As an expert in the housing industry, I am often asked about the difference between modular homes and manufactured homes. While these two types of homes may seem similar at first glance, there are some key distinctions that set them apart. First, let's define what we mean by modular and manufactured homes. A modular home is built in a factory-controlled environment and then transported to a site where it is assembled and anchored to a base. On the other hand, a manufactured home is built in one piece and transported to a site where it can be relocated if needed.
This means that manufactured homes are considered movable property, similar to recreational vehicles. Despite their differences in transportation and anchoring, both modular and manufactured homes are built in the same tightly controlled factory environment using high-quality construction materials and crafts. This results in excellent quality and construction for both types of homes. One of the main differences between these two types of homes is the codes according to which they are built. A prefab home is built to meet National Prefab Housing Construction and Security Standards (HUD Code), while a modular home in Florida is built in accordance with Florida State Building Codes. These codes may vary depending on the state and local regulations, but both ensure that the homes are built to high standards of safety and quality. In 1974, the National Mobile Home Construction and Safety Act was passed, which distinguished manufactured homes from other types of housing.
This act established federal building codes and guidelines for manufactured homes, ensuring that they meet certain standards for safety and quality. Another key difference between modular and manufactured homes is the level of completion when they arrive at the site. A modular home is typically 80% complete when it arrives, as it has been inspected multiple times during the factory's production phase. This greatly reduces the need for on-site inspections and can help to avoid delays due to weather or other factors. When it comes to cost, modular homes have a significant advantage. On average, they cost 25% to 30% less than a conventional home built on site.
This is due to the efficiency of building in a factory-controlled environment, which eliminates weather delays and reduces labor costs. One of the benefits of modular homes is their versatility in terms of placement. They can be built on any residential lot that is not restricted by zoning laws. This means that they can be placed on a permanent base, a small space, or even a basement. Visually, modular homes do not look much different from traditional site-built homes, making them a great option for those who want the look and feel of a traditional home at a lower cost. While manufactured homes are also built in a factory-controlled environment, they are typically located in communities that are specifically developed for this type of housing.
This means that they may have different regulations and codes than modular homes. One factor that can differentiate these two types of homes is the type of foundation used. Modular homes are typically placed on a permanent foundation, while manufactured homes may have different options depending on the community they are located in. In terms of financing and insurance, modular homes may qualify for the same mortgage loans and conventional insurance rates as traditional site-built homes. This is because they are built to the same standards and codes as traditional homes.
