Missouri Community Association Laws
Condos (Ch. 448), Co-ops (Ch. 357), Manufactured Housing (Ch. 700, PSC rules), corporate acts (Ch. 355), real estate licensing (MREC). Reference hub
Missouri takes a light-touch approach. Condominiums have a modernized framework under Chapter 448, but homeowners’ associations rely mostly on nonprofit corporate law and their declarations—there’s no umbrella HOA act. The state protects some owner rights (political signs and solar), and channels construction-defect disputes through “right to repair” notice steps. Manufactured housing is the outlier: the Public Service Commission licenses installers and enforces technical rules. Net effect: fewer state procedures than Florida or Nevada, but boards still need sound bylaws and clean records to keep decisions durable.
At a glance
- HOAs: No single HOA act; rely on Nonprofit Corp. Act (Ch. 355), declarations, and specific laws like political signs/solar (442.404).
- Condominiums: Chapter 448 (older Condo Property Act + Uniform Condominium Act).
- Cooperatives: Chapter 357 (includes housing cooperatives).
- Manufactured Housing: Chapter 700 with PSC rules for installers and consumer complaints.
- Corporate form: Most associations are Missouri nonprofits under Ch. 355.
- CAMs: No dedicated CAM license; real-estate licensing applies if activities cross into brokerage (MREC).
Primary Statutes
Homeowners’ Associations — General (no single act)
HOAs are typically Missouri nonprofit corporations governed by their declaration/bylaws and Chapter 355; certain owner rights are in Chapter 442 (e.g., political signs/solar).
Ch. 355 — Member meetings/voting (range) ·
§442.404 — Political signs; HOA limits ·
§436.350 — “Right to repair” (construction defects)
Condominiums — Chapter 448
Missouri’s condo law includes the older Condominium Property Act and the Uniform Condominium Act (UCA).
Ch. 448.005–.210 — Condominium Property Act ·
Ch. 448.1-101–4-120 — UCA
Cooperatives — Chapter 357
Framework for cooperative companies; includes “housing cooperative” definition and limits.
Ch. 357 — Cooperative Companies ·
§357.015 — Housing cooperative
Manufactured Housing (Parks & Installers) — Chapter 700
Dealer/manufacturer registration, consumer remedies, and installation licensing; PSC is the state administrator.
§§700.650–.692 — Manufactured Home Installation Act ·
§700.090 — Dealer/manufacturer registration fees ·
§700.600 — Park sale/change of use notices
Corporate Acts — Chapter 355 (Nonprofit)
Entity law for Missouri nonprofit corporations (formation, records, meetings, member rights).
Records & inspection (355.821–.841) ·
Board meetings & actions (355.316–.501)
Popular Sections (direct links @ Missouri Revisor)
HOA / Nonprofit (Ch. 355) + Related
- 355.821 — Corporate records (permanent minutes, accounting)
- 355.826 — Member’s inspection of records
- 355.231 — Annual/regular member meetings
- 355.251 — Notice of meeting (members)
- 355.266 — Action by written ballot
- 355.376 — Regular & special board meetings
- 442.404 — Political signs; HOA limits (owner rights)
- 436.350 — Construction defects (“right to repair” definitions)
Condominium (Ch. 448)
Co-op (Ch. 357)
Administrative Rules (Missouri Code of State Regulations)
Missouri does not have condo/HOA-specific administrative rules. Manufactured housing is regulated by the Public Service Commission (PSC) under these CSR chapters.
Condo & HOA
- No association-specific CSR rules. Follow statutes (Ch. 355, 448) and local ordinances.
Manufactured Housing (PSC)
Community Association Managers — Licensing
Is a CAM license required?
- No dedicated “CAM” license in Missouri.
- Activities that constitute real-estate brokerage or property management (e.g., leasing, rent collection for others) require a Missouri real-estate license under the Missouri Real Estate Commission (MREC).
Manufactured Housing Installers
- Installers must be licensed by the PSC under the Manufactured Home Installation Act.
- Rules cover training, responsibilities, and consumer dispute processes.
Governing Documents & Overlays
- Governing documents: Articles, recorded plats, Declaration/CC&Rs, Bylaws, Board Rules/Resolutions.
- Federal overlays: Fair Housing Act, FDCPA (collections), FCC OTARD (antennas), etc.
- State/local overlays: Chapter 355 corporate requirements; local building/zoning; PSC rules for manufactured housing.
- Conflicts: Statutes control over conflicting documents; consult counsel for interpretation.
State Contacts
Missouri Public Service Commission — Manufactured Housing
- Hotline: 1-800-819-3180
- Mail: 200 Madison St., PO Box 360, Jefferson City, MO 65102
- Complaints/Inspections: Submit request
Attorney General — Consumer Protection
- Hotline: 1-800-392-8222
- File a complaint: Online form
- Info: Consumer Division
Secretary of State — Corporations (Nonprofit filings)
Missouri Real Estate Commission (MREC)
Disclaimer
This page is a general reference and not legal advice. Laws and rules change; always verify the current text on the official linked sites and consult qualified counsel for your situation.
Last updated: September 10, 2025