Some single family homes are in communities where there are no ammenities but there might be a one area dsuch as a retention basin or security gate so there is a small fee.
When there is a pool, tennis, playgrounds, gym, club house... the fee increases. There is insurance needed as well as the maintenance.
As mention by the Somerset Hills and Mr Larosa, that it is based on different associations and single family home to a townhouse. As in the single family home it is more in line with actually owning your home but in association that offer a pool and some other amenities. You are responsible snow removal and maintaining your own lawn. This gives you a sense of real ownership since your responsible for the maintance of the home.
In the case of the townhouse you will not be responsible for maintaining your home because the association fees cover the cost of lawn care and snow removal. This become more of a personal preference then cost factor. If you have a busy lifestyle then I suggest the town house but if you are a person that has time to spend then owning the home would be a better suggestion. Let me know if I can further assist you. You may contact me at 908.202.1174 or email me at danihaineshome@ live. com. Thank you and enjoy the week.