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Finding a new place to plant roots isn’t just about cost. Your real estate search may include a variety of options: condo vs. townhouse, condo vs. house, house vs. townhouse and more. As you compare different types of properties to each other, it is important to think about not only what you can afford, but also what you want and expect as a homeowner or renter.
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“When it comes to deciding what type of home to focus their search on, buyers need to consider their budget and lifestyle, as well as how much they want to spend on home improvement,” says John Ameralis, licensed broker and president of The Ameralis. Team at Compass in New York City.
Maybe you are a first time home buyer, or an empty nester looking to downsize. No matter where you are in life, consider this your first step towards the type of home that best suits your needs.
A condominium (or condo for short) is a property for sale within a large community, which may be a high-rise building. Condos can be a great option for anyone who wants to save a little money on a home, including first-time homebuyers, singles, older homeowners or people who visit frequently. Condos are similar to houses, in that both can share multiple walls with neighbors. There is one big point of difference, however: You own a condo, and you rent a house.
Of all the types of homes on the market for sale, condos “require the least amount of maintenance.” You just need to keep the ‘wall in,'” Ameralis explains. So, if the roof leaks or the carpet in the living room needs replacing, it’s not your responsibility – the condo association handles those jobs. In addition, some condo buildings have doors and provide an additional level of security, especially in larger cities.
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Yes, you and your neighbors all pay HOA or condo fees to cover the cost. Condo association rules can be very restrictive, too. You may not be able to customize your unit the way you want, and you may be prohibited from renting it to others.
Those who value privacy may find condos less attractive, too. “It’s important to remember that in condos, even if they’re exclusive, you still share an elevator and other amenities,” explains Judy Zeder, a Realtor with the Jills Zeder Group at Coldwell Banker in Miami.
When most people talk about buying a home, they mean buying a single-family home, which is a property that is independent of the foundation. It doesn’t share walls or common areas like condos, apartments and townhouses, and it can also come with a lot of space to enjoy.
Two of the biggest points in the interest of buying a house are privacy and the freedom to decorate and maintain it as you like. (Within local ordinances and/or HOA guidelines, of course.) “Owning your own home gives you more freedom to live the way you want as opposed to condos, which have rules that dictate what you can and can’t do,” says Ameralis. .
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Single-family homes are often the most popular housing choice, and you can expect higher prices to reflect that. The average single-family home sold for $58,000 more than a condo in 2020, according to data from real estate brokerage Redfin.
In addition to paying more up front, you may pay more down the road, too. Owning a home means that you will be responsible for lawn maintenance, maintenance and repairs, which can be more challenging than you would with any other type of home.
Townhouses can be much cheaper to buy than a single family home. Some even have small yards or patios. However, most modern townhouses have small footprints and share exterior walls with neighboring houses.
Condominiums often come with HOA rules and fees. When it comes to being able to make your own decisions, you may have more autonomy than condo owners, but your decisions still have to be approved by the HOA.
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“On the size of a townhouse, maintenance costs are the highest, because the common areas of the property – whether it’s the grounds, the pool, the roof or the siding – need to be fixed over time,” explains Andrea Webb, Senior. Real Estate Advisor with Keller Williams Realty in Montclair, New Jersey.
For home buyers debating between a house or a condo, a townhouse may be the best of both worlds. You get a lot of space, usually in several levels (like a single-family house), with less exterior design (like a condo).
An apartment is any living space within a residential building where individual units are rented, not sold. In larger cities, these may be condos that are rented out individually. Apartment buildings often have shared amenities for tenants, such as a gym or pool.
The biggest factor in determining if a condo or house is right for you comes down to it
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