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Mortar, or masonry mortar, is mainly used in joints and as parging for stone, brick, or cement construction. Stucco is primarily a surface material used as wall coverings. For maintenance, masonry will need repointing or replacing as damage or land shifting occurs, whereas stucco will need patching or refinishing as it tends to crack over time along with other types of wear-and-tear.

German schmear is a durable brick masonry coating. It should last at least a decade or two without flaking or fading, even with minimal maintenance. This makes it an economical option compared to the cost of painting your house exterior, which usually needs to be repainted every five to 10 years to keep it looking its best—thus costing more over the same time period.

While vinyl siding's lifespan of 20 to 40 years is impressive for the cost, other siding options can actually last much longer. Stucco siding can last 50 to 80 years when properly maintained and is only a bit more expensive than vinyl. Fiber cement is similar in that it’s a little more expensive but lasts more than twice as long. Stone and brick last the longest, often more than 100 years, but they’re the most expensive siding materials.

If you're installing stucco in a climate with extreme weather, synthetic stucco may be the only viable option, as it lasts longer, is less prone to cracking, and resists moisture better. Traditional stucco is a suitable option in hot climates where moisture and rainfall are less common, so it’s a good option for affordability both up front and over time in these areas.