Condo or House in Massachusetts: Which Home Choice Fits Your Lifestyle

Briana Brookins
Dec 16, 2025
3 min read

Updated: Jan 12

Deciding between a condo and a house in Massachusetts can feel overwhelming. Both options offer unique benefits and challenges, and the right choice depends on your lifestyle, budget, and long-term goals. This guide breaks down the key differences to help you make an informed decision that suits your needs beyond common stereotypes.

Eye-level view of a modern Massachusetts condo building with balconies — Modern Massachusetts condo building with balconies

Understanding the Basics: Condo vs House

A condo is a privately owned unit within a larger building or complex. Owners share common areas like hallways, gyms, and pools, and pay monthly fees for maintenance and amenities. A house is a standalone property, often with a yard, where the owner is responsible for all upkeep.

In Massachusetts, both condos and houses vary widely by location, size, and price. Urban areas like Boston and Cambridge tend to have more condos, while suburban and rural towns offer more houses with land.

Lifestyle Considerations

Maintenance and Upkeep

Condos appeal to those who want less responsibility for maintenance. The condo association handles exterior repairs, landscaping, and snow removal. This suits busy professionals or retirees who prefer convenience.

Owning a house means managing all maintenance yourself or hiring help. This includes lawn care, roof repairs, and plumbing. If you enjoy gardening or home improvement projects, a house offers more freedom but requires more time and effort.

Space and Privacy

Houses generally provide more space, both indoors and outdoors. You can expect a yard, garage, and more room for pets or hobbies. This is ideal for families or anyone who values privacy and outdoor living.

Condos often have less square footage and shared walls with neighbors. However, many offer amenities like rooftop decks or community gardens that extend your living space. If you prefer a low-maintenance lifestyle with social opportunities, a condo fits well.

Financial Factors

Upfront and Ongoing Costs

Condos usually cost less upfront than houses in the same area. However, monthly condo fees can add up, covering maintenance, insurance, and amenities. These fees vary widely but can range from a few hundred to over a thousand dollars per month.

Houses require a larger down payment and higher property taxes but don’t have monthly association fees. You control your expenses but must budget for unexpected repairs.

Resale and Investment Potential

In Massachusetts, houses tend to appreciate steadily, especially in desirable suburbs with good schools. Condos can also increase in value but may be more sensitive to market fluctuations and the health of the condo association.

If you plan to live in your home long-term, focus on what fits your lifestyle. If you’re considering investment or resale, research local market trends and the condo association’s financial stability.

High angle view of a suburban Massachusetts house with a large yard — Suburban Massachusetts house with spacious yard

Location and Community

Urban vs Suburban Living

Condos dominate in Massachusetts cities where space is limited. Living in a condo often means easy access to public transit, restaurants, and cultural attractions. This suits young professionals or those who want a walkable lifestyle.

Houses are more common in suburbs and rural areas, offering quieter neighborhoods and more green space. Families and those seeking a slower pace often prefer these settings.

Community and Amenities

Condo communities often include shared amenities like gyms, pools, and social rooms. These encourage interaction and can create a strong sense of community.

Houses offer more privacy but fewer built-in social opportunities. You can still engage with neighbors through local events or neighborhood groups.