Mobile homes are pre-constructed homes built on a chassis, allowing them to be moved from one location to another. Mobile homes may be taxed as personal property rather than real estate unless on a permanent foundation. Factory-controlled environments reduce unexpected costs during construction. Modular homes often fare well in natural disasters due to robust construction standards. Factory construction enables modular home manufacturers to tightly control quality.
Precision manufacturing results in fewer gaps and better insulation, making modular homes energy-efficient. On owned land, manufactured homes are more likely to appreciate similarly to traditional homes. Mobile homes are particularly popular in rural or lower-cost housing markets in regions like Hermiston.
Common sizes are 14x70 feet for single-wides and 24x48 feet for double-wides. Centralized production facilities help modular companies keep overhead low. Modular homes may require specialized transport but generally incur fewer costs compared to mobile homes. Financing for manufactured homes can be through chattel loans, FHA loans, or even VA loans in some cases.
Because they require fewer materials, mobile homes are sometimes considered a lower-impact housing option. Many modular home companies partner with architects, realtors, and developers to expand reach and resources. Modular homes can be placed on full basements, crawl spaces, or slab foundations.
Manufactured homes undergo extensive factory inspections to ensure quality and adherence to HUD codes. Many modular businesses focus on sustainability, modern design, and speed in their marketing campaigns. Unlike manufactured homes, modular homes can be built with multiple stories. Mobile homes have fire safety concerns, although newer models are generally safer than older ones. Some modular home companies partner with insurers to offer comprehensive coverage for new homes.