Co-Op vs. Condo

In New York City, condos and co-ops may look similar from the outside, but the ownership structures are very different.

Co-Ops

Cooperatives, or co-ops, are a hallmark of classic New York living. Instead of owning real property, buyers purchase shares in a corporation that owns the building, granting them a proprietary lease for their apartment. Co-ops often feature elegant prewar architecture, a strong sense of community, and careful board oversight - offering privacy, stability, and exclusivity that appeal to many long-term residents.

Condos

Condominiums offer a more modern and flexible form of ownership. Buyers hold the title to their individual unit, allowing greater freedom to sell, rent, or renovate with fewer restrictions. Many condo buildings feature full-service amenities, contemporary finishes, and streamlined approvals - appealing to both primary residents and investors seeking ease, privacy, and long-term value.

Co-op vs. Condo

Cost & Monthly Payments
Culture & Ownership Type
Supply
Approval Process
Tax Benefits & Investor Friendly
Re-Selling & Renting Out
Co-ops are typically cheaper on the market. They have monthly "maintenance" that includes taxes.
Condos are typically more expensive on the market. They have "common charges" and your taxes are paid separately.
Most co-ops are owner-occupied and are more controlled. The ownership is indirect.
Condos are more laid back and include a mix of owners and renters. The ownership is direct as the buyer owns real property.
75% of NYC's housing include co-ops.
Most condos in NYC where built after the 1980s.
Co-ops have a very strict and thorough approval process. The board typically requires a personal interview.
Condos have a less rigorous process and are quicker to approve.
Some tax deductions can be taken for the co-op owner's share. Most co-ops are rarely investor friendly.
Tax abatements programs keep taxes low for condos for about 10 years. Condos are typically more investor friendly.
New co-op buyers must be approved and the seller must pay the flip tax. Renting is often limited, if allowed at all.
Condo new buyers can rarely be denied and renting is easy and unrestricted.

Experience the Difference

Navigating the New York market requires expertise and strategy. Whether you’re buying, selling, or investing, our team provides data-driven insights and personalized guidance to help you achieve your goals. Let’s make your next move a success.