What Is The Difference Between A Condo vs House

What is the difference between a condo vs house

People often think that the difference between a condo vs house is whether there is a yard

In this post, I will go through the differences between a Condo Vs House.

Here is a hint it is not whether it looks like an apartment or if it has a yard.

Most of us can identify the typical multi-unit attached condo complex that looks similar to an apartment building. But you may struggle with the detached condo with a yard and fence.

Although I will do my best to explain the difference between a house and a condo I am by no means an attorney and when in doubt check the title’s legal description.

What is a condo

Financing Your Home Purchase

The first thing to understand is that the word Condo refers to both a unit of ownership in a building and a legal form of ownership.

The concept of the Condo as we think of it today first appeared in Salt Lake City in 1960. In the 1960’s and 70’s Florida received a big rush of retirees. To take advantage developers there began to offer multi-unit buildings whose units could be owned outright, according to Mary Umberger.

‘Condominium’ refers to real property developments in which the property can be divided by lines on the ground like traditional real estate, but can also be divided with horizontal planes, like the floors of a building. The individual owners also each own an undivided (collective) interest in the common areas (i.e. offices, lobbies, elevators, hallways, parking garages, pools, etc.)Condolaw.net

In WA state condominiums created after July 1, 1990, are governed by the Condominium Act Chapter 64.34 RCW .

Before July 1, 1990, they are governed by the Condominium Act Chapter 64.32 RCW.

According to the new RCW, except as provided by the declaration: The walls, floors, or ceilings are the boundaries of a unit, and all lath, furring, wallboard, plasterboard, plaster, paneling, tiles, wallpaper, paint, finished flooring, and any other materials constituting any part of the finished surfaces thereof are a part of the unit, and all other portions of the walls, floors, or ceilings are a part of the common elements.

Meaning that generally when you purchase a condo you own the walls, floor, ceiling, and air inside your condo. Everything outside of that area is the common area, that is collectively owned by all the individual owners of the units.


  • Attached Condo
  • Townhome
  • Detached Condo

The attached condo is what most of us think of when we hear the word condo. It is a multi-unit building usually with units stacked on top of one another and sharing at least 1 wall. In this form of ownership, you would own and maintain the walls, floor, ceiling, and everything inside the space. The exterior walls and all other common areas would be owned and maintained collectively by the whole of

Example Of Attached Condo

The Townhome is similar except that the units are not stacked on top of each other. They are condo units that share a sidewall.

Example Of A Town House

Detached condos are essentially single family homes in appearance. Generally, the owner is responsible for maintaining everything within the boundaries of the lot.

Example of Detached Condo


The condo form of ownership includes an HOA or Home Owners Association.

The common areas, amenities, and utilities are managed collectively by the owners. When you buy your condo you purchase the unit and a share of the common area.

Most condo associations are created as corporations. They must have a declaration also known as the CC+R’s (Covenants, Conditions, and Restrictions).

The goal of the CC+R’s is to preserve the community investment. For example requiring that your lawn is mowed, or restricting the color that you can paint a building or fence.

In addition to enforcing the “rules”, they are also responsible for maintaining the common areas of the complex. This may be repairing or replacing a roof, the landscaping of common areas, driveways or parking lots, insurance, or garbage pickup.

In order to pay for the maintenance of the common areas, the HOA sets monthly dues that each owner of the complex must pay. A well maintained HOA should carry a surplus of funds in case of emergency.

Typical monthly HOA dues can range from $30-500 a month.

Difference between Detached Condo vs Home

Your searching for homes on our website, or some other website and find a house you like with a yard and a fence. Then you look at the category and see that it is a condo.


Because it has an HOA. Not necessarily single family residential homes often have HOA’s.

In most cases, it is because the city has a very specific requirement for lot sizes in order for a home to be classified as single family detached. If a developer wants to build more units in a space they can build them as condos.

People will pay more money for a detached condo that resembles a house and the builder can build more units.

As a buyer, you can get a nice size home with a small yard for less money because it is a condo. Often with these types of developments, the monthly HOA dues are minimal.

Generally, with this type of detached condo, the owner will be responsible for the maintenance of everything within the border of the lot. Giving it the feel of a house, with a slightly lower price tag.


The purpose of this article is to help clarify the difference between detached condos and houses.

Often times it is hard to distinguish whether a property is a townhome, condo or single family detached house.

You can generally tell by looking for the category on whatever site you are searching on, asking your real estate agent, or checking on the title legal description.

The main difference between a detached condo and a house is simply the legal classification. If the developer wanted to build more units in the amount of space they had to build they may have designated them condos.

Although I have done my best to explain the difference between a condo and a house, I am not a real estate attorney. You should consult with an attorney before making any legal decision.

About the Author

Jason Fox

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Jason Fox is a father, a real estate broker, a marketing specialist, and a friend. Being born and raised in the Pacific Northwest he has a unique and interesting perspective on local real estate that he can't wait to share with you. Jason lives in the Meadowdale neighborhood and hopes to see you out walking, at the park, at the movies, on a trail, on Stevens Pass, on the beach, at a lake, at a Seahawks or Mariners game, or just commenting on the blog.

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