Sectional title property is the fastest growing sector within the housing market, particularly in major Gauteng, Cape and KZN metros where it now comprises up to 30-40% of all transactions. These properties are particularly sought-after by first-time buyers and those looking to downscale.
It is one of the most exciting growth sectors in the market, according to Samuel Seeff, chairman of the Seeff Property Group. Factors such as urbanisation and the need for more urban accommodation combined with affordability and ease of living all contribute to the demand, he says.
Developers are responding by increasing the stock of apartments, townhouses, and clusters within secure complexes. Many of these developments now offer shared amenities such as gardens, pools, sports and recreation areas, and advanced security, which individual homeowners may not otherwise have access to, he says.
For many buyers, a sectional title is the most financially accessible way to enter the property market, as costs such as maintenance and insurance are shared through a monthly levy. These properties are also highly sought-after for rentals, and offer excellent investment value.
Key differences between sectional title and freehold properties
Seeff highlights key differences when purchasing sectional title compared to freehold homes:
- Buying into a community: You own your unit, but all common areas are co-owned.
- Body Corporate management: Every owner is part of a Body Corporate, which elects a Board of Trustees to manage maintenance, rules, and levies.
- Shared costs: Monthly levies cover security, insurance, garden services, and special levies may be raised for major projects.
- Maintenance and lifestyle: Exterior upkeep is shared, giving owners more time for themselves.
- Complex rules: Conduct rules govern noise, pets, parking, and communal areas; buyers should review these carefully.
- Selling and renting: Ensure all levies are paid before selling; landlords are responsible for tenant compliance.
Practical considerations in 2025
While Seeff provides the market overview and ownership basics, other experts add current context:
- Water costs and utilities: “With water costs rising every year, ST owners are increasingly recognising the benefits of individual water meters - and especially pre-paid meters - to help them control water usage,” says Andrew Schaefer, MD of property management company Trafalgar. Trustees must follow proper procedures when installing meters.
- Affordability and security: Antonie Goosen, principal and founder of Meridian Realty, notes that sectional title units are more affordable than freehold homes, as costs for maintenance, security, and common services are shared. “Interest rate uncertainty, rising municipal rates, and growing utility bills are forcing many buyers to downscale or rethink the type of property they want,” he says.
- Lifestyle appeal: Goosen also emphasises the “lock-up-and-go” convenience. “People are travelling more, commuting between cities, or working remotely. A townhouse or apartment in a well-managed complex allows them to come and go with minimal worry about maintenance or security.”
- Urban convenience: Policies promoting urban densification encourage developments near schools, work hubs, and shopping centres. “Buyers want convenience, and sectional title homes make that possible,” adds Goosen.
Financial and legal due diligence
Goosen cautions that buyers must understand the role of the Body Corporate, monthly levies, and potential special levies. “Levies cover insurance, maintenance of common property, security, and administrative costs, but they can increase annually, and owners have no choice but to pay them. Special levies, which are raised for major repairs or improvements, can come as a nasty surprise.”
He also advises reviewing financial statements, maintenance plans, and reserve funds. “An underfunded scheme can become a financial burden down the line. Ask for the financials, read the conduct rules, and speak to existing owners if possible.”
Community living and market outlook
Sectional title living requires co-existence with other owners. “From noise complaints to disputes about common property use, you need to be prepared to live as part of a community. Well-managed complexes usually handle these issues swiftly and fairly,” says Goosen.
Looking ahead, sectional title properties will continue to perform well due to affordability, urbanisation, and ongoing demand for compact, low-maintenance homes. “Location is key - units in high-demand areas near good schools or transport routes will hold or grow their value better,” Goosen adds. Older, well-located units with low levies can also offer strong value.
