I was actually really looking into a condo/townhouse for that very reason, but when I was home searching, the high monthly HOA dues and the fact that condo prices were practically the same as a house, plus the higher interest rate vs a SFH steered me away. We’ll see, maybe in time I’ll get tired of it and do the same as you.
Yeah, I wasn't happy that the condo is at 3.25%. The HOA fee covers insurance, water, internet, garbsge, heat, cooling, etc. My individual insurance is like $200/year. By the time I added all the things I was paying in addition to PITI, it was a, wash at worst.
I purposely wasn't looking at buildings with elaborate amenities because they tend to have higher HOA.
two years ago we dug up the front lawn and replaced it with mulch, moss, and succulents. drainage is MUCH better, bees and hummingbirds live in the bushes next to the house, and it's so much nicer.
Yup, I am considering that and starting to budget for it. If the HOA is a bitch about it, I’ll do it in the backyard and cut my total mow time by at least 40%. It will also reduce my water bill.