Texas Reserve Study Requirements (2026)

Texas at a glance

Who must have a reserve study

We found no statewide reserve study requirement in the Texas Uniform Condominium Act (Property Code chapter 82), the older Condominium Act (chapter 81), the Texas Residential Property Owners Protection Act (chapter 209) or chapter 207. (see sources)

Site inspection

We found no statewide rule on this in the statutes listed under Sources.

Structural inspections

We found no statewide rule on this in the statutes listed under Sources.

Reserve funding

We found no reserve funding mandate. A condominium association may adopt budgets for revenues, expenditures and reserves [Prop. Code 82.102(a)(2)]. A condominium association's reserves and the unit owners' working capital contributions may not be used to pay operational expenses until declarant control ends, and a declaration may allow reserve funds to accumulate for an unspecified period [Prop. Code 82.112(a) and (f)]. (see sources)

Disclosure

A condominium resale certificate must state capital expenditures, if any, approved for the next 12 months and the amount of reserves, if any, for capital expenditures [Prop. Code 82.157(a)(4) and (5)]. A developer's condominium information statement must include a budget that states the amount included as a reserve, or that none is included [Prop. Code 82.153(b)(1)]. A subdivision resale certificate must state the amount of reserves, if any, for capital expenditures [Prop. Code 207.003(b)(6)]. (see sources)

Who may prepare the study

We found no statewide rule on this in the statutes listed under Sources.

What this means for boards

• With no statewide mandate confirmed here, check your governing documents and any lender requirements. They can require a study even where the statute does not.
• A current reserve study is still the usual way to show the board planned for major repairs with care.
• Keep the study, the board's funding decision and the reasons for it on record.
• Ask your association's attorney how the rules apply to your community.

What this means for reserve preparers

• Confirm which statute governs the association before you scope the work: condominium, planned community and cooperative acts often differ.
• Match the study level and site visit to what the statute requires.
• Cite the statute in the report so the board can see what the study satisfies.

How ReservePath handles Texas

ReservePath supports full studies, updates with a site visit and updates without one, 30-year funding projections, and study renewal reminders based on the cycle you set for each study. It includes in-app compliance guidance for each state as a starting point. The preparer and the association's attorney remain responsible for confirming what the law requires.

Frequently asked questions

Does Texas require a reserve study?

We found no statewide reserve study requirement in the Texas Uniform Condominium Act (Property Code chapter 82), the older Condominium Act (chapter 81), the Texas Residential Property Owners Protection Act (chapter 209) or chapter 207.

Does Texas require reserves to be funded?

We found no reserve funding mandate. A condominium association may adopt budgets for revenues, expenditures and reserves [Prop. Code 82.102(a)(2)]. A condominium association's reserves and the unit owners' working capital contributions may not be used to pay operational expenses until declarant control ends, and a declaration may allow reserve funds to accumulate for an unspecified period [Prop. Code 82.112(a) and (f)].

What reserve information must be disclosed in Texas?

A condominium resale certificate must state capital expenditures, if any, approved for the next 12 months and the amount of reserves, if any, for capital expenditures [Prop. Code 82.157(a)(4) and (5)]. A developer's condominium information statement must include a budget that states the amount included as a reserve, or that none is included [Prop. Code 82.153(b)(1)]. A subdivision resale certificate must state the amount of reserves, if any, for capital expenditures [Prop. Code 207.003(b)(6)].

Sources

• Tex. Prop. Code 82.102(a)(2), 82.112, 82.153(b), 82.157(a)
• Tex. Prop. Code 207.003(b)
• Tex. Prop. Code ch. 209
• Tex. Prop. Code ch. 81