# Nevada HOA Collection Costs: The Fee Limits (2026)

> Under Nevada Revised Statutes 116.310313, an HOA may charge a delinquent owner only reasonable fees to cover the actual cost of collecting a past-due obligation, and the Commission sets the amounts by regulation. The Nevada Administrative Code (NAC 116.470) puts a hard number on it: the fees an association or its collector may charge in connection with a notice of delinquent assessment cannot exceed $1,950 in total, plus certain additional costs the regulation describes. The limit applies whether the association collects the debt itself or uses a community manager, an attorney, or a collection agency. For a buyer, this caps how much a delinquent account can balloon, which matters when an HOA balance has to be cleared at closing.

_Source: https://hoanotes.com/hoa/nevada/collection-costs/ | Last reviewed 2026-06-03_

## What the law limits

Nevada had a reputation for HOA collection fees that grew far past the underlying debt, and Revised Statutes 116.310313 reins that in. The association may charge a delinquent owner only reasonable fees that cover the actual cost of collecting the past-due obligation, and the state Commission sets the permitted amounts by regulation.

The regulation, NAC 116.470, makes the limit concrete. The fees that an association, or anyone collecting on its behalf, may charge in connection with a notice of delinquent assessment cannot exceed $1,950 in total, plus certain additional costs the rule describes, such as recording and title charges. The cap applies the same way whether the association collects the debt itself or hands it to a community manager, an attorney, or a collection agency. Costs that are excessive, or not actually incurred and documented, are not enforceable against the owner.

## Why a buyer should care

Collection costs matter most when there is a delinquent balance on the property you are buying, because that balance, plus fees, has to be cleared at closing. Knowing the fees are capped tells you the number cannot run away, and a collection charge that looks far above the cap is a red flag worth questioning before you close.

## What to check in the disclosure packet

Read these together before you make an offer:

- Any delinquent balance and the collection fees added to it on the property you are buying.
- Whether the collection charges look reasonable and within the NAC 116.470 limit.
- The collection policy for how the association handles delinquency and outside collectors.
- The association's delinquency rate, which signals how often collections come up.

## Why this matters to your offer

A delinquent HOA account ties into both the payoff at closing and, in Nevada, the superpriority lien, so capped and reasonable collection fees are a real protection for the buyer who inherits the balance.

An HOA Notes brief reads the resale package, the collection policy, and the financial statements together, flags collection charges that look out of line, and cites the page behind every finding.

## What the statute says

**Nevada Revised Statutes section 116.310313** (Collection cost limits). Nevada law limits the fees and costs that may be charged to a delinquent unit owner's account during the collection process; attorney fees charged to the owner's account must be reasonable and actually incurred; collection agencies and attorneys may only charge fees that are directly attributable to the delinquent account and authorized by the governing documents; collection costs that are excessive or not properly documented are unenforceable against the owner. The association may charge the delinquent owner for actual attorney fees, trustee fees, and collection costs incurred in pursuing the debt, provided these are reasonable and authorized; it may also charge interest at the rate specified in the governing documents.

## Nevada HOA collection costs: common questions

### Can a Nevada HOA charge unlimited collection fees?

No. Revised Statutes 116.310313 limits collection fees to reasonable amounts, and NAC 116.470 caps the fees tied to a notice of delinquent assessment at $1,950, plus certain additional costs.

### Does the cap apply to a collection agency or attorney?

Yes. The limit applies whether the association collects the debt itself or uses a community manager, an attorney, or a collection agency.

### What collection costs can a Nevada HOA charge?

Reasonable costs actually incurred to collect the debt, such as collection fees, preparing and recording a lien, delivery, title or bankruptcy searches, and postage, within the regulatory cap.

### What if the fees look too high?

Collection costs that are excessive, or not actually incurred and documented, are not enforceable against the owner. A charge well above the cap is worth questioning before closing.

## Sources (verified 2026-06-03)

1. Nevada Revised Statutes section 116.310313 (collection of past due obligation; reasonable fee), Justia. Verified 2026-06-03. https://law.justia.com/codes/nevada/chapter-116/statute-116-310313/
2. Nevada Administrative Code Chapter 116 (NAC 116.470, collection fee limits), Nevada Legislature. Verified 2026-06-03. https://www.leg.state.nv.us/NAC/NAC-116.html
3. Nevada Revised Statutes section 116.310313, Nevada Public Law. Verified 2026-06-03. https://nevada.public.law/statutes/nrs_116.310313

HOA Notes is not a law firm and this is not legal advice.