When shopping for manufactured homes, one of the most common questions buyers ask is: “How much will it cost to move and set up my home if it isn’t included in the loan?” It’s a smart question because transportation and setup are essential parts of turning your purchase into a livable home. While some lenders allow you to roll these costs into manufactured home loans, in many cases, buyers pay for them separately. Understanding what to expect can help you budget more confidently and avoid surprises.
Transportation Costs for Manufactured Homes
The cost of transportation depends on factors like distance, home size, and accessibility of your homesite. On average:
- Single-wide manufactured homes: $1,000 – $5,000
- Double-wide manufactured homes: $2,000 – $8,000
- Triple-wide or larger homes: $5,000 – $15,000+
These costs typically include permits, escort vehicles (if required by state law), and fuel. Longer moves and rural deliveries may increase the price.
Setup Costs for Manufactured Housing
Once your home arrives, it must be properly installed. Setup costs vary depending on site conditions and the type of foundation required. On average, you can expect:
- Basic blocking and leveling: $1,000 – $5,000
- Permanent foundation installation: $5,000 – $15,000+
- Utility hookups (water, sewer, electric, gas): $2,500 – $10,000
- Additional site prep (grading, driveways, septic systems): Costs vary widely depending on land.
Together, transportation and setup can range anywhere from $5,000 to $25,000 or more, depending on your home and site.
Why It Matters for Manufactured Home Loans
If these costs aren’t included in your manufactured home loan, you’ll need to budget for them upfront. That’s why it’s important to:
- Ask your dealer or lender whether transportation and setup are included in financing.
- Get itemized estimates for both delivery and installation before closing.
- Consider saving extra for site preparation, as those costs often exceed initial expectations.
Planning ahead ensures you can move into your new home smoothly, without financial stress at the finish line.
Final Thoughts
Purchasing manufactured housing is an affordable path to homeownership, but transportation and setup are critical costs that buyers should prepare for. Whether or not these expenses are included in your manufactured home loan, knowing the ballpark numbers helps you make informed decisions.
At ManufacturedHomeLoans.com, we’re here to guide you through the financing process and provide the information you need to feel confident in your purchase. Ready to explore your loan options and get clear on all the details? Visit us today to take the next step toward owning your new manufactured home.
