I have a house. I have no HOA. I'm very happy with this situation and don't see any possible value that an HOA could add to this situation.

Funnily enough, there does seem to be a sort of wannabe HOA in my neighborhood that is always dropping things off in our mailbox asking for donations and telling us about events. I never give them any money, and never go to their events though, so either they don't provide any value or the value they provide apparently is not derived from them having any enforcement power.