Co-Ownership vs. Buying Alone
Same property. Very different math.
Most people who consider co-ownership have already priced out buying alone. Here's exactly what changes when you share ownership instead.
See What Co-Ownership Actually Costs
The side-by-side.
Buying AloneFull purchase price — often $500K–$1.2M for a quality Emerald Coast property100% of taxes, insurance, HOA, and maintenanceAll decisions and all maintenance burden fall on youProperty likely sits empty most weeks of the yearNo structure for exit beyond a standard saleFull control over every decision
Co-Ownership (8 owners)One-eighth of the purchase price — roughly $65K–$150K depending on propertyOne-eighth of ongoing costs, shared and tracked transparentlyDecisions and burden shared across a compatible groupStructured usage schedule — someone is typically thereExit rights defined in advance — valuation, right of first refusal, clear processShared governance through the Operating Agreement
What you're actually trading.
The comparison isn't co-ownership being universally "better" — it's a genuine tradeoff. You give up some flexibility and full control in exchange for a fraction of the cost and a fraction of the burden. For a property you'd use a few weeks a year regardless of who owns it, that trade tends to make sense. For someone who wants to walk in whenever they want with zero coordination, it doesn't.
Why the math tends to favor co-ownership in this price range.
The $500,000 to $1.2 million range — where CoHaven groups typically buy — sits in a specific spot: expensive enough that solo ownership is a real stretch for most buyers, and large enough that a well-structured co-ownership share still gets you a genuinely nice property, not a compromise.
Below that range, solo ownership is often more achievable on its own. Above it, the numbers change again. This range is where co-ownership tends to unlock properties that would otherwise be out of reach.
Want to see the real numbers for a specific property range?
The cost guide below walks through a full example, purchase to ongoing expenses.
See What Co-Ownership Actually Costs
