I’m a real estate agent in Cache County, and I currently have a two-bedroom condo listed at $267,500—on paper, that sounds affordable. But in practice, it hasn’t been. The condo carries a $270 monthly HOA fee, and it’s located on the third floor with no elevator. Those two factors significantly impact both monthly affordability and accessibility. As a result, many buyers—especially first-time buyers, seniors, and anyone with mobility concerns—aren’t even willing to tour the property. This experience has reinforced something I see often in the market: multifamily housing is not automatically the solution to affordability. When HOA fees and design limitations are factored in, these properties can become just as costly—or less practical—than modest, standalone homes.