Carolina | No statewide requirement found | - | Oct 12, 2026 | Details |
| North Dakota | No statewide requirement found | - | Oct 12, 2026 | Details |
| Ohio | No statewide requirement found | - | Oct 12, 2026 | Details |
| Oklahoma | No statewide requirement found | - | Oct 12, 2026 | Details |
| Oregon | For some associations | Every year | Oct 12, 2026 | Details |
| Pennsylvania | No statewide requirement found | - | Oct 12, 2026 | Details |
| Rhode Island | No statewide requirement found | - | Oct 12, 2026 | Details |
| South Carolina | No statewide requirement found | - | Oct 12, 2026 | Details |
| South Dakota | No statewide requirement found | - | Oct 12, 2026 | Details |
| Tennessee | For some associations | Every 5 years | Oct 12, 2026 | Details |
| Texas | No statewide requirement found | - | Oct 12, 2026 | Details |
| Utah | Yes | Every 6 years | Oct 12, 2026 | Details |
| Vermont | No statewide requirement found | - | Oct 12, 2026 | Details |
| Virginia | Yes | Every 5 years | Oct 12, 2026 | Details |
| Washington | Yes | Every year | Oct 12, 2026 | Details |
| West Virginia | No statewide requirement found | - | Oct 12, 2026 | Details |
| Wisconsin | No statewide requirement found | - | Oct 12, 2026 | Details |
| Wyoming | No statewide requirement found | - | Oct 12, 2026 | Details |
It depends on the state and on the type of association. Some states require a reserve study on a set schedule, some require it only for certain buildings or association types, and many have no statewide requirement. Governing documents and lenders can require one even where the law does not.
We publish a state only after its research has been checked a second time against the text of the statute and signed off. Where a detail could not be confirmed, the page says so instead of guessing, and a state whose main answer could not be confirmed is not listed.
No. This is general information. Laws change, and how they apply depends on your association. Confirm requirements with your association's attorney.
A reserve study is still the standard way to plan for major repairs and replacements. Boards have a duty to manage the association's finances with care, and a current study is the usual evidence that they did.
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