St. George HOA reserve study

Washington County (189,432 in 2021) has grown from a retirement and winter destination into one of the busiest HOA markets in the West, with resort communities, golf associations and new townhomes.

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The rule in St. George

Associations in Washington County follow the same state rules as everywhere else in Utah. The board must have a reserve analysis done at least every six years and review it, updating it if needed, at least every three. Owners get a summary every year and a full copy on request. HOAs are covered by 57-8a-211 and condominiums by 57-8-7.5.

County population, 2021: 189,432. Utah Lieutenant Governor’s Office.

Sun and heat as components’ enemy

Long, hot summers shorten the life of roof coatings, paint, pool plaster, pool equipment and irrigation. Analysts who work southern Utah usually set shorter lives for these components than they would on the Wasatch Front, which shows up in the recommended contribution.

Travel and timing

Most Utah reserve firms are based along the Wasatch Front, a four- to five-hour drive north. Some include St. George at no extra charge; others add travel. Ask before you compare quotes, and consider booking outside the autumn budget rush.

Finding a firm that works here

Our list of firms working in Utah shows which say they cover the state. Or send us the community's ZIP code: we choose one firm that prepares reserve studies in Washington County, tell you its name, and pass on your request only if you say yes.

Questions from St. George boards

Are there reserve firms based in St. George?

A few firms work regularly in southern Utah and some Nevada-based firms cover it too. We check that the firm we name works in Washington County.

Does a golf or resort association follow the same rule?

If it is an HOA or condominium under Utah law, yes: an analysis at least every six years and a review at least every three, unless the governing documents say otherwise.