Buy a Mobile Home in New York (Your Path to Homeownership)

Buying a mobile home in New York can be an affordable and flexible housing option for many residents. The mobile home market offers a wide variety of homes, from single-wide trailers to luxurious multi-section homes that can provide all the comforts of a traditional home. Whether you’re a first-time buyer or looking to downsize, exploring the mobile home market in New York can result in finding the perfect space to call your own.

Before diving into the mobile home market, it’s essential to familiarize yourself with the various aspects of purchasing and owning a mobile home in New York. This includes understanding the different financing options, selecting the best location for your home, and being aware of the regulations governing mobile homes in the state. It’s also crucial to consider warranty and after-sales services provided by manufacturers and dealers to ensure that your investment remains in good shape for years to come.

Key Takeaways

  • Research financing options and regulations for mobile homes in New York.
  • Select a location based on personal preferences and community amenities.
  • Prioritize warranty and after-sales service when choosing a mobile home dealer.

Purchasing Mobile Homes in New York

When considering buying a mobile home in New York, it’s essential to know what to expect. In this section, we’ll explore mobile home listings in New York and customization options available for potential homebuyers.

1. Mobile Home Listings in New York

New York offers a variety of mobile and manufactured homes for sale to suit different budgets and preferences. Websites like Zillow and are excellent resources for browsing mobile home listings in the state.

These platforms allow you to filter search results according to your desired price range, location, number of bedrooms, and other crucial factors. Keep in mind that the average price of a modular home in New York is around $80 to $100 per square foot, which may vary depending on land and site improvement costs.

2. Customization Options

For those interested in customizing their mobile home, many manufacturers allow you to tailor and design floor plans to fit your needs and taste. By visiting websites like, you can view various floor plan options and virtually tour mobile homes before making a decision. You can also request a personal price quote on any floor plan to get specialized pricing from local dealers, making it easier for you to budget your purchase.

When buying a mobile home in New York, be aware of the legal requirements, such as titling through the DMV before settling into your new residence. By considering available listings, customization options, and legal requirements, you can streamline the home-buying process and find a mobile home that fits your needs and lifestyle.

When searching for a mobile home in New York, it’s essential to consider factors such as price, features, home size, and year of construction.

Utilize websites like Zillow and MHVillage to find listings with photos and detailed information on mobile homes for sale. This section will provide an overview of the affordable and high-end mobile homes available in the market.

1. Affordable Mobile Homes

Whether you’re a first-time home buyer or looking to downsize, affordable mobile homes provide a cost-effective housing option. In 2021, the price per square foot for a manufactured home was about $57, significantly lower than other types of homes built in a neighborhood (excluding land).

When exploring affordable options, focus on features relevant to your needs such as:

  • Home size: Typically ranging from single to double-wide layouts, offering a variety of square footage.
  • Year: Older models may be more budget-friendly but might require updates or maintenance.

2. High-end Mobile Homes

For those looking for luxury features and finishes, New York offers a selection of high-end manufactured homes. These homes often include modern designs, quality materials, and additional amenities such as:

  • Large living spaces: Expansive floor plans featuring multiple bedrooms and bathrooms, as well as open-plan living areas.
  • Upgraded finishes: High-quality flooring, countertops, and fixtures for a refined aesthetic.
  • Additional amenities: Central air conditioning, energy-efficient appliances, and built-in entertainment systems.

To find the right high-end mobile home for your needs, browse New York mobile & manufactured homes for sale on various real estate platforms and filter by the desired features.

As you navigate through the mobile home market in New York, make sure to consider your budget, desired location, and specific housing needs. Carefully review available listings and be prepared to act quickly, as the market can be competitive. By staying informed and confident in your search, you’ll be one step closer to finding the perfect mobile home for you.

Financing a Mobile Home In New York

When you’re looking to buy a mobile home in New York, it’s essential to understand the financing options available to you. Mobile or manufactured homes can be more affordable than traditional homes, but you may still need financing to buy one 1.

One option to consider is a mobile home loan. Some lenders offer specialized loans for mobile homes, which can provide the necessary funds to purchase your new home 2. Keep in mind that financing a mobile or manufactured home is slightly different from financing a traditional house, as most lenders do not consider these homes eligible for conventional mortgage types 3.

If you are a veteran or eligible service member, you may be able to take advantage of VA loans for mobile homes. The Department of Veterans Affairs offers these loans with lower interest rates and more flexible terms. To qualify for a VA loan, you’ll need a valid Certificate of Eligibility and meet the necessary credit and income requirements 4.

Be aware that when buying a mobile home in New York, your new home will need to be titled, especially if it was manufactured after 1995. New York’s Department of Motor Vehicles handles the titling process 5. Ensuring your home is properly titled is an important step in securing financing.

Through careful research and understanding of your options, you can find the right financing plan that suits your needs for purchasing a mobile home in New York.


  1. Bankrate – How To Finance A Mobile Or Manufactured Home
  2. U.S. News – Best Mobile Home Loans of 2023
  3. Rocket Mortgage – Mobile Home And Manufactured Home Loans
  4. – VA Loans for Mobile Homes
  5. Mobile Home Living – Things to Know When Buying a Mobile Home in New York

Location Choices

When considering buying a mobile home in New York, you have several location options to choose from. In this section, we’ll discuss some popular areas for mobile homes, such as Mobile Home Parks in NYC, Mobile Homes in Erin, Mobile Homes in Western NY, and Mobile Homes in Southern NY.

