If you own a mobile home in Montana, there are a few things that you should know to ensure that you are protected and informed.
First, it’s essential to understand the laws and regulations that govern mobile homes in Montana.
Not all states treat mobile homes the same way, and in Montana, there are specific laws that you need to be aware of.
Pros and Cons of Being in Montana
If you own a mobile home in Montana, there are several pros and cons that you should be aware of. Here are some of the most important ones:
Pros
| Location | Montana is known for its breathtaking natural beauty, with stunning mountains, lakes, and forests that are perfect for outdoor activities like hiking, fishing, and skiing. If you love the great outdoors, Montana is the perfect place to be. |
| Utilities | Montana has some of the lowest utility rates in the country, which can be a huge advantage for mobile home owners. You can expect to pay less for electricity, gas, and water in Montana than you would in many other states. |
| Garbage | Most cities and towns in Montana have municipal garbage collection services, which can be a convenient option for mobile home owners who don’t want to deal with the hassle of disposing of their own trash. |
Cons
| Location | While Montana’s natural beauty is a major attraction, it can also be a drawback for mobile home owners. Many mobile home parks are located in remote areas that can be difficult to access, especially during the winter months when snow and ice can make roads treacherous. |
| Utilities | While Montana’s utility rates are generally low, there are some downsides to this. For example, some rural areas may not have access to natural gas or high-speed internet, which can be a major inconvenience for mobile home owners. |
| Garbage | While municipal garbage collection services can be convenient, they can also be expensive. Mobile home owners may be required to pay additional fees for garbage collection, which can add up over time. |
Overall, Montana can be a great place to own a mobile home if you love the great outdoors and don’t mind living in a remote area. However, you should be aware of the potential drawbacks, such as limited access to utilities and higher garbage collection fees.
Pros and Cons of Mobile Home Living in Montana
If you are considering buying a mobile home in Montana, it is important to weigh the pros and cons of this type of living.
Here are some factors to consider:
Pros
| Affordability | Mobile homes are often more affordable than traditional homes. According to Apartment Therapy, the average price of a new mobile home in August 2020 was $88,200, while the average sale price of a traditional home in December 2020 was $394,900. This can make mobile homes a great option for low-income residents and those looking for affordable housing. |
| Flexibility | One of the biggest advantages of mobile homes is their mobility. If you own the land where your mobile home sits, you can easily move it to a new location if you need to. This can be especially useful for those who want to travel or live in different areas of Montana for different seasons. |
| Low Maintenance | Mobile homes require less maintenance than traditional homes. You don’t have to worry about maintaining a large yard or dealing with expensive repairs to the foundation or roof. Additionally, many mobile home parks offer maintenance services for common areas and utilities. |
Cons
| Quality | Mobile homes are often seen as lower quality than traditional homes. However, this is not always the case. According to Move.org, modern mobile homes are often built with the same materials and techniques as traditional homes. However, it is important to do your research and choose a reputable manufacturer. |
| Stigma | Unfortunately, mobile homes have a negative stigma attached to them. Some people view them as low-class or temporary housing. However, this is changing as more people recognize the benefits of mobile homes. |
| RV Parks | If you plan to live in your mobile home in an RV park, there are some drawbacks to consider. For example, you may have to deal with noise from other RVs or limited space for outdoor activities. Additionally, some RV parks have restrictions on the age or condition of mobile homes. |
Overall, mobile homes can be a great option for affordable and flexible living in Montana. However, it is important to weigh the pros and cons and choose a reputable manufacturer and park.
Where to Buy Mobile Homes in Montana
If you’re looking to buy a mobile home in Montana, there are a few places you can start your search. Here are some options to consider:
Dealerships
Mobile home dealerships are a great place to start your search. They will have a variety of models to choose from, and you can often customize your home to fit your needs.
Additionally, dealerships will usually handle all the necessary paperwork and filings for you, making the process easier.
Real Estate Websites
Many real estate websites, such as Zillow and Realtor.com, list mobile homes for sale in Montana.
You can search by location, price, and other criteria to find the right home for you. These websites often have photos and detailed descriptions of the homes, making it easier to narrow down your options.
Private Sellers
You can also find mobile homes for sale by private sellers.
Check local classified ads or online marketplaces such as Craigslist to see if anyone is selling a mobile home in your area.
Keep in mind that when buying from a private seller, you will need to handle all the paperwork and filings yourself.
Manufactured Home Communities
If you’re looking to live in a mobile home community, you can search for communities in your area.
These communities often have homes for sale or rent, and they may offer amenities such as a clubhouse, pool, or playground.
Montana Department of Revenue
For any questions about which forms you need or how your home is classified, you can contact the Montana Department of Revenue. They can also provide information about property taxes and exemptions for mobile homes.
No matter where you decide to buy your mobile home in Montana, be sure to do your research and ask plenty of questions.
Make sure you understand all the costs involved, including any fees for moving or set-up. With some careful planning and consideration, you can find the perfect mobile home for you and your family.
Sales Tax and Property Tax on Mobile Homes in Montana
If you own a mobile home in Montana, it’s important to understand the sales tax and property tax implications. Here’s what you need to know:
Sales Tax on Mobile Homes
When you purchase a mobile home in Montana, you will likely be required to pay sales tax.
The exact amount of sales tax you’ll pay depends on the state and local tax rates where you live. For example, in Montana, the sales tax rate is 0%, but there may be local taxes that apply.
To find out how much sales tax you’ll need to pay, you can contact your county treasurer’s office. They can provide you with information about the tax rates in your area. You can also check the Montana Department of Revenue website for more information.
Property Tax on Mobile Homes
In Montana, mobile homes are considered personal property, not real property. This means that they are subject to personal property tax, not real property tax.
