Compare · last updated on October 20, 2026

The Best HOA Management Software in 2026, Compared

Pick who you are, then pick a platform, and see it beside Havn feature by feature: the owner side, the office side, reaching owners, closings, and what it costs. Every statement about another company comes from its own site.

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Our pick

For a self-managed board, Havn is the whole office for $1 a home.

  • $1 a home a month with a $59 minimum, everything included, 30 days free, no contract
  • An owner portal owners actually use, with texts, calls, and letters from one inbox
  • Resale documents drafted from the record, free to the association
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Who is choosing

Compare Havn with

Havn vs PayHOA

Same ground, different details: one price per home, lower card fees, fund accounting, reservations today, and resale documents your office drafts from the record.

55 homes, a month

Havn

$59

PayHOA

$109

Card fee on $300 of dues, as published

Havn

$10.05

PayHOA

$11.00

Resale documents

Havn

Built in

PayHOA

Outsourced

For owners

On par on statements, requests, votes, and documents. Havn adds a sign-in for every co-owner, a manager who can open an owner's portal as them, lower card fees, and amenity reservations with rules and deposits.

Owner portal
Everything PayHOA's has, plus a sign-in for every co-owner, and a manager can open any owner's portal as them, audited. PayHOA has no view-as-ownerPay, autopay, account history, documents, requests, violations, a shared calendar
Online payments and autopay
Lower card fees than PayHOA's published 3.5% + 50¢: 3.25% + 30¢. The owner sees the exact fee first, and the association picks who pays, per methodCard or ACH, autopay; cards 3.5% + 50¢, ACH $2.45 per payment, the HOA can pass it on
Amenity reservations
Rules, fees, deposits, approve or decline, documented and live. PayHOA ships an amenities module its site still lists as coming soonAn amenities module inside the product; the public calendar page still lists reservations as coming soon; rules, fees, deposits not stated
Where they match (4)▾
Receipts and statementsSame
On par on statements and reminders. Havn also sends a receipt to everyone on the home the moment a payment landsMonthly statements, payment and past-due reminders, and late-fee emails as per-association switches; account history PDFs in bulk
Requests and work ordersSame
On par: custom forms, approvers, a thread. Havn keeps the thread on the owner's record beside their email and textsCustom forms with statuses, approvers, threads; owners submit from the portal
VotingSame
On par: online and paper ballots, weighted, proxies. Havn weights from the allocated interests on the record and seals ballots until closeOnline or mailed ballots, weighted, proxies, surveys
DocumentsSame
On par on folders and access by role. Havn also reads every file so it is searchable inside, and attaches it to resale ordersFolders shared by person or group, access by role, no storage limit

For the office

On par on the ledger, bank feeds, and bills. Havn adds fund accounting, with operating and reserve on every entry, and a violation ladder per state with cure periods and late-fee rules, which PayHOA's module lacks.

Operating and reserve funds
Operating, reserve, and special assessment on every entry from the first. PayHOA keeps separate bank accounts over one ledgerSeparate operating and reserve bank accounts, but one ledger with no fund on each entry
Violations and notices
A ladder per state with cure periods, the law's steps, and late-fee and lien rules, letters filed as sent. Inside PayHOA, violations carry statuses and fines with no cure period or escalation engineCustom statuses, photos, fines, mailed with tracking; owners reply online; no cure periods or escalation rules
Where they match (3)▾
General ledgerSame
On par on the ledger, cash or accrual, and reports. Havn adds fund accounting, built so a treasurer needs no CPAGL accounting, cash or accrual, 40+ reports
Bank sync and reconciliationSame
On par on feeds and suggested categories. Havn also reconciles to the bank statement, and nothing posts on its ownPlaid feeds daily, auto-matched and categorized
Bills and payablesSame
On par on approvals, vendor pay, and mailed checks. Havn also reads emailed bills into the vendor's recordMulti-step approvals, vendor pay, mailed checks, 1099s

Reaching owners

Both send email, texts, automated calls, and mail. Havn's land in one inbox on the person's record, and the texting number is two-way.

