twofamily

Two-family refers to a residential building designed to accommodate two separate households. The term is commonly used in North American real estate to describe either a duplex, where two units share a single structure, or two attached homes with a shared wall or lot. Each unit typically has its own kitchen, living space, bedrooms, and bathrooms, and may include separate entrances and utility systems, though configurations vary by design.

Two-family dwellings are often used as an investment or as owner-occupied housing with an income unit. They can provide rental income while allowing the owner to live in one unit, or be fully rented. Financing and insurance for two-family properties may differ from single-family homes, with lenders evaluating occupancy status, down payments, and mortgage terms accordingly. Zoning regulations govern whether a lot may be used for two-family housing and can specify requirements such as lot size, setbacks, parking, and density. Building codes typically require fire separation between units, independent egress, and appropriate safety standards.

In urban planning, two-family housing offers a balance between higher density and single-family living, contributing to neighborhood diversity and affordability in some markets. They remain common in many cities with historic row, townhouse, and duplex developments, and continue to be adapted for contemporary needs, including energy efficiency and modern layouts.

See also: duplex, multi-family housing, townhouse.