10 Things To Consider Before Moving An Older Mobile Home Or Buying A New One

Moving an older mobile home or deciding whether it’s time to purchase a new manufactured home is a big decision. Both options come with financial, logistical, and long-term considerations. Whether you’re upgrading, relocating, or comparing costs, here are ten important factors to think about before you make your move.

1. Age and Condition of the Existing Home

Older mobile homes — especially those built before the 1976 HUD Code — may not meet modern safety or energy standards. Inspect the structure, roof, frame, plumbing, and electrical systems to determine whether the home is worth moving.

2. Cost of Moving

Relocating a mobile home is more expensive than most people expect. Moving a single-wide or double-wide can cost thousands of dollars depending on distance, permits, escorts, and setup. Sometimes, those costs outweigh the value of the older home.

3. Local Zoning and Park Regulations

Not all communities or parcels of land accept older homes, and many require homes to meet certain standards. Check zoning laws, age restrictions, and park requirements before planning a move.

4. Transportation Permits and Legal Requirements

Mobile home transport requires licensed professionals, oversize-load permits, and compliance with state rules. Ensuring your mover is certified and insured protects you from safety and liability risks.

5. Utility Hookups and Site Preparation

New sites often require utility lines, foundations, tie-down systems, or piers to be prepared before move-in. These costs can vary significantly based on local regulations and soil conditions.

6. Energy Efficiency Differences

Older mobile homes weren’t built with today’s insulation, windows, and high-efficiency construction. New manufactured homes perform far better in hot and cold climates — reducing utility bills and increasing comfort.

7. Insurance Considerations

Some insurance providers charge higher premiums for older homes, or may not insure them at all. Newer homes typically have better safety features and construction standards, making them easier and more affordable to insure.

8. Financing Restrictions

Financing options for older mobile homes (especially pre-HUD homes) can be limited. New manufactured homes often qualify for more loan programs, including chattel, FHA, VA, and conventional mortgages.

9. Long-Term Value and Resale Potential

New manufactured homes generally offer better resale appeal, modern layouts, and today’s design trends. An older home’s value may decrease over time, especially if it needs significant upgrades to stay livable.

10. Future Maintenance Costs

Older homes often require repairs to plumbing, electrical systems, roofing, flooring, or siding. Buying a new home may save you money long-term by reducing ongoing maintenance and improving the overall quality of life.

Final Thoughts

Both moving an older mobile home and purchasing a brand-new manufactured home come with advantages — but the best choice depends on the home’s condition, your budget, and your long-term goals. Carefully evaluating these factors will help you make the most informed and cost-effective decision for your family.