Kehen, costs can vary from $50/month to $300/month, depending on the subdivision, the amenities they offer (fitness center, pool, tennis courts), as well as what exterior maintenance items they cover (roof, exterior painting, landscaping, mowing, shoveling, etc..). All are different, so it's best when you start your search, that you at least look at all of your options on paper, to get a feel of neighborhood, amenities, and dues involved. It sounds like what you are debating between is a single family residential house and a detached villa. A villa looks like a home, is detached (no attached walls to anyone else's home), and has a front, back, and side yard, just as a single family house does. One other thing to strongly consider is your financial situation. If you are looking for a low or no money down loan program, many of those require a purchase of a single family residential home. If you haven't already spoken with a lender to get pre-approved, I would be happy to give you a couple of names of those who my buyers have been extremely happy with. Once that is done (and normally can be done over the phone in just a short time), I can get your crtieria entered into the MLS so you can see all of the options that could possibly work for you. Give me a call, text, or shoot me an email! My cell is 260-418-7117, and my email is email@example.com. You can also find me on facebook and message me through there!