How Scores Are
Calculated
Every neighborhood score on StreetScout is generated through an automated research pipeline that collects, weighs, and synthesizes public information about HOA rules, enforcement culture, and property restrictions.
How Data Is Collected
When a zip code is analyzed, our research pipeline performs targeted web searches across public sources to find HOA governing documents, enforcement records, and community discussions specific to that area.
- HOA CC&Rs, bylaws, and community rules hosted online
- Public HOA meeting minutes and board announcements
- Community discussion threads on Nextdoor, Reddit, and HOA-specific forums
- Fine and violation records accessible through public channels
- Property management company websites and rule summaries
All sources are tracked and timestamped. You can view the specific sources used for any scored zip code on that area's page.
What We Measure
Freedom Score (0-100)
A composite score reflecting how restriction-free a neighborhood is for homeowners. Factors include HOA rule strictness, the breadth of what's regulated (paint colors, landscaping, vehicles, pets), fine frequency, and the gap between what rules say and how actively they're enforced. A score of 70+ indicates most homeowners experience few day-to-day restrictions.
Enforcement Activity (0-100)
Measures how actively an HOA enforces its rules and how common neighbor-versus-neighbor complaints are. Calibrated separately from the Freedom Score because an area can have strict rules that nobody enforces (high freedom in practice) or loose rules with an aggressive board (lower freedom in practice).
Pet Rules
Flags whether governing documents contain breed bans, weight limits, pet count caps, or approval requirements. "No breed bans" means no restrictions were detected -- not a guarantee that no restrictions exist in non-public documents.
Parking & Vehicles
Detects restrictions on commercial vehicles, RVs, boats on trailers, and oversized trucks. Useful for remote workers, tradespeople, and outdoor enthusiasts who need to park work or recreational vehicles at home.
Data Quality Tiers
Not all zip codes have equally deep evidence. Every scored page shows which tier it falls into so you know how much confidence to place in the score.
Our highest-confidence tier. Three or more distinct public web sources were found, reviewed, and linked during analysis. The score reflects actual documented conditions in this zip code.
Fewer than 3 tracked sources were found. The AI combined what it found with its training knowledge. The score is a reasonable estimate but carries more uncertainty. A fresh rescan is automatically queued.
This zip code has not been analyzed yet or the previous run returned no usable results. Visiting the page triggers an automatic analysis queue. Community members can add known HOA listings while the analysis is pending.
Freshness and Update Cadence
Neighborhood conditions change. HOA boards get new members, rules get amended, and enforcement cultures shift over time.
- Scores older than 30 days are automatically added to the refresh queue
- A staleness notice appears on pages where data is 14+ days old
- Visiting any zip code page triggers a queued refresh if one is not already pending
- Community-submitted HOA listings and reports supplement AI analysis and are always current
Community Contributions
AI research is supplemented by the StreetScout community. Residents and homebuyers can contribute directly to any zip code page:
- Submit HOA names and links to their public documents
- Share anonymous reports about enforcement culture, pet rules, and parking experiences
- Upvote existing HOA listings to indicate accuracy
Community contributions appear immediately on zip code pages and are visible to all visitors. They are not factored into the numerical Freedom Score, which is based solely on AI research.
Limitations and Disclaimer
StreetScout scores are informational research tools, not legal advice or official HOA records.
- Scores reflect publicly available information only. Private HOA documents not published online are not analyzed.
- Conditions can change after analysis. Always request current CC&Rs and bylaws from the seller or HOA management company before purchasing.
- The same zip code can contain multiple HOAs with very different rules. Scores represent an aggregate estimate for the area.
- StreetScout is not affiliated with any HOA, property management company, or government entity.
- Nothing on StreetScout constitutes legal, real estate, or financial advice.
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