Texas does not require one, but buyers and condo lenders read your reserves. We put your board in touch with a provider near you.
To the board,
No Texas statute makes your association commission a reserve study, and no agency will check.
Your pool, roofs, masonry walls and private streets will wear out anyway, on their own schedule rather than the budget’s. A study puts a year and a price on each of them, then sets the yearly contribution that pays for them.
Sincerely,Texas HOA Reserve Study
Pick the kind of association you run.
| Item | Where Texas stands | Source |
|---|---|---|
| A reserve study | Not requiredChapter 209 sets no duty to commission or update one. | Ch. 209 |
| A minimum reserve balance | Not requiredNo funding level. The amount is the board’s call. | CAI 2026 summary |
| Reserve figures at resale | RequiredThe resale certificate shows reserves for capital expenditures. | § 207.003 |
| Books and records | Owners can askAn owner can ask in writing to inspect them, a study included. | § 209.005 |
| Keeping financial records | RequiredFinancial records are kept for seven years. | § 209.005 |
| Item | Where Texas stands | Source |
|---|---|---|
| A reserve study | Not requiredChapter 82 allows reserve budgets but requires no study. | § 82.102 |
| A minimum reserve balance | Not requiredNo statutory percentage. Condo lenders apply their own test. | CAI 2026 summary |
| Reserve figures at resale | RequiredThe certificate states reserves, and any part set aside for named projects. | § 82.157 |
| Books and records | Owners can askUnit owners can examine them. Confirm the procedure with the association’s attorney. | § 82.114 |
| Budgeting for reserves | Board powerReserve budgets are among the association’s listed powers. | § 82.102 |
General information, not legal advice. The full Texas Property Code guide
ZIP code, homes and last study date. About two minutes.
Within a business day we name the provider for your area. You decide.
Scope, fee and timing in writing. The board signs, or doesn’t.
Local notes for Houston, Dallas-Fort Worth and Austin. Answers in the Board FAQ; detail on how it goes.
Three short steps. Tell us where the community is, what kind of study you need and who to reply to.
This free service is run by a matching company, not a reserve study provider. We tell you which provider covers your community before anyone contacts you, and your details go to them only with your yes.
Expect a phone call or an email from us within one business day naming the reserve study provider we suggest for your part of Texas. Your details stay with us until you tell us to go ahead; say no and the request ends there. No newsletters, no mailing lists.