Modular home
A factory-built home constructed to the same state or local building codes as a site-built house, rather than to the federal HUD Code.
Published May 31, 2026
A modular home is a home built in sections in a factory and then assembled on a permanent foundation at its final site. What sets it apart from a manufactured home is the standard it is built to: a modular home must meet the same state or local building codes as a site-built house, not the federal HUD Code.
Because of that, a modular home is usually treated like any other house once it is assembled. It is generally titled as real property, conveyed by deed, and financed with a conventional mortgage — rather than carrying a vehicle-style certificate of title the way a manufactured home on a rented lot often does.
The labels matter because the construction standard drives how a home is titled, taxed, insured, and financed. "Modular," "manufactured," and "mobile" are not interchangeable, even though they are often used loosely in everyday speech.
This is general information, not legal advice.