Manufactured Housing News

When searching for affordable housing options, you might come across the terms "manufactured home" and "mobile home." While these words are often used interchangeably, they refer to slightly different types of housing. Understanding their differences can help you make informed decisions when purchasing or leasing a home.

What is a Mobile Home?

A mobile home refers to a structure built before June 15, 1976. These homes were constructed with minimal building standards and were usually considered temporary housing solutions. They were typically built on steel frames and designed to be transported to a site where they could be set up on blocks, piers, or even wheels for easy relocation.

Mobile homes became popular in the mid-20th century as an affordable housing option, especially for people needing a semi-permanent residence. However, because these homes were built with varying levels of quality and safety, the federal government eventually enforced stricter regulations.

Related: Are Mobile Homes a Good Investment?

What is a Manufactured Home?

A manufactured home is a prefabricated home built after June 15, 1976, following the U.S. Department of Housing and Urban Development (HUD) Code. These homes have to meet strict federal standards for safety, durability, energy efficiency, and design. Unlike mobile homes, manufactured homes are built in a controlled factory environment to ensure consistent quality.

Manufactured homes are still designed for transportation, but once they’re placed on a permanent foundation, they can become real property rather than personal property. Many manufactured homes today feature modern designs, upgraded interiors, and even multi-section layouts that create a more traditional feel. For example, a single-wide manufactured home today is almost unrecognizable from one that is 20 or 30 years old.

Benefits of Manufactured Homes Over Mobile Homes

1. Higher Safety Standards – Manufactured homes meet strict HUD requirements, making them more resistant to fire, wind, and structural damage.
2. Better Energy Efficiency – Newer materials and construction methods improve insulation, reducing energy costs.
3. Permanent Housing Option – Manufactured homes can be placed on permanent foundations, increasing their long-term value.
4. Customization and Design – Modern manufactured homes offer various floor plans, styles, and finishes, allowing for more personalization.
5. Financing Opportunities – Since manufactured homes can be classified as real estate when placed on a permanent foundation, buyers might have more financing options than with mobile homes.

Are Trailer Homes the Same as Mobile/Manufactured Homes?

You might also hear the term trailer home, which usually refers to older mobile homes or small towable travel trailers. These shouldn’t be confused with manufactured homes, which are built for long-term residency.

Choosing Between a Manufactured and Mobile Home

If you are considering purchasing a home and come across a pre-1976 mobile home, be cautious. These homes may not meet safety codes and could have hidden maintenance costs. However, if you are looking for an affordable and reliable housing option, a modern manufactured home can provide better longevity, safety, and comfort.

While mobile homes and manufactured homes share similarities in being pre-built and transportable, the major difference is in their construction date and regulatory standards. Manufactured homes, built under HUD guidelines, offer superior quality, durability, and customization options. If you’re in the market for an affordable home, a manufactured home may be the best choice for a safe and long-term investment. We can help you purchase your home with our first-rate manufactured home loans and financing.

Understanding the differences between housing types will help you make an informed decision, whether you're purchasing, renting, or investing in a home.