San Mateo County HOA Guide
San Mateo HOA Guide: Local Rules for Boards and Owners
San Mateo has about 103,000 residents, and about half of its homes are owner-occupied. Gas leaf blowers are banned citywide starting January 1, 2027, and the city can hold the property owner who hired the landscaper responsible.
This guide collects the city rules a San Mateo board runs into most often, and points you to the How2HOA guide that explains what to do about each one.
Local rules on this page were checked against the City of San Mateo’s website and the San Mateo Municipal Code on October 27, 2026. Online codes can lag behind the most recent ordinances, and some city documents would not open for us, so confirm the current rule with the office listed before you act on it. Sources are listed at the bottom of the page.
At a glance
HOAs in San Mateo at a glance
We did not find an official count of San Mateo’s HOAs or a typical dues figure, so we do not quote one. The public record does show how the city is set up:
A landscape or maintenance district is easy to confuse with an HOA. A district assessment is on the property tax bill and pays the city. Association dues pay for what your association owns.
Local rules
Rules that apply in San Mateo
Three layers of rules apply to a San Mateo association. State law comes first, mainly the Davis-Stirling Act. City ordinances apply to every property, whether or not it is in an HOA. Your governing documents can then be stricter than the city in most areas, and state law limits them in a few. The city does not enforce your CC&Rs, and your CC&Rs do not excuse anyone from a city rule.
The 2027 gas leaf blower banThe city can cite the owner who hired the landscaper.
Starting January 1, 2027, no one may operate a gas leaf blower in the city or authorize someone else to (section 10.80.025, Ordinance 2026-03). The city can enforce the rule against the operator, the property owner who hired them or both. Electric blowers in or next to residential districts are allowed from 8 a.m. to 5 p.m. on weekdays and 9 a.m. to 5 p.m. on Saturdays, never on Sundays or listed holidays. They need a nozzle extension and must run at low speed, one at a time per residence (sections 10.80.030 and 10.80.040).
An association that hires a landscaper is the one authorizing the work, so update the contract before January to require electric equipment and these hours.
What to do about it: Managing Outside Vendors for Your HOA.
Heritage treesOaks 10 inches across and other trees 15 inches across need a permit.
A heritage tree is an oak with a trunk 10 inches or more in diameter, or any other species 15 inches or more, measured 54 inches above grade (section 13.40.030). Removing one or pruning more than a quarter of its crown takes a permit, and only the property owner may apply for removal. Neighbors next to the tree get written notice, and an appeal is due by 5 p.m. on the 10th calendar day after a decision. A permit lasts six months, and removed trees must be replaced or covered by an in-lieu fee. Tree permits: (650) 522-7420.
For an association, common-area trees count like any others. Build the notice and appeal time into any landscape project schedule.
What to do about it: How to Hire a Contractor for Your Homeowners Association covers what to require of a tree service before work starts.
Short-term rentalsUnhosted stays are capped at 120 days a year.
Stays of fewer than 30 days need a city registration before the unit is advertised, with a $250 yearly fee (chapter 5.66). ADUs may not be used. When the host is not present, a unit may be rented no more than 120 days a year, and events and parties are not allowed. Occupancy is limited to two people per bedroom or 10 per property, whichever is less, and a local contact must respond within 60 minutes, around the clock. The occupancy tax is 14%. California Civil Code section 4741 limits how far an association can restrict rentals generally, but it does not stop an association from prohibiting rentals of 30 days or less.
What to do about it: How to Handle Short-Term Rentals in Your Community and Renting Out Your Home in a Homeowners Association. For the California rules, see our guide to buying, selling and renting in a California HOA.
Tenant protectionsJust cause after 11 months and relocation pay for no-fault evictions.
San Mateo’s Residential Tenant Protection Program took effect December 31, 2025 and runs until January 1, 2030 (chapter 10.100). It extends state just-cause protections to tenants who have lived in a unit for 11 months, requires one month’s rent in relocation assistance for no-fault evictions and requires notice and a chance to cure lease violations. Landlords must give tenants written notice of their rights in English and Spanish.
Owners who rent out units in your community should know these rules. They apply to the owner as landlord, not to the association.
What to do about it: Renting Out Your Home in a Homeowners Association.
Private streets and city enforcementWe found no private roads designated for Vehicle Code enforcement.
We did not find a designation of private roads for Vehicle Code enforcement in the parts of San Mateo’s code we could read. Where no designation exists, enforcing parking and speed rules on association-owned streets usually falls to the association, so ask the police department whether any roads in your community are designated.
Oversized vehicles and yard parkingNo parking on lawns or landscaping.
Abandoned vehicle hotline: (650) 522-7766. Your association’s rules can be stricter.
What to do about it: HOA Rules and Enforcing Violations. For the state rules on enforcement, fines and hearings, see California HOA enforcement, fines and disputes.
Bins, upkeep and code enforcementBins out after noon the day before, in by midnight.
Outside downtown, carts may go out after noon the day before collection and must be put away by midnight on collection day (section 7.16.040(k)). Weeds, overgrowth or grass over 12 inches, visible debris and run-down buildings that harm neighboring property are nuisances. Administrative citation fees rise for repeat violations, and the first fee is cut by two-thirds if the problem is fixed within 10 working days (section 1.10.070). Code Enforcement: (650) 522-7150.
What to do about it: How to Minimize Homeowners Association Liability and our HOA maintenance and vendors section.
Water and the lawn rebateTwo providers with different programs.
Cal Water’s lawn-to-garden rebate needs pre-approval before work starts, requires at least three approved low-water plants per 100 square feet converted and does not cover artificial turf. Cal Water does not publish the current amount outside its conservation portal, so call its Mid-Peninsula office at (650) 558-7800 and ask whether an association account qualifies.
