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A new single-section manufactured home averages about $85,000 to $89,000, and a double-section about $162,000 (U.S. Census, 2025), before land, delivery, and setup. In a community, add monthly lot rent, insurance, and utilities. Resale homes in 55+ parks can cost far less, but older homes cost more to insure and finance.
Upfront costs
| Cost | Notes |
|---|---|
| Home price | New or resale; age and size drive the price |
| Delivery and installation | Often included with new homes; confirm in writing |
| Foundation or piers, tie-downs | Required; tie-downs are critical in hurricane areas |
| Utility hookups | Water, sewer or septic, electric |
| Steps, skirting, decks, carport | Often extra |
| Permits and inspection | Varies by county |
| Land (if buying) | Can exceed the cost of the home |
Ongoing monthly costs
- Lot rent if you don’t own the land
- Insurance for the home and belongings
- Utilities not covered by the park
- Property tax on the home and any land
- Maintenance: roof, HVAC, skirting, and leveling
Compare home insurance before you sign. It’s often the biggest surprise in a mobile home budget.
Rates vary by state, home age, and location.
Financing
- Cash: common for resale homes in 55+ parks
- Chattel loans: for the home only; higher rates and shorter terms than mortgages
- FHA loans for qualifying homes
- Mortgages when the home is on owned land and permanently attached
Before you buy a resale home, get an inspection, confirm the home meets the HUD Code (built after June 15, 1976), and ask the park for its lot rent history.
Sample monthly budget (55+ park)
| Item | Example |
|---|---|
| Lot rent | $750 |
| Insurance | $150 |
| Utilities | $200 |
| Maintenance reserve | $100 |
| Total | $1,200 |
Your numbers will vary. Use this as a template.
Frequently asked questions
How much does a mobile home cost in 2026?
New single-section homes average about $85,000 to $89,000 and double-section about $162,000, before setup and land.
What costs are not included in the home price?
Often land, foundation, tie-downs, utility hookups, steps, skirting, permits, and insurance.
Can I finance a used mobile home?
Yes, often through a chattel loan. Homes built before 1976 are harder to finance.
Is buying a mobile home cheaper than renting?
It can be, but lot rent increases and depreciation affect the math. Compare five-year costs.
Keep reading: 55+ mobile home communities | Florida mobile home lot rent | Manufactured vs. mobile homes
- U.S. Census Bureau, Manufactured Housing Survey (census.gov)
- Consumer Financial Protection Bureau (consumerfinance.gov)
This article is for general education and is not financial, investment, or legal advice. Rates, fees, and offers change often; confirm current terms with the provider before you apply.
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