Buying a duplex vs buying a house | Finder

Buying a duplex vs buying a house

Is a duplex or a house a better option for your family? Find out here.

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

Buying a duplex vs buying a house feature

With property prices at astronomical levels in some of Australia’s major capital cities, homebuyers are looking for alternatives to allow them to purchase a property in the area they want, but at an affordable price. One way to do this is to buy a duplex.

Duplexes can allow you to afford a modern home in a desirable area, but they do have a range of drawbacks and certainly aren’t the perfect solution for all buyers.

What is a duplex?

A duplex is two residential homes that are situated on the same property and that share a common central wall. In other words, it’s a single building with two separate residences within. Each home has its own driveway, entrance, garden, backyard, bedrooms, kitchen, bathroom and everything else you’d expect to find in a detached house.

Both homes in a duplex building are constructed at the same time, but they may be sold together or separately depending on how the building is titled. If the building is strata-titled, each individual dwelling can be owned and sold separately. If the building is not strata-titled, both duplex homes can only be sold together.

Finally, the homes in a duplex will usually have separate postal addresses, for example 2a and 2b Smith Street.

Pros and cons of buying a duplex


  • Cheap. Buying a duplex is a much cheaper option than buying a house and in many areas it’s possible to get a duplex for half the cost of a fully detached house. In addition, there are usually none of the body corporate fees associated with owning an apartment.
  • Buy in premium areas. The reduced price tag of duplex homes could make it possible for you to buy in a highly sought-after area without breaking your budget.
  • Most of the benefits of a house. Despite their low prices, duplexes offer ample space, a backyard for pets and many of the other advantages of owning a house.
  • Low maintenance. If you only own one dwelling in a duplex then you will only own half of the block of land, which means less lawn space to mow and less time spent maintaining the garden.
  • Value increase. Buying a duplex means you own a piece of land, which can often help the value of your property appreciate quicker than if you own an apartment.
  • Dual-living capability. If you purchase both dwellings in a duplex, you can live in one home and let elderly relatives or perhaps mature children live in the other. Alternatively, you can lease out one of the dwellings to provide rental income.
  • Only one close neighbour. Unlike living in a high-rise apartment, where you’re forced to share with scores of other residents, duplex living means you only have one set of close neighbours.
  • Security. Having a close neighbour living on just the other side of the wall can provide extra security without getting in each other’s way.


  • Proximity to neighbours. There’s no getting away from the fact that you will live in very close quarters to your immediate neighbours. This can be a big turn-off for some people.
  • External renovations and insurance. You’ll need to get approval from your neighbour if you want to make changes to the external facade or any common areas of the property. You will also need to agree on an insurance policy that covers both dwellings.
  • Not as big as a house. Duplexes do not provide the same room to move as houses do, either indoors or out.
  • Living next door to your tenants. If you do decide to buy the entire duplex and rent out one dwelling, keep in mind that you’ll be living next door to your tenants.

What you should be aware of when buying a duplex

There are several factors you should be aware of before buying a duplex, so let’s take a closer look at each of these issues below.

How the duplex is titled

This is an important factor as it will determine whether the two properties can be sold separately or together. Duplexes on one title traditionally tend to be harder to sell because the market is narrowed to owner-occupier investors or owner-occupiers who want to offer the second dwelling to family members.

Everything you need to know about property titles

Different configurations

Duplexes come in a variety of configurations, the most common of which sees the two homes sitting side by side and separated by a common wall in the middle. These properties are usually one or even two storeys. However, there are some two-storey properties where the floor between the two storeys separates the two dwellings.

Some duplexes are set out where one home is at the back of the block of land and the other is at the front. This can create issues with the residents of the back property walking past the front property as they come and go at all hours of the day or night, and is an issue to be aware of before you buy.

Make sure there’s easy access to both properties in a duplex, including to the backyard, without disturbing your neighbours.

Building insurance

One of the quirks of owning a dwelling within a duplex is that the owners of each separate home will need to agree on a building insurance policy that covers both dwellings within the building. This will require you and your neighbour to join forces and come to an agreement, while you will also need to share expenses for the maintenance and upkeep of any common property.

