There are cities where the zoning only allows houses in an HOA. Viera in Florida is an example of this. These days, builders always create an HOA. The options

There are cities where the zoning only allows houses in an HOA. Viera in Florida is an example of this. These days, builders always create an HOA. The options to avoid an HOA are very limited. You can settle for something really old. In theory you can become a builder yourself, but buying 30 acres and putting in streets and storm drains and... is a huge investment and a huge amount of time and effort. Even then, there are places where you simply can't do it due to zoning.