Condos, townhomes, and single-family homes each offer unique lifestyles – and their homeowners associations (HOAs) work differently too. Understanding how they compare helps you make the right choice for your needs and budget.
What’s the main difference?
“The only difference is what has to be maintained by the homeowner and the HOA,” says Jeff Benach, co-principal at Lexington Homes. “For a condo, everything is covered – the HOA handles insurance and building maintenance.”
Attorneys Alyssa H. Solarsh and Melissa B. Schlactus of Taylor, Eldridge & Endres, P.C., note that attached-home owners typically have fewer maintenance responsibilities than single-family homeowners. Condo or townhome HOAs often manage roof and siding repairs, while single-family homeowners cover those costs themselves. That’s why monthly fees tend to be higher for condos and townhomes.
What do HOA fees cover?
Fees vary based on what the HOA maintains and which amenities it offers – not the housing type. Condos and townhomes generally suit those who prefer a low-maintenance, “lock-and-leave” lifestyle.
What do all HOAs have in common?
Their purpose: protect homeowners’ investments.
While HOAs sometimes get criticized, they help maintain property values by enforcing upkeep standards. By enforcing rules and guidelines, the HOAs maintain the appreciation of the home’s value.
Most HOAs control the look of a community, from approved materials to paint colors, ensuring a consistent aesthetic. Fees depend on the level of service – more amenities mean higher fees. Always review governing documents before buying into an HOA community.
How are they different?
Single-family HOAs usually cover shared spaces such as parks, sidewalks, and pools. Homeowners handle their own home and yard upkeep.
Condo owners share responsibility for the building and common areas, while townhome owners pay fees proportional to their share of the property. These HOAs often cover exterior insurance, structural maintenance, and landscaping.
Example: If a condo roof needs replacement, all unit owners share the cost through HOA fees. In a single-family neighborhood, the homeowner pays the full amount.
Bottom line
Condo and townhome HOAs handle more maintenance and charge higher fees, ideal for homeowners who prefer convenience. Single-family HOAs cover less but give you more control.
As Benach puts it, “A condo or townhome building that doesn’t have an HOA is a disaster waiting to happen.” Someone has to manage shared maintenance and fairness.
Before you buy, compare HOA covenants for each housing type. The right choice depends on how much maintenance – and responsibility – you want to take on.
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Julie Gordey
A lifelong educator, Julie Gordey, is a retired school administrator. After years of focusing on education, this University of Texas graduate now travels and enjoys freelance writing for BDX and NewHomeSource.com.