What if my neighborhood has an HOA or development covenants?

Many neighborhoods in Missoula have Homeowners Associations (HOAs) or private covenants that set additional rules for how properties can be used or what can be built. These private agreements remain in place even with the new zoning code.

• HOA rules and covenants still apply.
• Even if zoning allows more options—like duplexes or accessory units—your HOA may set stricter limits.
• Only homeowners can change those private agreements, not the City.

Zoning sets the citywide rules, but HOAs and covenants can add their own requirements. The new code doesn’t override those private agreements—it simply provides more flexibility where they don’t apply.