Email
Both send branded email. Havn's lands in one inbox with texts and letters, on the person's record, with saved replies and internal notesBranded emails
Where they match (3)▾
TextsSame
On par on sending. Havn's number is two-way, with consent recorded and replies in the same inbox as emailMass texts
CallsSame
On par: recorded calls to owners who consented. Havn's are one step on the same ladder as letters and textsAutomated calls
Mailed lettersSame
On par on mailing and tracking. Havn files each letter on the person's record and flags returned mail on the rosterUSPS from $1.05 standard, $1.25 first class, tracked

Closings

Your office drafts the resale documents from your record on Havn, with the state's cap and deadline checked. On PayHOA, its staff handle the packets.

Resale documents
Drafted by your office from your record, the state's cap and deadline checked, out the day it is certified. PayHOA's packets are handled by its staff, outside your officeOrdered online by title, agents, lenders; PayHOA staff run it; fee at closing

Buying

Same 30-day trial, no card. Havn is $1 per home with a $59 minimum; PayHOA prices by unit band from $54 to $275.

Published price
$1 per home with a $59 minimum and no tier jumps: 55 homes pay $59, not $109$54 to $275 a month by unit band
Where they match (1)▾
Free trialSame
On par: 30 days, no card. Havn has no contract after it either30 days, no card
  • The site says it has it
  • Part of it, or coming soon
  • Not offered
  • The pages say nothing

Why Havn over PayHOA

8 ahead · 11 on par

  1. 1One price per home, $1 with a $59 minimum, instead of eight unit bands. A 55-home community pays $59 on Havn and $109 on PayHOA's monthly plan; a 210-home community pays $206 against $219.
  2. 2Lower card fees than PayHOA publishes. Havn charges 3.25% plus 30 cents on cards against 3.5% plus 50 cents, and the association picks who covers it on each method.
  3. 3Fund accounting with operating, reserve, and special assessment on every entry. PayHOA keeps separate bank accounts over one ledger with no fund dimension.
  4. 4A manager can open any owner's portal as that owner, every action audited. Inside PayHOA there is no view-as-owner, so you cannot see what an owner sees.
  5. 5Violations on a ladder per state with cure periods, late-fee and lien rules, and letters filed as sent. PayHOA's violations carry statuses and fines without a cure period or escalation engine, and its resale packets are assembled by its staff.
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Every PayHOA statement is from its own pages, last updated on October 19, 2026: payhoa.com/features/management, payhoa.com/features/financial, payhoa.com/features/communications, payhoa.com/pricing

From inside PayHOA

AmLo Management, Havn's first customer, ran seven communities and 251 units on PayHOA before moving to Havn. A 41-screen review of that live account in September 2026 found:

What held up

  • Real accounting depth: a double-entry ledger, bank and ledger balances side by side, budget variance with percentages, report packets, and 1099 filing.
  • A vendor inbox per association. Email the bill in, and one click makes it a payable.
  • Engagement you can see: last login per owner, email opens and undeliverables, and automatic tags for missing emails and owners who never signed in.

Where it fell short

  • No view-as-owner, so a manager cannot see or support what an owner sees.
  • Violations without cure periods, an escalation ladder, or late-fee and lien rules.
  • Separate operating and reserve bank accounts, but one ledger with no fund on each entry.

Every comparison, one page each

Leaving One of Them?

One page per platform for the board or company that has already decided to switch: Havn first, then the other options on that platform's list, in their own words.

About This Comparison

Why does the list change when I switch between a board and a company?

Because the shortlists are different. A self-managed board would not look at the enterprise platforms that sell to companies with thousands of doors, and a management company would not look at the small-board tools without a company edition.

Where do the statements about each company come from?

From that company's own website, read on October 20, 2026. The pages read are listed beside each comparison. A green mark means the site says it has it, amber means part of it or through another product, and grey means the pages say nothing. Reviews, complaints, and ratings are not used.

Why is Havn the pick?

Because it is the one platform on the list that does the owner side and the office side from one record, with resale documents coming from the same record, at a published price with no contract. Beside each comparison is the honest line on when the other platform is the better answer.

For the category comparison without names, see the compare hub.

Try Havn on one community before you move anything.

HOA management software with a homeowner portal owners actually use. Resale documents are included; the requester pays for each one.

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