What is a manufactured home and how does it differ from a modular home?

A manufactured home (also known as a mobile home or HUD code home) is a single or multi-sectional home built on a permanent frame, like a steel undercarriage/chassis, with a removable transportation system (hitch and wheels). The unit can be permanently attached to a site-built foundation and is subject to the 1976 federal standards established by the Department of Housing and Urban Development (HUD).

A modular home is constructed in a factory using conventional home floor joists and delivered to a site on a trailer or flat bed truck. The delivered home may be in the form of panels that are assembled at the site, may be pre-cut and assembled on site, or may be pre-built and delivered in one piece. The home, panels or pre-cut panels are lifted from the trailer and attached to a foundation. A modular home may be single or multi-storied. Modular homes are not subject to HUD standards, but must be built to state and local Uniform Building Codes (BOCA).

A manufactured HUD code home is NOT equal to a modular BOCA code home due to quality of build. Modular BOCA code homes are considered equal to a site built home due to quality deemed equal and in some cases superior to a site built home.

When appraising manufactured HUD code homes only manufactured HUD code homes will be utilized to determine an accurate market value. Modular BOCA code homes will have site built homes utilized to determine market value. Many modular homes are not identified as such due to lack of knowledge from realtors within the market place when properties are listed.