In the part of San Mateo served by EMID, irrigation-account customers can get $4 per square foot for lawn conversion or synthetic turf, up to $10,000, after a pre-inspection. EMID: (650) 286-3270.
A state law passed in 2023 (AB 1572) bars the use of drinking water on nonfunctional turf in HOA common areas starting January 1, 2029. The law stops the watering; it does not require removing the lawn. A board that decides to replace decorative lawn can use a rebate, where one is offered, to pay for part of the conversion.
On owners’ lots, Civil Code section 4735 prevents an association from banning low-water plants or artificial turf as a replacement for lawn.
What to do about it: put the turf conversion in your numbers with Planning Your HOA Budget and Understanding HOA Reserve Studies, then compare landscape bids with the Vendor Comparison Worksheet. For the California rules behind these projects, see California HOA maintenance and repair responsibilities and California HOA reserves.
Work hoursSunday construction only from noon to 4 p.m.
Construction under a city permit is allowed from 7 a.m. to 7 p.m. on weekdays, 9 a.m. to 5 p.m. on Saturdays and noon to 4 p.m. on Sundays and holidays (section 7.30.060). Put working hours in your contracts.
What to do about it: Managing Outside Vendors for Your HOA.
Is this a lot for a volunteer board to track?
City rules, district assessments, state law and your own documents all change, and someone has to keep up. If your San Mateo board is deciding between managing itself and hiring help, start with Self-Managed vs. Professional HOA Management, or tell us about your community and we will send you options from affiliated management companies.
Compare HOA management optionsQuick answers
Questions San Mateo board members ask
Does the gas leaf blower ban apply to our landscaper?
Yes, from January 1, 2027. The city can cite the operator, the association that hired them or both.
Do we need a permit to remove a common-area oak?
If its trunk is 10 inches or more across at 54 inches above grade, yes. Other species need a permit at 15 inches.
When must bins come in?
By midnight on collection day, outside downtown. They can go out after noon the day before.
Can an owner park an RV on the street?
On signed residential streets, only in front of the owner’s home for 24 hours at a time, twice in seven days.
Can our HOA ban short-term rentals?
Yes, if your governing documents say so. Civil Code section 4741 does not stop an association from prohibiting rentals of 30 days or less, though under Civil Code section 4740 an owner who bought before a rental ban took effect is generally not bound by it. Ask your attorney. More in How to Handle Short-Term Rentals in Your Community.
Can our HOA refuse to allow ADUs?
Not outright on single-family lots. Civil Code section 4751 voids provisions that prohibit or unreasonably restrict ADUs. San Mateo allows an 800-square-foot ADU on any single-family lot, and junior ADUs of up to 500 square feet on single-family-zoned lots only. Section 4751 still allows reasonable restrictions that do not unreasonably raise the cost of building one or effectively prohibit it, which the association can apply through architectural review.
Calendar
A San Mateo board’s year
The dates below follow the agencies’ own programs. The maintenance items are general good practice, not legal requirements.
Keep the year on track: use the Board Meeting Checklist and the Annual HOA Budget Checklist.
Who to call
San Mateo contacts for HOA boards
City Hall is at 330 West 20th Avenue.
| Office | Phone | Use it for |
|---|---|---|
| City Hall | (650) 522-7000 | Main line |
| Planning | (650) 522-7212 | Zoning, ADUs |
| Building | (650) 522-7172 | Permits |
| Code Enforcement | (650) 522-7150 | Property violations, rentals |
| Tree permits | (650) 522-7420 | Heritage and street trees |
| Public Works | (650) 522-7300 | Streets, drainage |
| FEMA flood management | (650) 522-7575 | Flood zones |
| Police non-emergency | (650) 522-7700 | Police matters |
| SMC Fire | (650) 522-7900 | Fire prevention |
| Cal Water Mid-Peninsula | (650) 558-7800 | Water service, rebates |
| Recology San Mateo County | (650) 595-3900 | Trash and recycling |
Keep going
Where to go next on How2HOA
Sources for this guide
These sources open in a new tab.
San Mateo Municipal Code: section 1.10.070, citations; sections 3.56.030 and 3.56.035, occupancy tax; chapter 5.66, short-term rentals; section 7.16.040, property nuisances; section 7.30.060, construction noise; chapter 10.80, leaf blowers; Ordinance 2026-03, gas leaf blowers; chapter 10.100, tenant protection; section 11.32.100, commercial vehicles; section 11.32.105, oversized vehicles; section 11.40.120, 72-hour rule; Ordinance 2012-1, CFD 2008-1 special tax; chapter 13.40, trees; chapter 27.19, ADUs; section 27.64.023, yard parking.
City of San Mateo: HOA listings; trees; short-term rentals; FEMA and flood protection; abandoned vehicles; sandbags; who to call; phone directory.
Other: U.S. Census Bureau QuickFacts, San Mateo; BAWSCA, Cal Water Mid-Peninsula profile; BAWSCA, Estero MID profile; Cal Water rebates; Cal Water, lawn-to-garden plant requirements; Foster City, water conservation rebates; Recology San Mateo County; San Mateo County Tax Collector; secured property taxes; State of California, property tax important dates.
California law: Civil Code section 4740; section 4741; section 4751; section 4735; AB 1572 (2023).
Professional management
Thinking about management help?
Tell us about your community and we will send you options from affiliated management companies.
Compare HOA management optionsBrowse all HOA topicsThis page is general educational information, not legal, financial or insurance advice. City ordinances and state law change, and your association’s governing documents control many of these questions, so check the current code and talk with your association’s attorney or another qualified professional about your situation.