A used single-wide mobile home is one of the most affordable and flexible housing options available today. For many buyers—especially retirees, families, and first-time homeowners—these homes provide an ideal balance between cost, comfort, and convenience. Florida, with its year-round sunshine and outdoor lifestyle, is one of the top destinations for mobile home living.
However, before you take the plunge, it’s important to understand all the costs associated with owning a used single-wide mobile home in Florida. From the initial purchase price to recurring expenses, this guide breaks down what you should expect and how to prepare your budget effectively.
What Is a Single-Wide Mobile Home?
A single-wide mobile home is a factory-built residence transported to its final site in one piece. These homes are typically smaller and more compact than double-wides, offering a practical housing option for individuals or small families. In Florida, they are especially popular because they fit well on smaller lots and provide affordable living in both coastal and inland communities.
Unlike traditional houses, single-wides can be placed in mobile home parks or on private land. This flexibility is one reason many Floridians are drawn to this lifestyle—especially those looking to downsize or live near beaches without breaking the bank.
Average Purchase Price
The first and biggest expense when buying a used single-wide mobile home is the purchase price. Depending on the age, condition, and location, prices can range from $10,000 to $50,000 in Florida. Homes closer to coastal areas or in well-maintained communities often cost more due to demand and amenities.
For example, an older model in need of renovation might cost around $10,000–$20,000, while newer or recently updated single-wides could sell for $40,000–$50,000. Factors like the home’s size, layout, and included appliances can also affect the price.
Why Prices Vary Across Florida
Florida’s real estate market is diverse. In urban areas like Tampa or Orlando, mobile home prices tend to be higher due to land demand. In contrast, rural counties and smaller towns often offer more affordable options. If you’re flexible about location, you can find great deals in less competitive regions.
Additional Costs to Consider
While the purchase price is your biggest upfront cost, other expenses quickly add up. Here are the most common costs to plan for when purchasing a used single-wide mobile home in Florida:
- Inspection Fees: Always schedule a professional inspection before buying. Expect to pay between $200 and $500 to assess the home’s structure, plumbing, roof, and electrical systems.
- Closing Costs: Like traditional homes, you’ll pay fees for title transfers, documentation, and taxes—typically 2% to 5% of the purchase price.
- Transportation and Setup: If your mobile home must be moved, transportation can cost $2,000 to $5,000. This includes setup, leveling, anchoring, and connecting utilities.
- Lot Rent: Most buyers place their homes in mobile home parks. Monthly lot rent ranges from $200 to $800, depending on the community and amenities.
- Utilities: Expect to pay for electricity, water, sewer, and trash collection. Utility bills often total several hundred dollars per month, depending on usage and location.
- Homeowner’s Insurance: Insurance protects against damage and liability. Annual premiums average $500–$1,500, based on coverage and location.
- Property Taxes: Tax rates vary by county but typically range from 0.5% to 2% of your home’s assessed value.
Monthly and Annual Cost Breakdown
When you add up these costs, the total monthly expense of owning a used single-wide mobile home might look like this:
Lot rent: $400–$700 per month
Utilities: $150–$300 per month
Insurance: Around $50–$100 per month
Property tax: Roughly $50–$200 per month (depending on home value)
That means your total monthly housing costs could range between $650 and $1,300—still far lower than renting or owning a traditional home in most parts of Florida.
Factors That Influence the Cost
Several factors can affect how much you’ll spend overall on your mobile home:
- Age and Condition: Newer homes or those in great condition command higher prices. Older homes may require updates but can offer great value.
- Location: Beachside communities, retirement parks, or high-demand areas will have higher lot rent and insurance costs.
- Amenities: Parks with pools, gyms, or waterfront access typically charge more in monthly fees.
- Financing: If you take out a loan, factor in interest costs. Financing for used mobile homes may have slightly higher rates than traditional mortgages.
Ways to Save Money When Buying
You can reduce costs by shopping around, negotiating prices, and purchasing from reputable sellers. Consider homes in up-and-coming areas where property values are expected to rise. Also, if you own your land, you can eliminate lot rent entirely—saving thousands per year.
Frequently Asked Questions
1. How much does a used single-wide mobile home cost in Florida?
Prices typically range from $10,000 to $50,000, depending on the home’s condition, age, and location.
2. Is it cheaper to live in a mobile home than a traditional house?
Yes. Mobile homes offer lower purchase prices and monthly costs, making them more affordable overall.
3. Can I finance a used single-wide mobile home?
Yes. Many lenders offer mobile home loans, especially if the home meets HUD standards and you own the land.
4. How much is lot rent in Florida?
Lot rent averages between $200 and $800 monthly, depending on amenities and location.
5. Do I need insurance for my mobile home?
Yes. Homeowner’s insurance protects your investment from damage, theft, and liability.
6. How long does a single-wide mobile home last?
With proper maintenance, a well-built mobile home can last 40–60 years or longer.
7. What are closing costs for a mobile home?
Closing costs usually range from 2% to 5% of the home’s purchase price.
8. Can I move my used single-wide mobile home to another lot?
Yes, but you’ll need permits, transportation, and setup services, which can cost $2,000–$5,000.
9. Do mobile homes appreciate in value?
Generally, mobile homes depreciate over time, but those in desirable areas or on owned land may retain or increase in value.
10. Are there property taxes on mobile homes in Florida?
Yes, but they are typically lower than taxes on traditional homes, ranging between 0.5% and 2% of assessed value.
Final Thoughts
Buying a used single-wide mobile home in Florida can be a smart and affordable path to homeownership. With careful planning, budgeting, and inspection, you can secure a comfortable and cost-effective home that fits your lifestyle.
Florida’s warm weather, thriving mobile home communities, and reasonable costs make it an ideal place for mobile home living. Whether you’re looking for a retirement retreat or a starter home, understanding the total costs—from purchase price to ongoing maintenance—will help you make a confident, informed decision. With the right approach, your dream of affordable homeownership in the Sunshine State can become a reality.
See Also:
- 7 Reasons Why People Are Buying Mobile Homes in Florida
- Things to Consider Before Moving a Mobile Home in Florida
- 5 Reasons Why You Should Never Buy a Mobile Home Without a Title
- Unlocking the Potential: How Retrofitting an Older Manufactured Home Can Benefit You
- Keeping Warm: Essential Mobile Home Heating Maintenance Tips