Manufactured and Modular Home Quotes
Three words that are not synonyms, one federal building code, and a financing decision that costs more than the house.
Get matched nowMobile, manufactured and modular are three legally distinct things
A federal construction and safety standard took effect in 1976, and it draws a hard line: homes built to it are manufactured homes, homes built before it are mobile homes, and modular homes are built to the local building code instead. Which one you are buying changes the inspection, the financing and the insurance.
This is also one of the few housing categories where an authoritative price actually exists, published by a federal statistical agency. Our guides use it, state what it excludes, and do not stretch it into an installed total.
Understand what you are buying
Written from primary sources, with every figure linked to the page it came from.
Manufactured vs Modular vs Mobile
Three words, three legal categories. Which code applies, which one carries a HUD label, and why the difference follows the home for life.
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The HUD Code Explained
24 CFR Part 3280 is a federal building code that overrides your state's. Here is what it covers and what it puts on the home itself.
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Chattel Loans vs Mortgages
Most manufactured homes are financed as personal property, not real estate. Federal data shows what that costs in rate, term and approval odds.
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Manufactured Home Prices
The Census Bureau publishes an actual average sales price by size and region. Here it is, and here is exactly what it leaves out.
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Wind and Roof Load Zones
A manufactured home is engineered for a specific wind zone and roof load zone, and the zones it was built for are printed on the data plate.
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Land Lease Communities
You own the home and rent the lot. Federal data shows how many buyers do this and what it does to the title and the loan.
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Manufactured Home Installation
Setting the home is governed by its own federal standard, 24 CFR Part 3285, and by the manufacturer's instructions. Neither one comes with a price.
Read the guidePopular Mobile & Modular Homes searches
The services and searches homeowners bring to this category most, straight from our demand data.
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