Discussion Forum Topic:

Differences Between a Modular and Manufactured Home
Original Comment:
One of the most common questions we get asked here at MHBA is about the difference between a modular home and a manufactured home. We checked in with Connecticut Valley Homes to address this question.

CVH: When thinking about factory-built homes, make sure you choose the one that is right for you. Modular homes and manufactured homes are both built in a factory offering value, time efficiencies, and quality control to name a few. Both are then transported to your building site. That is where the similarities end.

MHBA: So how are they different?

CVH: The key difference is the building code that the home is constructed. Modular homes conform to the same state and local building codes as site-built homes and often exceed the international residential code (IRC) that all new homes built in the U.S. must follow.
Manufactured homes, formerly known as mobile homes, are not built to the IRC code, but to a less stringent code that is defined, maintained, and enforced by the U.S. Department of Housing and Urban Development. Now also known as a “HUD” home, “HUD” requirements are set to a lower standard than the IRC code and were created to offer low-cost home ownership to more people.

It also helps to think of modular as a method of building, not a type of home. It is custom-built in sections called “modules” offering design flexibility and can have multiple floors. Plans are approved by a structural engineer and must meet the more stringent requirements of the IRC code. Modular homes can be built in any style from traditional two-story colonials with multiple roof lines to modern styles with beautiful rooftop decks. Since modules are built entirely indoors, materials are not subjected to the elements of outdoor construction like weather, vandalism, theft, etc.

Manufactured is entirely factory-built usually in one to three sections. Each section is built on a permanent steel chassis to support the frame. A manufactured home is all one level since the chassis is unable to support more weight. Because the steel frame is part of the structure and acts as part of the foundation, far less lumber is required during construction and it is much cheaper to “install” at the site.

MHBA: Any other differences?

CVH: Yes, several including cost and resale value, Modular homes will increase in value much like its site-built counterpart. While manufactured homes are generally less expensive than modular and tend to decrease in value. A manufactured home may be more difficult to refinance since it is not attached to a fixed foundation. Also, keep in mind that there may be residential zoning restrictions for manufactured homes in your area so placement in certain neighborhoods could be difficult.

To see other key differences between a modular home and a manufactured home, view the original article here: http://ctvalleymodularhomes.blogspot.com/2018/04/modular-vs-manufactured-homes-what-are.html
Started on November 19, 2018 by Tom Hardiman
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Additional Comments:
The modular home is financed by the same conventional lenders that finance conventional home and at comparable rates. Manufactured homes are financed through finance companies, generally at higher interest rates.

Moreover, a modular home appreciates in value at the same rate as a comparable site built homes. Manufactured homes depreciate over time just as an automobile or other tangable personal property does.
Updated on November 20, 2018 by Steven Snyder

To expand this commentary on real life experiences with type of residiential buildings.

In California, the State structure type for modular is a Factory Built House. It must follow the CEC - GREEN CODE with an energy report as any site built home. It must be tested by a HERS rater to meet stringent Zero Net Energy qualifications before occupancy can occur as well a Cal Fire inspection fo fire sprinklers..
A local Tax assesor Land Use codehas its own catagories as manufactured home. Typically in writing, we have to inform the Tax Assessor of the States classification. It then is changed to SFR after review. \
This Tax assesor classifixation allows a Title change and for comparable appraisals however you get hit for a penalty (less vlaue) for it being factory built versus site built.

The local building inspector has less inspections and revenue opportunities
Updated on November 20, 2018 by Steven Lefler

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