Exploring the Different Types of Houses in Canada: From Single Homes to Condos

When it comes to buying a home in Canada, the choices can feel overwhelming. From cozy condos in downtown Toronto to spacious single-family homes on the outskirts of Calgary, there’s something for every lifestyle and budget. But how do you know which one is right for you?
This guide breaks down the most common types of housing in Canada—including pros, cons, average prices, and key considerations—so you can make an informed choice.

Single-Family Homes: Privacy, Space, and Freedom

Single-family homes are detached houses that sit on their own lot. They offer maximum privacy, plenty of yard space, and full control over your property. Whether you’re raising a family or just want a little breathing room, this is the most traditional Canadian dream home.
But the perks come with a price. Single-family homes are usually more expensive and require the most upkeep. You’re responsible for everything from snow shovelling to roof repairs.

✅ Best for: Families, long-term homeowners, people who want space

❌ Watch out for: Higher maintenance costs and suburban locations

Townhouses: Community Living with a Touch of Privacy

Townhouses are multi-level homes that share one or two walls with neighbouring units. They’re a great middle ground between condos and detached homes.
You often get a small yard, your own entrance, and more square footage than a condo. Townhouses are popular among first-time buyers because they’re more affordable than detached homes but offer more space than condos.Most townhouses are part of a condominium corporation, so you’ll pay monthly maintenance fees. The upside? You won’t have to worry about mowing the lawn or maintaining the roof.

✅ Best for: Young families, budget-conscious buyers

❌ Watch out for: Monthly condo fees, shared walls

---

Condos: Easy, Urban, and Low-Maintenance

Condos are typically found in high-rise buildings and are ideal for urban dwellers who want proximity to shops, public transport, and work.

The biggest perk? Maintenance is mostly someone else’s problem. You’ll also get amenities like gyms, pools, or even concierge service, depending on the building.

But condos can feel cramped compared to houses. Plus, you’ll need to follow the rules set by the condo board and pay monthly maintenance fees.

✅ Best for: City lovers, downsizers, people who hate yard work

❌ Watch out for: Smaller space, less privacy, strict rules

---

Duplexes: Smart Use of Space (and Money)

A duplex is a single building divided into two units. You can live in one and rent out the other to help pay your mortgage, or use both units for family.

They offer a blend of ownership and investment opportunity but come with shared maintenance responsibilities and less privacy than a detached home.

✅ Best for: Investors, multi-generational families

❌ Watch out for: Tenant responsibilities, shared spaces.

Other Unique Options: From Cabins to Semi-Detached

Beyond the common types, Canada also offers:

• Semi-detached homes: Two units that share one wall—a mix between townhouse and detached
• Cottages or cabins: Seasonal or year-round rural escapes, often near lakes or forests
• Modular homes: Prefabricated homes that can be more affordable and environmentally friendly

These might suit specific needs like vacationing, affordability, or aging in place.

Average Home Prices in Canada (2025 Snapshot)

Here’s what average benchmark prices look like across provinces:

Province/Territory	Avg. Price (2025)
Canada (National Avg.)	$709,218
British Columbia	$989,523
Alberta	$464,139
Ontario	$910,102
Quebec	$489,202
Nova Scotia	$399,900
New Brunswick	$286,500
Newfoundland & Labrador	$285,900
Saskatchewan	$331,500
Manitoba	$362,327
Yukon	$532,655
Northwest Territories	$519,831

---

Factors to Consider When Choosing a Home Type

Before you fall in love with a listing, think about:

• Lifestyle: Do you want to live in the city, suburbs, or countryside?
• Budget: Condos are typically cheaper upfront but come with monthly fees. Houses cost more but give long-term value.
• Family size: A growing family might quickly outgrow a condo or small townhouse.
• Maintenance needs: Want to mow lawns or pay someone else to do it?
• Investment potential: Will the home appreciate, or generate rental income?

---

Frequently Asked Questions

What’s the difference between a semi-detached and a duplex?
A semi-detached shares one wall and has separate ownership. A duplex is typically owned by one person and split into two rental units.

Are condos good for first-time buyers?
Yes, especially in urban areas. They’re more affordable and low-maintenance, making them a great entry point into homeownership.

Can I get a mortgage for a cottage or cabin?
Yes, but financing rules may differ—especially for seasonal or off-grid properties.

Wrapping It Up

Whether you’re dreaming of a peaceful home in the suburbs or a condo in the heart of the city, Canada’s housing market has something to offer. Each type of home comes with its own perks and challenges, and the right one depends on where you are in life and what you value most.

🏡 Not Sure Which Type of Home is Right for You?
Whether you’re torn between a condo in the city or a detached home in the suburbs, our mortgage experts can help match your lifestyle to the right property — and your budget to the best financing options. 🧭 Get Personalized Home Buying Advice