Trying to choose between a Wyndham townhome and a single-family home? You’re not alone. Budget, HOA coverage, maintenance, and privacy can all point you in different directions. In this guide, you’ll see how each option stacks up in Wyndham using local data, a clear monthly cost example, and a practical checklist. Let’s dive in.
Wyndham at a glance
Wyndham is a 1,271-acre, master-planned community in Henrico’s west end with multiple neighborhoods and a mix of home types. The community is governed by the Wyndham Foundation, which manages amenities like the Swim & Racquet Club, parks, and events. The Dominion Club golf course is inside Wyndham but is a separate private club with its own membership. You also have quick access to I-64, I-295 and Route 288, and neighborhood buyers often reference Shady Grove Elementary, Short Pump Middle, and Deep Run High for zoning context. Learn more about governance and amenities on the Wyndham Foundation site.
Price in Wyndham
Recent Homes.com neighborhood snapshots show median sale prices for all home types in the low to mid $700Ks over recent 12-month windows, with median single-family prices around $799K to $820K and median townhome prices about $430K to $460K. In other words, townhomes usually offer a significantly lower entry point. Zillow’s local home-value index showed typical Wyndham values near $800K as of December 2025. See active neighborhood context on Homes.com, then verify current figures before you buy.
What that means for you: the price gap drives a big difference in down payment, mortgage size, and qualifying income. If you want the lowest monthly payment, a Wyndham townhome will typically get you there faster than a detached home.
HOA fees and coverage
Wyndham is managed by the master association (the Wyndham Foundation). Fees vary by sub-neighborhood and home type. Listing disclosures in Wyndham commonly show quarterly HOA dues from under $100 to $250+ per quarter, and they specify what’s included, such as common-area upkeep, trash, pool and recreation, snow removal, and sometimes exterior items. As one example of neighborhood fee context, see this Wyndham listing page on Compass.
- Townhomes in Wyndham often include exterior maintenance and landscaping in the dues, which reduces your time commitment.
- Single-family homes may still pay into the master HOA, but owners usually handle more of their own yard and exterior maintenance, subject to neighborhood rules.
Always review the specific “what’s covered” list for your address with the HOA packet.
Ongoing costs: taxes and insurance
- Property taxes. Henrico County’s real estate tax rate has been reported at $0.85 per $100 of assessed value, with FY26 discussions proposing a reduction to $0.83. Calculate your estimate using the county rate and the property’s assessed value at purchase. See local coverage on VPM.
- Insurance. Detached homes generally use an HO-3 policy that covers the full structure. Townhomes and condos commonly use an HO-6 policy that covers “walls-in,” personal property, liability, and loss-assessment while the association’s master policy covers common areas and some exterior items. Confirm the master policy type (walls-in, bare-walls, or all-in) before setting limits. For a clear overview, see this HO-3 vs HO-6 guide.
- Special assessments. Ask for audited financials and the reserve-study summary. Low dues can hide underfunded reserves that may lead to special assessments, especially in communities with shared amenities. The Wyndham Foundation can provide association documents for participating neighborhoods.
Maintenance and lifestyle
- Townhomes: Typically lower exterior and yard work because the HOA handles common landscaping and some exterior upkeep. This suits a low-maintenance or frequent-travel lifestyle.
- Single-family: More privacy, no shared walls, and usually more freedom for additions or exterior changes, subject to architectural rules. For yard space, gardens, or outdoor projects, a detached home fits better. For development background, review the Wyndham case study.
Privacy, layout and parking
In Wyndham, many detached homes sit on roughly quarter- to half-acre lots, often on cul-de-sacs. Townhomes are denser, with smaller private yards and shared walls. Consider your sound tolerance, the outdoor space you want, and parking needs, including garage size and guest parking options.
Monthly cost example
Below is an illustrative, side-by-side example using figures from the research brief. Rerun with your lender’s current rate, the property’s actual assessed value, and the exact HOA for the address.
