One other things to consider is that when you own your a detached home, you may have a bit more control of the timing of major expenditures. For example, say your roof is deteriorating and near the end of its life. If you are getting married this year and spending a small fortune on the wedding, then you may decide to postpone the roof replacement until next year. In a condo, if the board decides to replace the roof on the building this year, they rightly won't care about your wedding expenses and you may get a big bill at a bad time for you. (There is a flip side where in a house you can have some large expenses that you can't plan for and can't the change the timing on, such as if your furnace quits in the middle of winter.)
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