House and home in depth
A2 covers basic rooms and furniture. B1 covers the systems around the home: how renting works (lease, deposit, utilities), how buying works (mortgage, down payment, HOA), the rooms American homes have that aren’t in A2 textbooks (walk-in closet, half-bath, finished basement, pantry), and the appliances and infrastructure.
US housing language has its own quirks: first floor = ground floor (causing endless confusion with Europeans), apartment ≠ flat, yard ≠ garden. This lesson covers all of it.
Housing types
Where Americans live
| Type | What it is |
|---|---|
| house | standalone single-family home |
| single-family home | the classic suburban house |
| townhouse / townhome | row house, shares walls with neighbors |
| duplex | two attached units |
| condo / condominium | privately owned unit in a multi-unit building (you own the unit, share common areas) |
| apartment (US) | rented unit in a building (the BrE flat) |
| studio | apartment with no separate bedroom |
| one-bedroom / two-bedroom / “1BR / 2BR” | by bedroom count |
| loft | open-plan apartment, often with industrial feel |
| co-op / cooperative | you own shares of the building (mostly NYC) |
| trailer / mobile home | manufactured home on wheels or a foundation |
| tiny house | very small standalone home (trend) |
| vacation home / second home | not your primary residence |
Where the housing is
- suburban / suburb — outside the city, residential
- urban / city / downtown — in the city
- rural / countryside — out in the country
- gated community — private neighborhood with a gate
- subdivision — a planned residential development
- HOA neighborhood — has a homeowners association with rules
- historic district — old, protected
- walkable neighborhood — can do errands on foot (rare in US)
- car-dependent — need a car for everything (most US suburbs)
Renting in the US
This vocabulary is essential for anyone living in the US. The system is dense and there are many gotchas.
The arrangement
| Term | Meaning |
|---|---|
| rent (verb / noun) | pay to live there / the monthly payment |
| lease | the rental contract, usually 12 months |
| lease agreement | the formal document |
| tenant | the renter |
| landlord / landlady | the owner |
| property manager / property management company | hired to manage rentals |
| roommate / housemate | someone you share with |
| co-signer / guarantor | someone with credit who backs your lease |
| rental | the property itself |
| listing | advertised rental |
| broker / leasing agent | professional helping with rentals |
| broker fee | what brokers charge (NYC: huge — often 1 month’s rent or 12-15% of annual!) |
| subletting | renting your place to someone else |
| renew the lease | extend for another period |
| renters insurance | insurance on your belongings (~$15/month, often required) |
Money you pay
- rent — monthly payment
- first and last (month) — first month + last month upfront (common in some cities)
- security deposit / deposit — refundable money upfront against damage
- broker fee — paid once, often non-refundable
- application fee — to apply for the unit
- pet deposit / pet rent — extra for pets
- utilities — gas, electric, water, internet, trash (sometimes included, sometimes not)
- rent control / rent-stabilized — government-regulated rent caps (NYC, SF)
Utilities
| Utility | Notes |
|---|---|
| electric / electricity | power |
| gas / natural gas | heat, cooking (sometimes electric only) |
| water / sewer | water and waste |
| trash / garbage | trash collection |
| internet | broadband (Comcast, Spectrum, Verizon Fios) |
| cable | TV (declining — most use streaming) |
| WiFi | wireless internet |
| heat / heating | included or separate; if separate, you pay |
| A/C / air conditioning | included or you provide window units |
| hot water | sometimes separate utility |
The phrase “utilities included” in a listing means the rent covers some/all of the above — read carefully which.
Useful renting phrases
- Is this place pet-friendly?
- What’s included in the rent?
- Are utilities covered?
- When is the lease up? / When does the lease end?
- I’m month-to-month. (= no fixed lease, can leave with 30-day notice)
- I’m subletting from a friend.
- We’re looking for a third roommate.
- I just signed a lease for a 1BR in Brooklyn.
Buying — homeownership vocabulary
| Term | Meaning |
|---|---|
| mortgage | loan to buy the home |
| down payment | upfront cash, typically 5-20% of the price |
| closing / closing costs | finalization of the sale + associated fees |
| escrow | money held by a third party during the transaction |
| realtor / real estate agent | licensed sales agent helping you buy |
| listing agent vs buyer’s agent | seller’s side vs buyer’s side |
| MLS | the multiple listing service (database of homes) |
| open house | scheduled time anyone can tour |
| showing | private tour |
| make an offer | propose a price |
| counteroffer | seller’s response |
| under contract / pending | offer accepted, sale in process |
| closed / closed escrow | sale finalized, you own it |
| inspection / home inspection | professional check of condition |
| appraisal | professional valuation |
| HOA / HOA fees | homeowners association monthly dues + rules |
| property tax | annual tax to the municipality |
| homeowners insurance | required by lenders |
| PMI | private mortgage insurance (if down payment is under 20%) |
| interest rate / APR | cost of the loan |
| fixed-rate vs adjustable-rate | rate stays / rate changes |
| 15-year / 30-year mortgage | loan duration |
| refinance / refi | replace your mortgage with a better one |
| equity | how much of the home you own |
| flip | buy, renovate, sell quickly |
| starter home | small first home |
| forever home | the one you plan to stay in |
Useful chunks:
- We’re looking for a starter home in the suburbs.
