I would challenge your fundamental assertion that HOAs are becoming more “popular”.
While they may be more *common*, that doesn’t necessarily translate to popularity.
Homes are generally built by a developer that’s building an entire neighborhood. Many development codes require such neighborhoods to have a certain number of shared amenities based on the number of housing units, like a pool, a playground, a security gate, a park, pickleball courts, provided exterior maintenance, and so on. But these amenities require ongoing maintenance and upkeep (and insurance), and someone not only has to actually perform that upkeep, which costs money. This is where the developer creates a HOA, and there are then covenants and restrictions placed upon the deed to each property that levies a monthly or yearly fee for this. Cities love HOAs because they can unload otherwise normal city functions like street maintenance, trash pickup, clearing snow, code enforcement, security patrols, and so on to these private organizations.
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