Guides & Comparisons
Modular Homes vs. Manufactured (Mobile) Homes
People often use "modular" and "manufactured" interchangeably, but they are different products built to different codes. The distinction affects financing, permanence, and resale value.
Modular Homes vs. Manufactured Homes
| Modular Homes | Manufactured Homes | |
|---|---|---|
| Building code | Local/state code (IRC/IBC), same as site-built | Federal HUD code |
| Foundation | Permanent foundation | Often on a steel chassis / can be moved |
| Appraisal | Appraised like site-built real property | Can depreciate like a vehicle |
| Financing | Standard mortgages / construction loans | Often chattel loans, higher rates |
| Customization | High — custom designs | Limited to model options |
The Verdict
Modular homes are built to the same local codes as site-built homes, sit on permanent foundations, and are appraised and financed as real property — which is why they hold value better. SaltGrass builds custom modular and container structures, not HUD-code manufactured homes.
Modular Homes vs. Manufactured (Mobile) Homes — FAQ
Is a modular home the same as a mobile home?
No. Modular homes are built to the same state/local building codes as site-built homes and placed on permanent foundations. Manufactured (mobile) homes are built to the federal HUD code and can sit on a movable chassis.
Do modular homes hold their value?
Yes — because they are built to local code on permanent foundations, modular homes are appraised as real property and generally appreciate like site-built homes, unlike many manufactured homes.
Still deciding? Talk to Dylan.
We'll give you an honest recommendation based on your project — not a sales pitch.