I Didn’t Pick Mobile Home Living, But I’m Sure Glad We Are

Written by Sarah McKennon

When my partner and I relocated to Arizona, we found ourselves in a cozy mobile home graciously offered by my parents-in-law rent-free. At the time, we focused on financial stability—paying off debts, building an emergency fund, and saving for a down payment on a traditional home. However, life took its own course when we learned we were expecting our first child. Opting for a single income to allow my partner to stay home with our daughter delayed our home-buying plans. Despite a few career changes and the arrival of our second child, we remain content in our mobile home, nestled in Arizona.

Living in a mobile home isn’t always a matter of choice but can be necessary for many. Approximately 20 million Americans reside in mobile homes, making them the country’s largest source of unsubsidized affordable housing. Based on our journey, I’ve compiled a list of pros and cons for those considering mobile home living.

The Pros of Living in a Mobile Home

1. Affordability: A mobile home is significantly cheaper than a traditional single-family home. In 2020, the average sale price of a single-family home was $394,900, whereas a new mobile home averaged $88,200 in August of the same year.
2. Spaciousness: Mobile homes can offer surprising roominess. Our mobile home features three bedrooms, two bathrooms, an attached garage, and an acre of land—all at an affordable price. This level of affordability allowed us amenities we might not have been able to afford in a traditional home or condo.
3. Entry into Expensive Areas: Living in a mobile home can provide access to expensive areas that might otherwise be unattainable. For instance, in Missoula, Montana, where real estate prices are high, mobile homes offer a more affordable housing option than traditional homes.
4. Transition Space: Mobile homes can serve as an affordable transitional living space. Whether you’re waiting to build on land or in between moves, a mobile home can fulfill the need for temporary housing.

The Cons of Living in a Mobile Home

1. Social Stigma: Despite its practicality, mobile home living can carry a social stigma. Questions about legitimacy as a “real” home or concerns about societal judgment may arise. However, over time, I’ve come to appreciate that the value of a home isn’t determined by its structure but by the goals it helps achieve.
2. Value Depreciation: Traditionally, mobile homes were perceived to depreciate in value over time. However, recent trends indicate that this may not always be the case.
3. Lot Rent: If situated in a mobile home park, additional expenses such as lot rent and adherence to park rules may apply.
4. Different Financing: Financing a mobile home differs from traditional mortgages, as mobile homes are considered personal property rather than real property.
   Considerations When Buying a Mobile Home

If you’re deliberating on whether to opt for mobile home living, consider the following:

• Long-term Goals: Clarify your long-term goals and assess how a mobile home aligns with them. Whether it’s a stepping stone towards homeownership or a long-term solution, understanding your objectives is crucial.
• Research: Investigate the local market to compare mobile home sales with traditional home sales. Evaluate potential remodeling or upgrading costs.
• Financing: Understand the financing options available for mobile homes, as they differ from traditional mortgages.

Our journey into mobile home living began with intentional choices and unforeseen circumstances but has ultimately propelled us towards our long-term goals. As you contemplate your housing options, weigh the pros and cons thoughtfully and consider how a mobile home could serve your needs and aspirations.