Many Kinds of Homes

Population density, topography, climate, history, and ethnic heritage all can have an impact on your choice of housing.

If you choose a particular school district in a small county, for example, you may have to rule out buying a condominium, townhouse or cooperative apartment. You'll have to buy the single-family detached dwelling best suited to your needs.

Are you thinking about buying a manufactured home? Local zoning laws may dictate where you can live and limit your choices.

Large metropolitan areas usually offer a mix of homes. But in expensive locales, the middle-budget home buyer may be forced to choose between a small, close-in condo and a detached home far from work.

Here's a brief rundown of the possibilities, with some pros and cons to jog your thinking:

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