1. Mobile Home Parks in NYC

Although New York City may not be the first place that comes to mind when thinking about mobile homes, there are a few mobile home parks in the area.

These parks offer a unique living experience in the heart of the city, with a more affordable price tag than traditional housing options.

Keep in mind that space can be limited in these parks, so it’s important to research and visit potential parks before making a decision.

2. Mobile Homes in Erin

Erin, a quaint town in Chemung County, offers a more rural setting for your mobile home.

With beautiful countryside, a peaceful atmosphere, and a sense of community, Erin is an ideal location for those looking for a quiet environment.

There are several mobile home parks in the area, providing you with a comfortable and affordable place to call home.

3. Mobile Homes in Western NY

If you’re drawn to the scenic beauty and outdoor recreational opportunities that Western New York has to offer, consider purchasing a mobile home in this region.

With a range of mobile home parks and communities throughout the area, such as near Lake Erie or close to the Finger Lakes, you’ll have plenty of options for finding the perfect spot.

4. Mobile Homes in Southern NY

Southern New York is another attractive area for mobile home living.

Boasting picturesque landscapes, easy access to both New York City and Philadelphia, and a variety of mobile home communities, this region offers a great balance of rural and urban living. Do your research and explore different communities in Southern NY to find the right fit for your lifestyle and budget.

New York’s Mobile Home Regulations

1. Zoning Laws

In New York, zoning laws play a crucial role in the placement and installation of mobile homes. Municipalities have the authority to regulate the location and usage of manufactured housing within their jurisdiction.

It is essential for you to familiarize yourself with local zoning regulations before purchasing a mobile home. To learn more about the specifics governing your area, check the Department of State’s guidelines on municipal regulation of manufactured housing.

2. Safety Regulations

The safety of manufactured homes is governed by strict standards, ensuring quality and protection for residents. Since 1976, all manufactured homes must be built to federal standards in a controlled factory environment. Manufacturers in New York must have current HUD approval pursuant to 19 NYCRR Part 1210.04 (a).

As a mobile home buyer in New York, you should be aware that your new home must be titled and meet specific requirements. The titling process is overseen by the DMV, and more information can be found here.

If you encounter any problems related to your manufactured home, the Department of State accepts complaints from homeowners, retailers, manufacturers, installers, mechanics, or lending entities seeking resolution for alleged substantial defects in the delivered condition, installation, service, or construction of a mobile home.

Remember to always stay well-informed and comply with both local zoning laws and federal safety regulations to ensure a smooth process when purchasing and living in a mobile home in New York.

Warranty and After-Sales Service For Mobile Homes In New York

When purchasing a mobile home in New York, it’s important to be aware of the warranty and after-sales services available to you. All new manufactured homes come with a builder-backed manufactured home warranty that lasts for a minimum of one year. Make sure to fully utilize this warranty to resolve any issues that may arise during this period.

In addition to the warranty, you should be prepared to handle any problems or questions that may arise after purchasing your mobile home. Whether it’s a small repair job or a major issue, having a reliable after-sales service provider can make your life as a homeowner much simpler. You may wish to consider purchasing a home warranty for your mobile home for added protection and peace of mind.

In New York State, the Department of State sets standards and regulations for manufacturing homes. Be sure to familiarize yourself with these legal requirements and take advantage of any training or continuing education programs available to you, if necessary.

These resources can be invaluable in ensuring that your mobile home purchase is legally compliant and safe for occupancy.

To ensure a smooth ownership experience, it’s essential to maintain open communication with your mobile home manufacturer and promptly address any concerns or inquiries that may arise during the warranty period. This way, you can clarify any misunderstandings early and have a smooth after-sales support experience.

As you settle into your new mobile home in New York, always remember to consult your warranty and after-sales service providers when dealing with any issues. By staying informed and proactive, you can enjoy a comfortable and stress-free living experience in your new mobile home.


Purchasing a mobile home in New York can be a great and affordable housing option for many individuals and families. It is essential to understand the process and consider various factors before making the decision.

Firstly, consider the type of mobile home you want and the location where you would like it to be placed. Research prices, financing options, and any regulations concerning mobile homes in your desired area. Don’t forget about hidden costs and consider potential long-term expenses, such as maintenance and utilities.

When you are ready, it is crucial to follow the legal process of purchasing a mobile home in New York State. This includes ensuring the proper transfer of ownership, obtaining necessary permits, and making sure the home meets safety standards.

Lastly, be aware of any changes in tax exemptions for mobile homes, such as the STAR exemption change in 2022. Staying informed about these changes can save you money in the long run.

By following these steps and conducting thorough research, you can confidently make an informed decision when purchasing a mobile home in New York.

Buy Mobile Home In….
New HampshireNew JerseyNew MexicoNew York
North CarolinaNorth DakotaOhioOklahoma
OregonPennsylvaniaRhode IslandSouth Carolina
South DakotaTennesseeTexasUtah
VermontVirginiaWashingtonWest Virginia