Overview

hoa.to is HOA and condo management software for communities that need resident payments and service requests alongside board administration. It is best suited to self-managed associations and management companies in the United States and Canada that want mobile access and integration options. Its broad feature set is appealing, but preview pricing, a $29 monthly minimum on the entry plan, and pass-through card fees belong in the budget calculation.

Key features

Residents can pay one-time or recurring dues, submit and track requests, vote, and reach community documents and updates through web and mobile portals. Automating dues, late fees, reconciliations, and reporting can reduce routine administration; the value is strongest where a community wants payments and resident service in the same system.

Operations cover maintenance, violations, architectural requests, document storage with e-signatures, amenity reservations, and community communications. Boards also get online voting, AI-drafted minutes, transparent finances, and an audit trail of decisions. This combination reaches beyond a payment portal, though communities needing only basic announcements may not need its wider scope.

For teams connecting existing systems, hoa.to provides a REST API, webhooks, OAuth 2.0, a sandbox, and a Zapier connector. Documented API coverage includes owners, payments, unit ledgers, requests, violations, documents, meetings, and webhook registration. Security measures described include encryption, role-based access, auditability, operational safeguards, and HMAC-SHA256-signed webhook payloads.

Migration support can import units, owners, balances, documents, assessment schedules, and vendor lists, along with exportable violation and architectural records; totals are reconciled before launch. That scope can ease a move from an existing system. The homepage also describes implementation guidance and help-center resources.

Pricing

hoa.to has no free plan and offers a free trial. Its prices are illustrative previews, with final pricing set at launch. ACH is included; card-network fees are passed through, so actual payment costs can exceed the per-unit subscription price.

Plan	Price	What it includes	Best fit
Self-managed	$0.90 per unit / month; $29/mo minimum	All modules, free ACH, owner portal, native mobile app, e-voting, and AI minutes	Self-managed communities seeking the full resident and governance toolkit; small associations should compare their unit count with the monthly minimum.
Growing	$1.50 per unit / month	Everything in Self-managed, plus fund accounting and reserves, vendor and COI management, delinquency automation, AI violation photo detection, and priority email and phone support	Associations that need deeper financial and vendor workflows or priority support.
Management company	Custom pricing	Unlimited associations, white-label branding, team roles and audit log, data import and onboarding, and a dedicated success manager	Multi-association operators seeking branded service and onboarding support.

The lower-cost Self-managed plan already includes all modules, but it does not include the Growing plan's listed accounting, vendor, delinquency, detection, and priority-support additions. Management companies trade a published per-unit rate for custom volume pricing and a package aimed at portfolio operations.

Platforms

hoa.to supports web, Android, iOS, and an API. Resident mobile access is relevant for communities whose owners and renters need to pay, make requests, and book amenities away from a desktop; API access gives integration-minded teams another route into their stack.

Who it's for

Self-managed boards can consolidate payments, requests, records, and voting without assembling separate resident and governance tools. Growing associations can justify the higher tier when fund accounting, reserves, vendor and COI management, or automated delinquency handling matter. Management companies with multiple associations are the clearest fit for the custom tier's unlimited-association setup, team roles, branding, and onboarding.

It is less compelling for communities that only need basic communication or that require a firm launch price before evaluating a system. The monthly minimum and pass-through card fees also make the entry rate less informative for small communities that rely heavily on card payments.

Pros and cons

Pros: Payments, resident requests, governance, documents, and operations sit in one platform, reducing the need to stitch together separate community tools.
Pros: REST API, webhooks, OAuth 2.0, sandbox, and Zapier support offer several integration paths, with documented endpoints spanning core association records and workflows.
Pros: Migration can cover key community records and reconcile totals before launch, a practical advantage when replacing an existing system.
Cons: Preview pricing is not final launch pricing, limiting the usefulness of current rates for a firm budget.
Cons: The $29/mo minimum means the $0.90 per-unit rate is not the full cost for smaller associations.
Cons: Card-network fees are passed through even though ACH is included, so payment method mix affects total cost.

Alternatives

ADDA is worth considering when its Communication plan's $0.99 per month for announcements, resident directory, event calendar, document repository, surveys, and forms better matches a community's needs than hoa.to's broader management package.

HOA Cloud has a Compliance Shield plan at $200 per association per month for up to 300 units, with a stated $299/mo rate for 301 or more; consider it when that flat association pricing is a better fit than per-unit pricing.

Effortless HOA offers a Starter plan at $3.00 per home per month with HOA books and reporting, offline payment recording, and a resident portal; it may suit teams prioritizing those listed functions.

Nestingbird offers a free-forever Community plan for self-managed HOAs with unlimited units and residents, making it a candidate for communities prioritizing a free starting tier.

HOA Messenger offers a free plan with unlimited HOAs and residents and 90-day visibility; consider it when those free-plan limits suit the community's needs.

CINC is another paid, web-based HOA management option.

KindHOA offers a freemium Good Neighbor plan with 5 GB storage, 10 active violations, and 10 calendar events, a possible fit when those free-tier caps are sufficient.

Vantaca is another paid option for web, iOS, and Android.

Browse the HOA Management Software list or the Property Management Resident Experience Software list for more options.

Verdict

hoa.to is a strong fit for self-managed associations and management companies that want payments, resident workflows, board governance, and integration tools under one roof. Its breadth and migration coverage are the clearest reasons to choose it. Look elsewhere if a firm price is essential before commitment, if the $29 monthly minimum outweighs the per-unit rate, or if pass-through card fees would make the payment model uneconomic.

	AppFolio Property Manager	hoa.to
Free plan	No	No
Free trial	No	Yes
Paid from	—	$0.90/mo
Open source	No	No
Platforms	Android, iOS	Android, api, iOS, Web
Free plan	No	No
Association accounting	Yes	—
Paid from	—	$0.90/mo

AppFolio Property Manager vs hoa.to

AppFolio Property Manager

hoa.to