Definitions
Manufactured vs Mobile vs Modular — What’s the Difference?
Clear definitions help you choose the right home type and avoid confusion during financing, insurance, or park approvals.
Quick definitions
| Term | Built To | Foundation | Notes |
|---|---|---|---|
| Mobile home | Pre‑1976 (before the federal HUD code) | Varies | Older term commonly used for pre‑HUD factory‑built homes. |
| Manufactured home | HUD code (since June 15, 1976) | Installed/anchored per standards | Transported in sections; placed on a site and connected to utilities. |
| Modular home | State/local building codes (e.g., IRC) | Permanent foundation | Modules built in a factory, assembled on site; typically appraised like site‑built homes. |
Practical implications
- Approvals: Parks may have rules about home age/type; always confirm acceptance criteria.
- Financing & insurance: Programs differ for manufactured vs modular homes—ask lenders/insurers specifically.
- Resale & value: Foundation type, installation quality, and condition strongly affect value.
Note: This article is educational and not legal or code compliance advice. Always consult qualified local professionals for installation and permitting.