We're not a dealer or a contractor. We're a neutral buyer's guide for San Diego County. We explain permits, financing, site prep, and the County process in plain language, then connect you with vetted dealers and contractors who actually know this market.
From finding the right home to understanding your financing options and navigating County permits, we cover every part of the manufactured home buying process in San Diego County.
New and resale manufactured homes across San Diego County, in parks and on land.
Learn moreAdd a factory-built granny flat for rental income or family. Permits made clear.
Learn moreBuilt to the same code as site-built homes. The real difference explained.
Learn moreChattel loans, FHA, and land-and-home packages. Which one actually fits you.
Learn moreWhat a home really costs in San Diego, from the unit to the site work.
Learn morePermits, foundations, utilities, and who does what. The full roadmap.
Learn moreSwap an old mobile home for a new one in the same space, start to finish.
Learn moreFrom first question to move-in day. Every step, in order.
Learn moreBuying a manufactured home in San Diego County is genuinely confusing. Park rules, County zoning, HUD certification, chattel loans vs. mortgages, site prep costs, ADU rules. Most buyers don't know what they don't know. We do. And we have no inventory to sell you, so our only job is to help you make a good decision.
We cover every city in the county, from coastal communities to mountain towns. Pick your city to see manufactured home options, park locations, and local zoning notes specific to your area.
Examples of the kind of guidance we work to give every buyer. Verified reviews from real buyers will live on our Google Business Profile when they're earned.
We had five acres of family land sitting empty for years. Land & Home SD walked us through every step: the dealer search, HCD permits, foundation requirements, and Section 6506 compliance. We closed on a three-bedroom home in four months. Never could have navigated that alone.
We wanted to add a unit for my mother-in-law without a full construction project. Land & Home connected us with a dealer who had the right floor plan, explained the AB 1033 rules, and confirmed the permit path before we spent a dollar. The ADU is on the foundation and she moved in right on schedule.
I'd been renting for three years after my husband passed. The consultant helped me understand space-rent leases versus land-owned parks, and found me a well-maintained 55-plus community two miles from my daughter. I own my home now. That matters more than I can say.
Chattel loans were a black box to me. Land & Home explained the difference between chattel and real-property financing, connected me with two lenders who actually work with manufactured homes, and helped me compare the terms. I got a rate I can live with and closed in six weeks.
Our 1978 mobile home was past the point of repair. Land & Home matched us with a dealer carrying HUD-certified homes that fit our lot, handled the title and HCD 433A conversion paperwork, and kept us updated the whole way through. The new home cost a fraction of what we expected.
Stick-built homes in San Diego were completely out of reach for us. Land & Home laid out every option honestly: park homes, private-lot placements, ADU financing, resale versus new. We bought in a family park in Chula Vista, own the home outright, and our mortgage payment is lower than any apartment we looked at.
We help you find the right home, the right land, and the right financing for San Diego County. Free guidance, no commitment.
A few of the questions we hear most often. Don't see yours? Call us at (858) 925-5546.
All FAQsWe cover every city in San Diego County. Coastal communities like Encinitas, Carlsbad, and Oceanside. Inland cities like Escondido, San Marcos, and El Cajon. South Bay cities including Chula Vista and National City. And the mountain and desert communities in the east. If it's in the county, we can help.
Legally, they are the same thing. "Mobile home" is the older term for homes built before June 15, 1976. After that date, the federal HUD code took effect and the industry started using "manufactured home." Today, manufactured homes are built to strict federal standards and come in single-wide, double-wide, and triple-wide configurations. Modular homes are different: they're built in sections but installed on a permanent foundation and treated as real property from day one.
Yes, if the home was built after June 15, 1976 (has a HUD certification label), is placed on a permanent foundation, and the land is zoned to allow it. The County process follows Section 6506 of the building code. You'll need permits for the foundation, utility connections, and sometimes a septic system. Site prep and utilities typically add $50,000 to $150,000 on top of the home cost. We walk you through the full process.
Costs vary widely by situation. A used home in a mobile home park typically runs $100,000 to $300,000 depending on size, age, and park location. A new manufactured home (factory-built) runs roughly $300,000 to $450,000 or more, not including site work. If you're placing on private land, add $50,000 to $150,000 for site prep, foundation, utilities, and permits. These are real San Diego County ranges, not national averages.
It depends on whether the home is affixed to land. If it's on a rented lot in a park (not affixed to real property), you're typically looking at a chattel loan: shorter terms, higher rates, smaller loan amounts. If the home is on land you own and on a permanent foundation, it may qualify for a conventional mortgage, FHA loan, or VA loan at better rates. We explain both paths and connect you with lenders who actually work with manufactured homes in San Diego County.
Yes. A manufactured home can qualify as an accessory dwelling unit in San Diego County. Homes 750 square feet and under are exempt from impact fees under state law. Under AB 1033, adopted by the County in April 2026, you can even sell an ADU as a separate unit from the main home. Site requirements, setbacks, and utility connection rules still apply. We help you understand what your specific lot allows before you commit to anything.
Real cost ranges, honest comparisons, and plain-language guides built specifically for San Diego County buyers. No email required, no sales pitch.
Park homes, new homes on private land, site prep, permits, and utilities. Real San Diego County price ranges, not national estimates.
Read the cost guide FinancingWhether you qualify for a conventional mortgage or a chattel loan depends on how and where the home is placed. We explain the difference.
Read the financing guide ADU guideAB 1033, impact fee exemptions, County setbacks, and how to tell if your lot qualifies. Updated for April 2026 County adoption.
Read the ADU guide Private landHUD cert requirements, permanent foundation rules, Section 6506, permits, and site prep costs for San Diego County.
Read the land guide ProcessFrom deciding what type of home fits your situation to signing the paperwork. A clear walkthrough of the full County process.
Read the process guide BlogDeep dives on financing, permits, dealer vetting, ADUs, and everything else San Diego County buyers are asking about.
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