When you’re shopping for a home in Oklahoma City, condos and townhomes are two popular options — especially for buyers who want low-maintenance living, quality amenities, and a sense of community without the responsibilities attached to a traditional single-family home. But which one is right for you? This guide breaks down the differences, the benefits of each, and how to make the choice that fits your lifestyle and goals.

​

​

​

​

​

​

​

​

​​

​

​

​

​

​

​

What’s the Difference?

Though they may look similar from the outside, condos and townhomes are distinct in terms of ownership structure, maintenance responsibilities, and community lifestyle.

​

Condos (Condominiums):

• Ownership: You own the interior of your unit and a shared interest in common areas (like hallways, parking lots, and amenities).

• Exterior & Grounds: The homeowners association (HOA) is typically responsible for exterior maintenance, landscaping, and shared spaces.

• Design: Condo buildings can be multi-story structures with shared walls and common entrances.

​

Townhomes:

• Ownership: You own both the interior and exterior of your unit, including the roof and sometimes the land beneath it.

• Maintenance: Owners may be responsible for more maintenance than a condo owner, though many townhome communities still include exterior care through an HOA.

• Design: Townhomes are usually multi-level properties that resemble traditional houses but share walls with neighbors.

​

Pros and Cons: Condos

Why Choose a Condo

• Lower Maintenance: Condos tend to include exterior upkeep, landscaping, and common area care in HOA fees — great for people with busy lifestyles or frequent travel.

• Affordability: Many condos are more affordable than comparable townhomes, offering an accessible entry into homeownership.

• Amenities: Mid- to high-end condo communities may offer shared amenities like fitness centers, pools, and clubhouses.

• Location: Condos are often located in or near city centers, walkable entertainment districts, and job hubs — ideal for those who want to live close to the action.

​

Things to Consider

• HOA Fees: Monthly dues can add up, especially in communities with premium amenities.

• Privacy: Shared walls and common spaces mean less privacy than a standalone home.

• Rules: HOAs can restrict rentals, pet ownership, exterior modifications, and other lifestyle preferences.

​

Pros and Cons: Townhomes

Why Choose a Townhome

• More Space: Townhomes frequently offer multiple stories, larger floor plans, and private garages — appealing to buyers who want more room but not a full single-family yard.

• Private Ownership: Since you own more of the structure and sometimes the land, you have greater control over exterior choices and upgrades.

• Community Feel: Many townhome developments offer neighborhood design, front stoops, or small yards, creating a balance between condo living and traditional homeownership.

​

Things to Consider

• Maintenance Responsibilities: Depending on the community, you may be responsible for exterior maintenance, roof repairs, or yard care.

• HOA Fees Still Apply: Most townhome communities have HOAs, so you’ll still pay dues — though they may be lower than condo fees.

• Shared Walls: Like condos, many townhomes share walls with neighbors, which can affect noise and privacy.

​

Oklahoma City Market Snapshot

While every community is different, here’s how the condo and townhome market in Oklahoma City generally compares:

​

Condos

• Often clustered in and around downtown, Bricktown, Midtown, and other walkable urban districts.

• Ideal for buyers who prioritize location, nightlife, and simplified living.

• Popular with first-time buyers, investors, and empty-nesters.

​

Townhomes

• Found throughout OKC’s urban and suburban neighborhoods.

• Great for buyers who want more space and a blend of convenience and privacy.

• Attractive to young families, professionals, and those looking for low-maintenance ownership without sacrificing room.

​

How to Decide What’s Right for You

Here are a few questions to help guide your choice:

• What’s your budget?

  Condos may offer a lower entry price, but HOA fees vary widely — be sure to compare total monthly costs.

• How important is outdoor space?

  If you want a private patio or yard, a townhome may serve you better than a condo.

• How much maintenance do you want to handle?

  Condos typically include more exterior care in the HOA, while townhomes may require more responsibility.

• What’s your lifestyle like?

  If you want to walk to restaurants, nightlife, or work, condo living near urban districts could be ideal. If you want a blend of neighborhood feel and space, townhomes are worth considering.

​

Working With VA Home Team OKC

No matter where you land on the condo-versus-townhome question, VA Home Team OKC can guide you through the process — especially if you’re using VA loan benefits.

​

We help veterans and service members:

• Understand how VA loan eligibility applies to condos and townhomes

• Navigate HOA requirements and VA approvals

• Compare long-term costs and resale potential

• Find properties that match lifestyle preferences and financial goals

​

Whether you’re ready to shop or still weighing your options, reach out to VA Home Team OKC for personalized support and expert guidance on choosing the right home in Oklahoma City.