Important points
Duplexes have two separate living units and are often appealing to those seeking privacy and rental income. Townhouses are connected homes within a community, offering shared amenities and reducing the burden of maintenance. Consider your budget, lifestyle preferences, and whether you want maintenance or rental management when deciding.
If you’ve been exploring different types of housing, you may have come across duplexes and townhouses. While they may seem similar at first glance, there are significant differences in structure, ownership, and lifestyle that can influence your decision. Understanding the difference between duplexes and townhouses can help you choose the option that fits your needs, budget, and long-term goals.
Whether you’re interested in owning a duplex in Portland, looking to increase your income, or simply building equity with a townhouse in Katy, Texas, find the best choice for you in this Redfin article.
What is a duplex?
A duplex is one building divided into two separate living units. Each unit typically has its own entrance, kitchen, and utilities, providing more privacy than other forms of shared living. Some duplexes are side-by-side, while others have one unit stacked on top of another.
Because each unit functions independently, duplexes are often attractive to homeowners looking for additional space or the potential to earn rental income. Owning a duplex allows you to live in one unit and rent out the other, which helps offset your mortgage costs.
Advantages of duplex:
Opportunity to earn rental income while renting out one unit while living in the other Increased privacy compared to an apartment or townhouse Full control over maintenance decisions without HOA restrictions May qualify for a mortgage if you occupy one unit
Duplication challenges:
You are fully responsible for the maintenance of both units You may experience vacancy periods if you rent one unit Your initial costs are higher and property management is more complex
What is a townhouse?
A townhouse is part of a series of row homes that share one or two walls with adjacent units. Each townhouse typically has multiple floors, a private entrance, and sometimes a small garden or patio. Townhouses are often found in planned communities that offer shared amenities such as pools, fitness centers, and green spaces.
Unlike an apartment, a townhouse typically owns both the interior and exterior, including the grounds. However, you can also pay monthly homeowners association (HOA) fees to cover the cost of maintaining common areas and community amenities.
Advantages of townhouses:
HOA coverage reduces the burden of maintenance Access to community amenities such as fitness centers and green spaces Predictable maintenance costs with monthly HOA fees Affordable purchase price compared to single-family homes
Townhouse challenges:
Reduced privacy due to shared walls Monthly HOA fees that may vary by community Restrictions on exterior changes and landscaping choices
Main differences between duplex and townhouse
Both options offer a sense of community and ownership, but the key differences are in ownership, structure, privacy, and maintenance.
1. Ownership and layout
A duplex has two units under one roof, and the owner can own both or just one. A townhouse is a separate property within a row of houses. With a townhouse, you own a specific unit and, in most cases, the land below it.
2. Privacy
Duplexes tend to offer more privacy because they have fewer shared walls and separate yards and entrances. Townhouses share a wall on one or both sides, so they offer slightly less privacy, but are often quieter than apartments.
3. Maintenance
If you own a duplex, you are solely responsible for the maintenance of the unit and, in some cases, the shared exterior. In townhouses, many of the outdoor tasks, such as lawn care and roofing, are handled by the HOA, depending on local regulations.
4. Cost and affordability
Townhouses are often planned developments with smaller lot sizes, so they can be more affordable if you pay upfront. Although duplexes can have higher closing costs, they are a smart investment because they provide additional income if you rent out one unit.
5. Community and Lifestyle
Townhouses often offer a greater sense of community through shared amenities and neighborhood events. Duplexes, on the other hand, offer a more private and residential atmosphere, appealing to those who prefer a quieter environment.
Which option is right for you?
The right choice depends on your priorities. Although duplexes and townhouses are both considered attached single-family homes, they appeal to different buyer profiles, depending on maintenance preferences and investment goals. If you value privacy, space, and the opportunity to earn rental income, a duplex may be a better choice. If you prefer low maintenance and access to community features, a townhouse may suit your lifestyle.
Also consider your long-term goals. While duplexes can be used as investment properties, townhouses offer the benefits of ownership with lower maintenance costs.
FAQ: Duplex vs Townhouse
Can I live in one duplex unit and leave the other vacant?
Yes, you can. If no other units are rented out, it simply remains unused space. Some owners use a second unit for guests, relatives, or as a home office. However, if you purchased a duplex with the expectation of rental income, it’s important to plan the vacancy period within your budget. You are responsible for utilities, maintenance, and taxes for both units, even if either unit is empty.
Are there any shared facilities in the townhouse?
Most townhouses have separate utilities for each unit, but some communities may share certain services.
Which is more affordable: a duplex or a townhouse?
While townhouses often have lower purchase prices, duplexes offer long-term financial benefits through rental opportunities.
Is a duplex eligible for a mortgage?
Yes, duplexes with 2 to 4 units usually qualify for a mortgage, especially if you plan to live in one unit yourself.