Assumptions used:
- Median single-family price: $820,500 (recent Homes.com neighborhood median)
- Median townhome price: $436,375 (recent Homes.com neighborhood median)
- Down payment: 20%; 30-year fixed at 6.0% (example rate)
- Henrico tax rate: 0.85% of value
- Example HOA: $174 per quarter ($58 per month) for illustration only
- Insurance (illustrative national averages via industry summaries): HO-3 ≈ $1,272/yr, HO-6 ≈ $512/yr
Computed example totals per month:
- Single-family: Principal and interest ≈ $3,935.45; taxes ≈ $581.19; HOA ≈ $58; insurance ≈ $106. Total ≈ $4,680.64/month.
- Townhome: Principal and interest ≈ $2,093.03; taxes ≈ $309.10; HOA ≈ $58; insurance ≈ $43. Total ≈ $2,502.80/month.
In this scenario, the townhome is about $2,178 less per month. The largest drivers are purchase price and property tax. HOA and insurance matter, but they are usually secondary to the loan amount.
Resale and market signals
Wyndham has been a sought-after west-end address. Recent neighborhood snapshots show relatively quick sales, with typical days on market in the low 20s and tight inventory near 1.4 to 1.8 months. That favors sellers and creates competitive pricing, especially for well-located single-family homes. Townhomes trade at lower absolute prices and draw a different buyer pool. Check recent comps on Homes.com and have your agent refine the analysis by product type and price band.
If you plan to hold long term and want land plus structure, detached homes are often viewed favorably for appreciation in suburban markets, but results vary by location and price tier. If affordability, low maintenance, or a 3 to 7-year horizon rank higher, a well-located townhome can be a strong fit.
Decision guide: quick match-ups
- You want a lower monthly payment and a simpler lifestyle: consider a townhome.
- You prefer more privacy, yard space, and flexibility for projects: consider a single-family home.
- You travel often and want lock-and-leave ease: consider a townhome.
- You expect to customize or add outdoor features over time: consider a single-family home.
- You value the lowest entry price in Wyndham: consider a townhome.
Wyndham buyer checklist
Request and review these before you commit:
- Resale disclosure packet under Virginia law. Review timelines, fees, and your rights. See an overview of recent changes to Virginia association law from Woods Rogers.
- Association governing documents. Declaration, bylaws, and rules to confirm exterior change rules, rental limits, pet policies, and parking. Ask the Wyndham Foundation.
- Budget, audited financials, and reserve-study summary. Check reserve health and recent capital projects.
- Insurance summary. Confirm the master policy type and deductibles to size your HO-6 or HO-3 correctly. See the HO-3 vs HO-6 guide.
- Recent meeting minutes and disclosures. Look for pending litigation or special assessments under discussion.
- Sample recent service invoices. Landscaping, pool maintenance, and snow removal help you understand recurring costs. As a reference point for HOA context, review another Wyndham listing page on Compass.
Key questions to ask:
- Who pays for roof replacement, exterior painting, and driveway repair for this address, the owner or the HOA?
- Is the Swim & Racquet Club included in dues, and is The Dominion Club separate?
- Are there rental restrictions if you decide to rent later?
- What is the 5 to 10-year history of special assessments?
Ready to compare specific homes and run exact numbers? Reach out to Adam Tuck for a quick Wyndham consult. Ask about buyer cash-back and our Heroes program for teachers, first responders, medical professionals, and military. We’ll help you price the options, request the right documents, and negotiate with confidence.
FAQs
What’s the difference between Wyndham’s HOA and The Dominion Club?
- The Wyndham Foundation is the master association that manages community amenities and services, while The Dominion Club is a separate private golf and country club with its own membership and fees.
How much are typical Wyndham HOA fees?
- Listings show a wide range by neighborhood and property type, often under $100 to $250+ per quarter, with coverage that can include common-area upkeep, trash, recreation facilities, and sometimes exterior items.
What taxes and insurance should I budget for in Henrico?
- Use Henrico’s reported real estate tax rate of $0.85 per $100 of assessed value for estimates and get quotes for an HO-3 policy on detached homes or an HO-6 policy for townhomes, depending on the HOA’s master policy.
Do Wyndham townhomes usually include exterior maintenance?
- Many do include exterior and landscaping services within the HOA dues, but coverage varies by sub-neighborhood, so confirm the specific inclusions for the address in the resale packet.
Which holds value better in Wyndham, a townhome or a single-family?
- Detached homes are often favored for long-term appreciation in suburban areas, but results vary by location and price tier. Compare recent, like-kind comps within Wyndham to decide for your timeline and budget.
