Modular Homes for Sale in Texas

Because modular homes are built to the same code as site-built construction, they're often eligible for conventional and FHA mortgages and appraise as real property - a key difference from chattel-financed manufactured homes.

Modular versus manufactured: what actually differs

Both are built in a factory, in a controlled environment, by the same builders with the same quality controls. The difference is the building code and what follows from it. A manufactured home is built to the federal HUD code, carries a red HUD label and keeps its steel chassis. A modular home is built to the International Residential Code (IRC) that site-built houses follow, is set on a permanent foundation with the transport frame removed, and is inspected and treated by counties and lenders as a site-built house.

Because of that, a modular home appraises as real property, qualifies for the same mortgages as a site-built house, and is accepted in many subdivisions and cities that do not allow HUD-code homes.

IRC versus HUD code in Texas

In Texas, modular homes are regulated as industrialized housing by the Texas Department of Licensing and Regulation: the plans are approved, the factory build is inspected by a third party, and the finished home carries a TDLR decal. Local building departments then treat it like any other new house. Manufactured homes fall under the Texas Department of Housing and Community Affairs, with the HUD label and a Statement of Ownership. If a county, city or deed restriction says "no manufactured homes," a modular home is usually still permitted; confirm with the specific jurisdiction before you buy.

Permanent foundations

A modular home is set on an engineered permanent foundation: a slab, or pier-and-beam with a crawl space, designed for the specific floor plan and your soil. The foundation is built before delivery, the sections are craned or rolled on, and the home is finished on site. Foundation cost varies with the plan size, the site and the soil, and it is one reason a modular home costs more up front than the same plan built to the HUD code.

Financing and appraisals

Modular homes on a permanent foundation on owned land are financed like site-built houses: conventional, FHA, VA, and USDA loans where the property is eligible, often through a construction-to-permanent loan that covers the home, the foundation and the site work in one closing. Appraisers compare them to nearby site-built homes rather than to manufactured homes, which is what lets them build equity over time. Terms depend on the lender and your credit; we work with several lenders and can point you to ones experienced with modular. Start with our financing page.

Customization and pricing factors

Modular plans are ordered from the builder, so most of the home is chosen rather than taken as-is: exterior siding and roof pitch, porches and dormers, kitchen and bath packages, flooring, and energy options. Price is driven by square footage, the number of sections, the spec level you choose, the foundation, the site work, and the delivery distance. Our pricing is quoted by phone or in person because it depends on those choices; get a quote with your land and plan in mind and we will build a number around them.

Delivery and service area

Modular homes ship from the factory to your site in sections, and we coordinate the foundation contractor, the set crew and the finish work from our Seguin lot. We serve all of Texas and quote delivery to New Mexico, Oklahoma, Arkansas, Louisiana and Arizona. See our service area, or pick your city from the list below for local details.