Meeting the neighbours

Another key factor to consider is the importance of meeting your neighbours before you move in. Even though you’re in separate homes, you’re probably going to spend several years living in very close proximity to the people living in the adjoining duplex home, so it’s vital that you know what you’re getting yourself into before you buy.

Noisy or annoying neighbours can make your life hell, while neighbours who don’t keep up with the maintenance of their property can drag the value of your home down. Make sure you meet them before you sign the contract, as you’ll need to be able to live side by side with them and also come to agreements about insurance, renovation plans and the like.

The local area

It’s also important to consider the property market in the local area before buying a duplex. If there’s a large number of other duplexes in the same suburb, you may not be able to enjoy as much capital gain as you would like. But if the duplex is a rare commodity in that particular area, it will be easier to sell in the future.

Learn how to research suburbs

Need a home loan? Start comparing

Data updated regularly
Name Product Interest Rate (p.a.) Comp. Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment
Westpac Flexi First Option Home Loan
$8 monthly ($96 p.a.)
Up to $3,000 refinance cashback.
A flexible and competitive variable rate loan. Eligible borrowers refinancing $250,000 or more can get $2,000 cashback per property plus a bonus $1,000 for their first application. Other conditions apply.
St.George Fixed Rate Advantage Package
$395 p.a.
Up to $4,000 refinance cashback
Borrowers with 20% deposits or equity can get this competitive fixed rate loan. Refinancers borrowing $250,000 or more can get up to $4,000 cashback (Other terms, conditions and exclusions apply).
HSBC Fixed Rate Home Loan Package
$390 p.a.
$3,288 refinance cashback offer
Lock in a low fixed rate for 2 years and buy your home with a 20% deposit. Eligible refinancers borrowing $250,000 or more can get a $3,288 cashback. Terms and conditions apply.
UBank UHomeLoan Fixed
$0 p.a.
This very low fixed rate is only available until 29 April 2021. Other conditions apply. A competitive fixed rate loan with no ongoing fees. Requires a 20% deposit
Westpac Fixed Option Home Loan Premier Advantage Package
$395 p.a.
Up to $3,000 refinance cashback.
Eligible borrowers refinancing $250,000 or more can get up to $3,000 cashback. Other conditions apply.
St.George Basic Home Loan
$0 p.a.
Up to $4,000 refinance cashback
Get this low-rate variable loan with a 20% deposit and pay $0 application fee. Borrow from $150k (or $250k to be eligible for the cashback offer) (terms, conditions & exclusions apply).
Suncorp Home Package Plus Fixed
$0 p.a.
Lock in a low fixed rate loan for two years and get the annual package fee waived in the first year. Available for borrowers with 20% deposits.
Athena Variable Home  Loan
$0 p.a.
Owner occupiers with 40% deposits or equity can get this competitive variable rate loan. No upfront or ongoing fees. Smart Booster Discount Variable Home Loan
$0 p.a.
Home buyers can get a very low discounted variable rate for the first year. This loan has a revert rate of 2.48%. Requires a 20% deposit. Add an offset account for an additional 0.10% on your interest rate.
AMP Bank Professional Package Fixed Loan
$0 p.a.
Get a low fixed rate package with no application or settlement fee. Available with a 20% deposit. Other fees and charges apply.

Compare up to 4 providers

Image: Shutterstock

More guides on Finder

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

2 Responses

    Default Gravatar
    JennyMarch 5, 2018

    If a duplex is meant to be cheaper than a house then why are new ones in my suburb costing the same as a house? Mind you that is only for 1 duplex! The avg cost of a house is 800-850. They’re asking price for 1 duplex off the plan is 850k. I don’t understand??

      Avatarfinder Customer Care
      MayMarch 6, 2018Staff

      Hi Jenny,

      Thanks for your comment.

      Property prices depend on multiple factors, including location, land size, quality of materials, and how new the development is. In some cases, a brand new duplex may have a higher price than a free-standing house, but it’s important to do your homework and make sure you’re not paying more than you should.”

      If you need expert help with the buying process, you may like to read our guide in choosing a buyer’s agent. Hope this can help.