If you have been looking for a home in Tucson, you will see most subdivision have an HOA. Not all, but a lot.
Why? Because HOAs save cities money.
Subdivisions are more than houses. They also have street lights, paved streets, retention basins and sometimes parks. Those things cost money that cities don’t have — or don’t want to use.
So municipalities encourage residential developers to take on those costs. To offset their investment, developers create an association. An HOA.
After all the construction, the homeowners take responsibility for future maintenance. They pay dues to the HOA that pay operating costs and fund reserves.