Homeowner association covenants and restrictions

Last Updated: February 11, 2010

It”s good to do a little extra homework before applying paint to the exterior of your home.  There may be homeowner association restrictions on the colors allowed to be used. Don’t make a costly mistake.

This rule can vary widely, though, so do a little checking.  One of my friends lived in Phoenix some years back, and the rules were different in virtually every subdivision.  One allowed a very limited choice of one of four colors, ranging from a light tan to a milky-cream white.  Yet only about ten miles away there were no two homes that had the same color – and the range was a riotous swing from fire engine red to kelly green to citrus orange.  I’m not kidding.

These “color covenants” might apply to newer subdivisions as well as older homes with historic value. Check with the leadership in your homeowners association about the types of color combinations allowed.

Some Knoxville areas have people  restoring  older homes, and you may be one of them.  If this is true, you might be in luck:   You could receive tax credits and other incentives if you stay with the home’s original color scheme and help  restore your home to its original hue … in some cases, I’ve read that it could be worth as much as 50% of the contract price for an exterior paint job!

August 28, 2026
How much does new siding cost in East Tennessee in 2026? Explore Knoxville siding prices, material costs, and the factors that impact your final price.
August 14, 2026
How much does a new deck cost in Knoxville, TN in 2026? See real budgetary ranges for wood deck replacement and what can affect your final price.
July 16, 2026
Thinking about painting over rotted wood? Please don't. Learn why paint won't fix wood rot, when repairs are possible, and when replacement is the smarter long-term solution.
June 15, 2026
Your mailbox is too hot to touch. Your dog refuses to walk on the sidewalk. But is it actually too hot to paint your house? Here's what Knoxville homeowners should know.
May 19, 2026
Wondering how long a painting project will take? Learn what affects interior and exterior painting timelines, from prep work and repairs to weather and color selection.
April 16, 2026
A real project spotlight on Sheetrock repair after a water leak, including the process, timeline, and what homeowners should expect.
March 15, 2026
Winter can take a toll on decks, siding, and exterior trim. Use this spring exterior checklist to identify carpentry repairs your home may need before summer!
February 18, 2026
Kitchen cabinet painting vs. replacement in Knoxville, TN. Learn which option makes sense for your home, budget, and timeline — and how to get the most value from your kitchen upgrade.
January 17, 2026
Thinking about interior painting in Knoxville? Winter offers better availability, faster scheduling, and a chance to beat the spring painting rush.
By Charles McLain December 24, 2025
What insurance should your painter carry? Learn what coverage matters, why it protects you, and what to ask before hiring a painting contractor.