- Closing costs are around 2-5% of the purchase price.
- We’re getting pre-approved for a mortgage.
- The HOA fees are $400 a month.
- We made an offer above asking.
Rooms — beyond A2
A2 covers bedroom, bathroom, kitchen, living room. B1 fills out a real American home.
| Room | What it is |
|---|---|
| master bedroom / primary bedroom | the main bedroom, typically with attached bathroom |
| guest room / spare room | extra bedroom for visitors |
| walk-in closet | closet you can walk into (status symbol in US listings) |
| regular closet / reach-in closet | normal closet |
| half-bath / powder room | bathroom with toilet + sink, no shower/tub |
| full bath | toilet + sink + tub/shower |
| master bath / en-suite | bathroom attached to a bedroom |
| basement | underground level |
| finished basement | basement turned into livable space |
| unfinished basement | bare basement, used for storage |
| attic | space under the roof |
| garage | for cars / storage |
| mudroom | entry room for muddy boots, coats |
| laundry room | where the washer/dryer are |
| pantry | small storage room for food |
| walk-in pantry | full-size food storage |
| dining room | formal eating area |
| breakfast nook | small casual eating area |
| family room / den | informal living space |
| rec room | recreation room |
| office / home office | work space |
| loft | open upper space |
| foyer / entryway | entry area |
| hallway / hall | corridor |
| stairwell / staircase / stairs | between floors |
Listings often quantify a home as 3BR/2.5BA (3 bedrooms, 2 full + 1 half bathroom).
Outside the house
- yard / front yard / backyard — grass area (in US English; UK uses garden)
- garden — in US specifically means a planted area (vegetable garden, flower garden), not the whole grass area
- lawn — the grass itself
- driveway — private road from street to garage
- patio / deck — outdoor sitting area (deck = wood, often raised)
- porch / front porch — covered entry sitting area
- fence — boundary
- shed — small storage building
- pool / swimming pool — backyard pool
- mailbox — at the curb or attached
AmE/BrE difference: in the US, yard = the outdoor grass area around your house (BrE: garden). In US, garden specifically means a place where you plant flowers or vegetables (a small subset of the yard). So a US listing saying “fenced backyard” describes the open grass area, not a flower garden. Brits/Russians often confuse this.
Floors and orientation
The classic confusion:
| US (AmE) | UK (BrE) | What it is |
|---|---|---|
| first floor | ground floor | street-level floor |
| second floor | first floor | one up from street |
| third floor | second floor | two up |
| basement | basement / cellar | below ground |
Americans count from the street level as “first”. Brits count from the floor above the street as “first”. Be careful in elevators in international buildings.
- upstairs / downstairs — higher / lower floor
- on the ground level — street level (sometimes used in US)
- rooftop / roof — top
- ceiling vs floor — top of room / bottom of room
Appliances and fixtures
The standard US apartment/house comes with:
| Appliance | What |
|---|---|
| fridge / refrigerator | cold storage |
| freezer | frozen food storage (often combined with fridge) |
| stove / range / cooktop | for cooking |
| oven | for baking/roasting |
| microwave / microwave oven | quick heating |
| dishwasher | washes dishes |
| garbage disposal | grinder in the kitchen sink |
| washer / washing machine | for clothes |
| dryer | drying clothes (US homes typically have one — UK doesn’t always) |
| A/C unit / window unit | air conditioning |
| central air / central A/C | whole-home cooling |
| furnace | central heating |
| thermostat | controls heat/cool |
| water heater | heats water |
| sump pump | basement water management |
| smoke detector | fire alarm |
| carbon monoxide detector | CO alarm (legally required many places) |
| garage door opener | the remote system |
| vacuum / vacuum cleaner | for floors |
| toaster / toaster oven | for toasting / small baking |
| coffee maker | brews coffee |
| blender / food processor | for purees / chopping |
Smart home
- smart thermostat / Nest — programmable temperature control
- Ring / smart doorbell — video doorbell
- smart lock — keyless entry
- smart speaker / Alexa / Google Home — voice assistant
Common home issues — things that go wrong
- leak / leaky — water dripping (The faucet is leaky)
- clogged / clog — blocked (The drain is clogged)
- broken / busted — not working
- jammed — stuck (door, lock)
- stuck — won’t move
- flooded — full of water
- drafty — cold air gets in
- moldy / mold — fungus
- mildew — surface mold
- rot / rotten — decay (wood)
- infestation (bugs, mice, roaches) — pests in numbers
- roach / cockroach — common urban pest
- mice / mouse — rodents
- bedbugs — feared infestation
- out of order — not working (often elevators)
- fixer-upper — needs work
- move-in ready — perfect condition
Verbs
- fix / repair — make it work
- call a plumber / electrician / handyman / super (superintendent) — pros to fix things
- submit a maintenance request / put in a work order — ask landlord to fix
- DIY / do it yourself — fix yourself
- renovate / redo / remodel — major work
