November 30, 2022

Manufactured Vs. Modular Homes: Which Is Cheaper?

Modern Manufactured Home Interior

4 questions to consider before buying a home

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Simple steps to buy a home successfully

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Consider your finance options, and then choose the best one available

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Make an offer with some wiggle room for negotiation

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Which other tips do you recommend when buying a home?

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It's easy to need clarification about the difference between manufactured and modular homes. They both look the same, are built on a similar foundation, and offer convenience and affordability. But there are some differences between these two types of prefabricated houses that can help you make an informed choice when buying one. The main difference is that manufactured homes are built in a factory before being transported to the site, while modular homes are constructed on-site in pieces. Both types save money over traditional stick-built houses; which one's better- modular or manufactured homes? Here's what you need to know about each method and how they stack up against each other.

What Is A Manufactured Home?

A manufactured home is built in a factory and transported to the site. It's often referred to as a "mobile" or "modular" home because it can be moved from one location to another.

Manufactured homes are regulated by HUD, which ensures that they meet certain safety standards.

What Is A Modular Home?

Modular homes are built in a factory, then transported to the home site. They are constructed off-site, which means that they're not built to be permanently installed on your property. Instead, they're assembled at factories and shipped to their destination in pieces. The pieces are usually put together using a crane or forklift before being moved onto the foundation or foundation pad for installation.

Modular homes can also be built on wheels or trailers so that they can be easily moved from one location to another if necessary. 


Modular homes are generally the least expensive type of home to purchase. They're less expensive than custom-built homes, prefabricated homes, and mobile homes. Modular homes are even slightly cheaper than site-built houses (which include a lot of labor) and traditional stick-built houses (which also require plenty of materials).

This is because they're built in a factory and delivered to the construction site, while manufactured homes are constructed on-site. By building them in a factory instead of on-site, modular homes use less materials and labor, which translates into lower costs.

However, these savings aren't always guaranteed. The construction cost will depend on whether you choose an open or closed system for your home; whether it includes solar panels or other energy efficiency features; what type of foundation you want (if any); if there will be a deck or porch attached, etc.


Financing options are one of the most important factors when looking at manufactured and modular homes.

Manufactured homes can be financed through a variety of financial institutions like mortgage companies, banks, and credit unions. The first step is finding out what loan program will work best for you.

If your credit score is above 620, you may qualify for an FHA loan which offers low down payments and interest rates as low as 3%, depending on your income and other factors. If not, check with a local lending institution to find out what they have available in conventional loans (with higher down payment requirements).


So, which is cheaper? The answer depends on what you're looking for. Manufactured homes can be very affordable and are often the only option for homebuyers who want to purchase a home without paying thousands of dollars in closing costs. However, modular homes can be just as affordable, if not more so, than prefab homes depending on the materials used and the size of your budget!