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We did not find an official count of San Mateo’s HOAs or a typical dues figure, so we do not quote one.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 city HOA directoryThe city’s website lists HOAs and neighborhood associations with their boundaries, meeting schedules and contacts.
Two water providersCal Water’s Mid-Peninsula District serves most of the city, and the Estero Municipal Improvement District, run by Foster City, serves a part of it.
Flood zonesSome North Shoreview neighborhoods have been mapped in a FEMA flood hazard area since 2001, and an assessment district was created to help take them out.
Bay MeadowsThe former racetrack is now a neighborhood with its own Mello-Roos district, CFD No. 2008-1.

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.

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.

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.

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.
72-hour rule (section 11.40.120)A vehicle left on a street 72 or more hours may be towed. The city says it must be driven at least a block, about a tenth of a mile.
Oversized vehicles (section 11.32.105)On signed residential streets, no vehicles over 7.5 feet tall or wide, 22 feet long or 10,000 pounds, and no unhitched trailers. An RV may park in front of the owner’s home 24 hours at a time, twice a week.
Commercial vehicles (section 11.32.100)None parked on residential streets, or on private property unless inside a fully enclosed garage, except emergency vehicles, deliveries and work under a building permit.
Yard parking (section 27.64.023)On single-family and duplex lots, no parking on lawns, landscaping or the sidewalk. Parking on the driveway is allowed.

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.

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.

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 options

Quick 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.

October to AprilSelf-serve sandbag stations are open around the clock. Clear drains and gutters before storms.
January 1, 2027The gas leaf blower ban takes effect. Your landscape contract should already require electric equipment.
SpringApply for any lawn rebate and get pre-approval before work starts.
November and FebruaryProperty tax installments, which carry any landscape district, Mello-Roos and other special charges, are due November 1 and February 1 and become delinquent after 5 p.m. on December 10 and April 10, or the next business day when that date falls on a weekend or holiday. San Mateo County counts only a U.S. Postal Service postmark, not a private meter date, so pay online or mail early.
FallBudget season. Price the 2029 turf deadline, tree work and landscape contract changes into next year’s budget and reserve plan.

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.

OfficePhoneUse it for
City Hall(650) 522-7000Main line
Planning(650) 522-7212Zoning, ADUs
Building(650) 522-7172Permits
Code Enforcement(650) 522-7150Property violations, rentals
Tree permits(650) 522-7420Heritage and street trees
Public Works(650) 522-7300Streets, drainage
FEMA flood management(650) 522-7575Flood zones
Police non-emergency(650) 522-7700Police matters
SMC Fire(650) 522-7900Fire prevention
Cal Water Mid-Peninsula(650) 558-7800Water service, rebates
Recology San Mateo County(650) 595-3900Trash and recycling

Keep going

Where to go next on How2HOA

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 topics

This 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.