- paint — repaint walls
- upgrade — improve a system
Moving
- move in / move out — change residence
- move-in date — when you arrive
- moving truck / U-Haul — rental truck
- movers / moving company — pros who help
- pack / unpack — bag up / unbag
- boxes / packing materials
- change of address (USPS) — mail forwarding
- forwarding address — where to send your mail
- sublet your place — rent it out short-term
- walkthrough — final inspection at move-out
- get your deposit back — recover the security deposit
Collocations
- pay rent / utilities / a deposit / a mortgage
- sign a lease / a contract
- break a lease (= leave early, often penalized)
- renew a lease
- make an offer / repairs / a payment
- put down a deposit / 20%
- furnish / unfurnished / furnished — has/lacks furniture
- move in / move out / move up / move out of state
- fix up the place
- kick someone out / evict — force out
- own / rent / lease — possession types
- be on the market — for sale
- off the market — sold or not for sale
- sold above / below asking — the negotiation outcome
Phrases and expressions
- home sweet home — pleasure of being home
- make yourself at home — feel comfortable
- pull up a chair — join us
- a roof over your head — basic shelter
- a place of your own — independence
- the housing market — overall buying/selling environment
- a buyer’s / seller’s market — favors buyer / seller
- break ground — begin construction
- move heaven and earth — go to extremes (idiom, not housing-specific)
- putting down roots — settling in for the long term
- outgrown the place — gotten too big for it
US-specific summary
| AmE | BrE / general |
|---|---|
| apartment | flat |
| condo / condominium | flat (privately owned) |
| yard | garden |
| garden | (specific planted area) flower / vegetable garden |
| first floor | ground floor |
| second floor | first floor |
| backyard | back garden |
| closet | wardrobe / cupboard |
| trash / garbage | rubbish / bin |
| trash can / garbage can | bin / dustbin |
| faucet | tap |
| stove / range | cooker / hob |
| washing machine / washer | washing machine |
| dryer | tumble dryer |
| superintendent / super (apartment building) | caretaker / porter |
Common Russian-speaker mistakes
- Flat used in US contexts. Use apartment. Flat sounds British. Americans rarely use it.
- Garden meaning yard. In US, the grass-and-trees area around your house is the yard. Garden = a specific planted area within it (vegetable garden, herb garden, flower garden). Don’t say We sat in the garden meaning the lawn — say backyard.
- On the first floor meaning ground floor. In US, first floor = ground floor. So the cafe is on the first floor in a US building means street-level. In Russian/UK convention, this would be the second floor in the US. Always confirm if you’re in an international building.
- Quarter meaning room or apartment** (false friend). Russian квартира doesn’t translate as quarter. Quarter in English = a fourth, or a city district, or a US 25-cent coin. For an apartment, say apartment.
- Plate on a stove (false friend). The cooking surface in Russian плита doesn’t translate as plate. In US say stovetop / cooktop / burner / range.
- Receiver / toilet mix. The room with the toilet is the bathroom in US English, even when there’s no bath. Don’t ask Where’s the toilet? in a private home — it’s not rude, just slightly off; ask Where’s the bathroom? In a public place, Where’s the restroom? is most polite.
- Make a repair (calque). Use fix something / get something fixed / do repairs / make repairs (only in formal/contractor contexts). Casual: I need to fix the door.
- Pay for the apartment for pay rent** confusion**. Say pay rent / pay the rent — not pay for the apartment (which sounds like a one-time purchase).
- Living room vs hall confusion. The main relaxing room in US is the living room. Hall in US = a corridor or entrance area, NOT the main room. (BrE hall can mean a large room.)
- House used too broadly. In US, house specifically = a standalone single-family home. If you live in an apartment, don’t say my house — say my apartment / my place. Place is the universal informal word: come over to my place.
Summary
- US housing types: house, single-family home, townhouse, condo, apartment, studio, 1BR/2BR.
- Renting: lease, tenant, landlord, security deposit, broker fee, utilities, sublet, month-to-month, renters insurance.
- Buying: mortgage, down payment, closing, realtor, HOA, property tax, escrow, equity, refi.
- Rooms: master bedroom, walk-in closet, half-bath, finished basement, attic, garage, pantry, mudroom.
- Outside: yard / front yard / backyard, lawn, driveway, patio, deck, porch.
- Critical AmE: first floor = ground floor, yard ≠ garden, apartment ≠ flat.
- Appliances: dishwasher, garbage disposal, washer/dryer, A/C unit, thermostat, microwave.
- Issues: leak, clog, broken, jammed, stuck, flooded, mold, infestation.
- Verbs: fix, repair, renovate, remodel, sublet, evict, move in/out, sign a lease, break a lease.
That’s the end of the Vocabulary themes module. Next module: Phrasal verbs — the 100+ multi-word verbs that turn textbook English into real conversation.
A2: Home and accommodation B2: Housing and urban planning