Who pays for the electricity in a shared condo garage?
Whoever the meter says, which in a shared garage is usually the association until somebody changes it. There are three workable arrangements and only three: a circuit fed from your own unit's panel, which is the cleanest and frequently impossible; a submeter or a networked charger that bills you for common-area energy, which works but needs board sign-off; and the association absorbing the cost, which is the simplest to set up and the one that reappears as an argument at the next annual meeting. Settle this before the electrical design, not after, because it decides which panel the circuit comes from.
Updated 2026-08-20

The three arrangements, and how each one fails
Which panel the circuit originates from decides the conduit route, and the conduit route is most of the cost. That is why this is not an administrative detail to settle afterwards.
A circuit from your own unit's panel: cleanest, frequently impossible
The energy lands on your own bill, nobody has to measure anything, nobody has to invoice you, and there is nothing left for the association to argue about later.It fails on geometry. Your panel is inside your unit and your space sits in a structure below or beside it, often several floors away, and the conduit has to get there through common elements — so the association is approving a route through its property even though the circuit is entirely yours. Fire-rated assemblies, finished ceilings in other people's units and post-tensioned decks all turn a simple run into a specialist one.It also fails on capacity in older buildings. A unit panel sized for a 1980s condominium may have no spare breaker spaces and a service a load calculation says is already committed. A load-management device that sheds the charger when the unit draws hard is the usual answer, and it is far cheaper than any attempt to upsize a unit's service in a multifamily building.Where the route does exist, this arrangement is worth paying extra to achieve. Every dollar spent making the energy land on your own meter is a dollar spent on never having this conversation again.
A submeter or a networked charger: works, needs sign-off
A submeter is cheap hardware and ongoing human work. A networked charger is more expensive hardware and almost no human work.The submeter route puts a meter on the charger circuit and someone reads it. Agree in writing who reads it, how often, what rate you are billed at, and what happens if you dispute a reading. Raise the rate question with the association's counsel: whether an association may bill for electricity, and whether it may bill above its own cost, is regulated at state level and is not uniform. The safe posture in most places is to rebill at actual cost with no margin.The networked route lets the charger meter and bill you directly, which removes the association from the money entirely — an underrated benefit, because the association's real objection is usually the administration rather than the dollars. The trade is an ongoing per-port subscription priced by the network operator, which continues for as long as the charger is in service. Ask what it costs per port per year, what happens to the equipment if you stop paying it, and whether you or the association holds the account.Whichever you pick, put the arrangement in the same written agreement that covers maintenance, insurance and removal. A metering arrangement that lives only in a board meeting's minutes does not survive a change of property manager.
The association absorbing it: simplest, and the one that produces the argument
The reason is not principle, it is arithmetic that becomes visible once there is more than one EV in the building.Charging is roughly a third of a kilowatt-hour per mile for most EVs, so a resident driving a thousand miles a month puts about 330 kilowatt-hours through a garage circuit. What that costs depends entirely on the association's rate, and residential rates across the United States differ by more than a factor of two, so the only honest way to present it is as a grid.
Why the free arrangement is the one to decline
Five EVs at $80 a month is $400, and that is the meeting where the arrangement gets reversed — usually badly, and sometimes retroactively.So if your association offers to absorb the cost, the sophisticated response is to decline it and propose a submeter. An arrangement that survives is worth more than one that is free until it is not, and being the resident who proposed paying their own way is worth a great deal the next time you need something from the board.
What it costs to set up
The one place worth spending more than the minimum is conduit. If the association is opening a deck or trenching a lot at all, running spare conduit for the eventual layout during that excavation costs a fraction of coming back to do it again. This is the single most reliable way an association saves money on charging, and it has nothing to do with the chargers.
Can my HOA charge me more per kilowatt-hour than the utility charges them?
That depends on your state. Rules on reselling or rebilling electricity are set at state level, and some states restrict an association to recovering its actual cost. Ask the association's counsel before agreeing a rate, and get whatever is agreed into the written charging agreement rather than a board minute.
Is a submeter cheaper than a networked charger?
The hardware is, comfortably. The administration is not. A submeter needs a person to read it, invoice against it and handle disputes, every month, forever. A networked charger costs more up front and carries a per-port subscription, and it removes the association from the billing entirely. Which is cheaper depends on how much the association values not doing the work.
Who reads the submeter?
Name that person in the agreement. In practice it is the property manager, and in practice it is the task that gets forgotten first. If the association will not commit someone to it, that is a strong argument for a networked charger or for feeding the circuit from your own unit's panel.
Can I just pay the association a flat monthly amount?
Frequently the most practical answer, and easy to defend if you set the figure from real arithmetic rather than a guess: monthly miles divided by three gives kilowatt-hours, multiplied by the rate on the association's bill. Offer to revisit it annually, and offer to move to a submeter if the estimate turns out to be low.
Does the association need to approve the metering arrangement even if I pay for everything?
Yes, whenever the circuit originates from common-area equipment or the conduit passes through common elements — which is nearly always in a shared garage. That is why the metering plan belongs in the architectural-review packet rather than being settled afterwards with the electrician.
- US Energy Information Administration — Electric Power Monthly, for average residential electricity price by state
- Recharged — How much does a commercial EV charging station cost, for per-port installed cost and the make-ready share
- GreenLancer — Guide to commercial electric vehicle charging stations, for networked hardware cost per port
- Qmerit — Understanding your EV home charging station costs for installation, for the residential installed components
- IRS — Alternative Fuel Vehicle Refueling Property Credit, for the Section 30C termination date
- US DOE Alternative Fuels Data Center — Utility and private incentives search, for multifamily-specific utility programs
Price it before the board asks what it costs
Garage projects live or die on the conduit run, not the charger. Tell us the structure, the space and the distance to the electrical service and you get an installed-price range for the arrangement you are proposing.