Florida’s sunny skies, ocean breezes, and relaxed lifestyle make it one of the most desirable places to live in the United States. But as traditional housing prices continue to climb, many people are turning to mobile homes as an affordable alternative. One of the most common questions potential buyers ask is: how much does a double-wide mobile home cost in Florida?
Double-wide manufactured homes are known for offering more space and comfort than single-wides, while still being far more affordable than conventional homes. However, prices can vary greatly depending on factors such as location, size, materials, and setup costs. Below, we break down everything you need to know before buying a double-wide mobile home in the Sunshine State.
Understanding the Average Cost of a Double-Wide Mobile Home
Across the United States, a new double-wide mobile home typically costs between $132,000 and $160,000, with an average around $139,900. However, Florida’s real estate market can influence those prices based on land costs, regional demand, and setup fees.
So, how much does a double-wide mobile home cost in Florida? On average, you can expect to spend anywhere from $120,000 to $160,000, depending on your preferred location and features. In some areas, especially rural or inland regions, homes can be even more affordable.
This price range makes double-wide mobile homes one of the most cost-effective housing options in Florida—ideal for retirees, small families, or first-time buyers looking for budget-friendly living.
Location Matters: Regional Price Differences in Florida
Florida is a state of contrasts. From bustling cities to peaceful countryside towns, the price of your mobile home will largely depend on where you want to live.
- Urban Areas (Miami, Tampa, Orlando): In cities and coastal regions, higher land values and demand push prices to the upper end of the spectrum. Expect costs closer to $150,000–$160,000 for a double-wide mobile home.
- Suburban Areas: In suburbs outside major cities, prices are slightly more moderate, typically between $135,000 and $145,000. These areas offer a good balance between convenience and affordability.
- Rural Florida: In smaller inland towns or rural communities, you may find double-wides for as little as $120,000 to $130,000, making them a great option for budget-conscious buyers.
Location also affects the cost of land, transportation, and setup fees—so it’s crucial to factor these elements into your total budget.
Additional Costs Beyond the Home Itself
When calculating how much a double-wide mobile home costs in Florida, remember that the home’s base price isn’t the full picture. There are several additional costs to consider:
- Land Costs: Unless you already own land, you’ll need to purchase or lease a lot. Land prices vary widely—from around $10,000 in rural areas to $50,000 or more in coastal regions.
- Transportation and Setup: Moving and installing a double-wide mobile home can cost anywhere from $3,000 to $7,000, depending on the distance and complexity of the setup.
- Permits and Inspections: Expect to spend an additional $1,000–$3,000 on required permits, local inspections, and installation approvals.
- Utility Connections: Connecting electricity, water, and sewer systems usually adds $1,500–$5,000 to your total cost, depending on your area.
If your home is being placed in a mobile home park, don’t forget to factor in monthly lot rent or community fees, which can range from $400 to $1,000 per month depending on location and amenities.
Factors That Influence Price Variations
Several variables can significantly affect the total price of your double-wide mobile home:
- Size: Larger homes with more square footage naturally cost more. Double-wides can range from 1,000 to 2,500 square feet.
- Design and Upgrades: Features like high-end finishes, energy-efficient appliances, and upgraded fixtures will increase the price.
- Manufacturer Quality: Homes built by top manufacturers with longer warranties and higher construction standards may cost more upfront but offer better durability and resale value.
- Foundation Type: Permanent foundations (as opposed to piers or blocks) can add stability but increase initial installation costs.
Your goal should be finding a balance between affordability and quality to ensure long-term comfort and minimal maintenance.
Financing Options for Double-Wide Mobile Homes
Buying a double-wide mobile home doesn’t always require paying cash upfront. Several financing programs can make ownership more accessible. Here are the most common loan types available in Florida:
- FHA Loans: Backed by the Federal Housing Administration, FHA loans are popular for mobile home buyers because they allow smaller down payments and flexible credit requirements.
- Chattel Loans: These loans treat the mobile home as personal property (not real estate). While easier to qualify for, they usually have higher interest rates and shorter repayment terms.
- VA Loans: Veterans may qualify for VA loans with favorable terms, including no down payment and competitive interest rates, if the home meets certain criteria.
- Conventional Loans: For newer double-wides permanently affixed to owned land, conventional mortgage loans may be an option, often with better rates than chattel loans.
Exploring your financing options early can help you determine how much you can afford and what your monthly payments will look like.
Frequently Asked Questions
1. How much does a double-wide mobile home cost in Florida?
On average, double-wide mobile homes in Florida range between $120,000 and $160,000, depending on size, location, and features.
2. Are double-wide mobile homes cheaper in rural areas?
Yes. Rural Florida generally offers lower land and setup costs, making it more affordable than coastal or urban regions.
3. What is included in the price of a double-wide mobile home?
Typically, the home itself, basic finishes, and sometimes delivery are included. Setup, permits, and utilities are usually extra.
4. Can I finance a double-wide mobile home?
Yes. Options include FHA, VA, and chattel loans, as well as conventional financing for homes on owned land.
5. How long does a double-wide mobile home last?
With proper maintenance, most modern double-wide homes can last 30–50 years or more.
6. Do I need to own land to buy a double-wide?
No. You can place your home in a mobile home park or lease land if you prefer not to purchase property.
7. Are there extra costs for moving a double-wide home?
Yes. Transportation and setup can cost between $3,000 and $7,000 depending on distance and complexity.
8. What’s the best way to save money when buying a mobile home?
Consider buying a pre-owned home, negotiating with sellers, and comparing quotes from multiple dealers.
9. Do double-wide mobile homes appreciate in value?
Generally, they depreciate over time, though homes on owned land may hold value better than those in parks.
10. Are mobile home parks in Florida expensive?
It depends on the amenities and location. Monthly lot rents can range from $400 to $1,000.
Final Thoughts
If you’re asking how much does a double-wide mobile home cost in Florida, the answer depends on where you plan to live, how large your home will be, and what features you want. On average, these homes remain one of the most affordable housing options in the state, especially for retirees and first-time buyers.
By budgeting wisely, exploring financing options, and comparing different manufacturers and locations, you can find a high-quality double-wide that fits your lifestyle and budget. Whether you’re looking to settle near the beaches or enjoy the tranquility of rural Florida, a double-wide mobile home offers the perfect blend of comfort, affordability, and flexibility.
Bottom line: Owning a double-wide in Florida allows you to enjoy the Sunshine State’s beauty without the heavy price tag of traditional housing—making it a smart investment for long-term living.