What Is a Mobile Home in Real Estate?

A mobile home is a factory-built residence constructed before June 15, 1976 — the date federal HUD standards began. Mobile homes were designed to be moved between sites, offering affordable living with flexible placement options.

🏡 How Mobile Homes Work

Mobile homes are built on a steel chassis and can be transported to leased lots or private land. They are often found in mobile home parks and may be titled as personal property instead of real estate unless permanently affixed to land.

🏠 Mobile Homes vs. Manufactured Homes

  • Age: Mobile homes were built before 1976; manufactured homes were built after under HUD standards.
  • Construction: Both are factory-made, but manufactured homes meet modern safety and energy codes.
  • Mobility: Mobile homes were designed for relocation; manufactured homes are usually set permanently.
  • Financing: Mobile homes often require chattel loans, while manufactured homes may qualify for real estate mortgages.

✨ Pros and Cons of Mobile Homes

Advantages: Low cost, quick setup, and affordable housing flexibility.

Drawbacks: Possible depreciation, limited financing options, and park lease fees if land isn’t owned.

📢 Selling a Mobile Home FSBO

Selling a mobile home yourself helps you save on commissions. With Brokerless, you can list your mobile home on the MLS for one flat fee and reach buyers through Realtor.com, Zillow, and hundreds of regional real estate sites.