Lots of financing options for Manufactured Homes in Idaho.
A mobile home in Idaho is a popular housing choice for many residents due to its affordability and flexibility. But what exactly qualifies as a mobile home under Idaho law? In this article, we'll explain how mobile homes are defined, how they're regulated, and what buyers should know before purchasing or financing one in the Gem State.
In this article, we'll define what Idaho law considers a mobile home, discuss how they're used, and cover what homebuyers and homeowners need to know about zoning, lending, and ownership.
According to Idaho Statutes Title 44, Chapter 26, a mobile home is:
"A factory-built structure or structures, which when erected on a permanent chassis, are designed for use as a dwelling or commercial structure and are equipped with the necessary service connections and made so as to be readily movable as a unit or units."
This is similar to how other states define mobile or manufactured homes. The permanent chassis is one key feature that distinguishes these homes from modular or site-built houses.
While mobile homes are technically designed to be movable, most are not moved more than once. In many cases, mobile homes are placed on permanent foundations and treated just like any traditional house.
Lenders often consider how many times a mobile home has been moved. Generally, financing is easier when the home has only been moved once or twice, though some allow for a third move under certain conditions.
All mobile homes built after June 15, 1976 must meet federal HUD construction and safety standards. These regulations ensure the structure is safe and durable, including:
Proper structural integrity
Plumbing and electrical compliance
Heating and energy-efficiency requirements
When buying a mobile home in Idaho, be sure it's HUD-certified and compliant with these standards.
Just like site-built homes, mobile homes in Idaho are subject to zoning rules. This affects:
Where the home can be placed
Minimum lot sizes
Setback requirements
Number of homes per lot
Before buying, always check local zoning ordinances to ensure your mobile home can be placed in your desired location.
There are several reasons why Idahoans choose mobile homes:
Affordability: Lower upfront cost than stick-built homes
Energy Efficiency: Many newer models are well insulated
Low Maintenance: Smaller square footage = easier upkeep
Flexibility: Great for rural living or placing on private land
For buyers on a budget or looking to downsize, mobile homes can be a smart solution.
Idaho's mobile home industry is thriving. The state is home to multiple mobile home dealers and manufacturers, and many towns and cities feature mobile home parks that offer community-style living at a lower cost.
Whether you’re looking for a home in Boise, Nampa, Twin Falls, or Coeur d’Alene, you’ll find options available.
As Idaho's trusted mortgage broker, 1st Choice Mortgage can help you navigate financing options for manufactured and mobile homes.
Ready to explore your options? Contact us today at (208) 375-LOAN or start your application online.
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