It may depend on the area but SFH is not necessarily associated with a HOA for one. Also, I am confused as to how HOA can interfere with one's life to a higher

It may depend on the area but SFH is not necessarily associated with a HOA for one. Also, I am confused as to how HOA can interfere with one's life to a higher degree than sharing walls. In my understanding HOAs deal with exterior and common areas, they don't have to do with anything inside. In an apartment you have the same with regards of common areas and the exterior, except you don't have any say at all and you have noises and smells coming from the neighbors. So even if you have a HOA that is as restrictive as a landlord, you are still ahead as you can do whatever you want inside, unlike in an apartment.