The amount of property tax you’ll pay on your mobile home depends on its value and age.
If your mobile home is at least 28 years old and valued at less than $10,000, you may be eligible for property tax relief. Senate Bill 204, passed in 2019, created an exemption for mobile homes meeting these criteria starting in property tax year 2020.
To find out how much property tax you’ll need to pay, you can contact your county treasurer’s office. They can provide you with information about the tax rates in your area.
Differences Between Real Property and Personal Property
It’s important to understand the difference between real property and personal property when it comes to taxes. Real property refers to land and anything attached to it, such as a house. Real property is subject to real property tax.
Personal property, on the other hand, refers to anything that is not real property. This includes mobile homes, cars, and boats. Personal property is subject to personal property tax.
Understanding the difference between these two types of property can help you determine which taxes you’ll need to pay.
Furniture and Appliances for Mobile Homes in Montana
When it comes to furnishing and equipping your mobile home in Montana, there are a few things to consider.
Mobile homes have different dimensions and layouts than traditional homes, so it’s important to choose furniture and appliances that fit well and are designed for mobile homes.
Furniture for Mobile Homes in Montana
To make the most of the space in your mobile home, consider furniture that is multi-functional and space-saving.
For example, a sofa bed can serve as both a seating area and a guest bed, while a drop-leaf table can be expanded for meals and then folded down to save space.
When choosing furniture for your mobile home, keep in mind the weight and size restrictions for mobile homes. Heavy furniture can damage the floors and walls of your mobile home, so choose lightweight and compact pieces that are easy to move around.
Appliances for Mobile Homes in Montana
When it comes to appliances for your mobile home, it’s important to choose models that are designed for mobile homes. Mobile homes have different electrical and plumbing systems than traditional homes, so not all appliances are compatible.
Some appliances that are designed specifically for mobile homes include compact refrigerators, built-in microwaves, and washer/dryer combos. These appliances are designed to fit in smaller spaces and work with the electrical and plumbing systems in mobile homes.
Before purchasing any appliances for your mobile home, be sure to check the specifications and make sure they are compatible with your mobile home’s electrical and plumbing systems.
Mobile Home Parts, Remodeling, and Contractors in Montana
As a mobile home owner in Montana, it’s important to know where to find the right parts, remodeling services, and contractors for your home. Here are some tips to help you get started.
Permits for Remodeling a Mobile Home
Before you start any remodeling project on your mobile home, it’s important to check with your local office to see if you need any permits.
The requirements for permits can vary depending on the type of work you plan to do, so it’s best to check with your local office to ensure you’re following all the necessary regulations.
Finding Mobile Home Contractors
When it comes to finding a contractor to work on your mobile home, it’s important to find someone who specializes in mobile home improvements. Look for contractors who have experience working with mobile homes and who are licensed and insured.
You can find mobile home contractors in Montana by searching online directories such as Angi or by asking for recommendations from other mobile home owners in your area. Be sure to ask for references and check them before hiring a contractor.
Mobile Home Parts and Improvements
When it comes to finding parts and making improvements to your mobile home, there are a few things to keep in mind.
First, make sure any improvements you make meet Montana’s standards for mobile home improvements. This can include things like ensuring your foundation is up to code and that any sheds or other structures on your land meet the necessary requirements.
You can find parts for your mobile home at local hardware stores or online retailers such as Mobile Home Parts Store.
Be sure to check with your landlord or park management before making any improvements to your mobile home, as some changes may not be allowed.
Sewer and Electric
If you’re planning to make improvements to your mobile home’s sewer or electric systems, it’s important to hire a licensed professional to do the work. This will ensure that the work is done safely and up to code.
Mobile Home Movers and Insurance in Montana
If you own a mobile home in Montana, it’s essential to understand the laws and regulations surrounding moving and insuring your home. Here’s what you need to know.
Mobile Home Movers
If you’re planning to move your mobile home, you’ll need to work with a licensed, bonded, and insured professional moving company. DIY moves are not allowed as per Montana laws.
The cost of moving a mobile home in Montana is approximately $2,417.97 for a single-wide trailer for a local move of less than 50 miles.
Mobile Home Insurance
Mobile home insurance in Montana is a must-have to protect your home against damages and natural disasters.
Just like homeowner’s insurance for a standard house, Montana mobile home insurance can keep residents protected against many damages and natural disasters.
The average cost of mobile home insurance in Montana is typically between $700 and $1,500 per year.
When purchasing mobile home insurance, make sure to compare rates and coverage options from various insurance providers.
Look for insurance providers that offer coverage for damages caused by floods, fires, and other natural disasters.
Mobile Home Parks and Park Owners
If you’re living in a mobile home park, it’s essential to know your rights as a tenant. Montana laws protect mobile home park residents from unfair practices by park owners.
For example, park owners cannot evict residents without a valid reason or raise rent arbitrarily.
Additionally, mobile home park owners are required to maintain the park’s infrastructure and ensure the safety of their residents.
If you experience any issues with your mobile home park or park owner, you can contact the Montana Department of Justice for assistance.
Mobile Home Lenders and Financing in Montana
If you’re a mobile home owner in Montana, it’s important to know your financing options. Whether you’re looking to purchase a mobile home or refinance an existing loan, there are several lenders in Montana that specialize in mobile home financing.
Financing a Mobile Home
When financing a mobile home, there are several factors to consider. First, you’ll need to decide whether you want to finance the home itself or the land it sits on.
If you own the land, you may be able to obtain a traditional mortgage. However, if you’re only financing the home, you’ll need to look for a lender that specializes in mobile home financing.
Some lenders that offer mobile home financing in Montana include Chattel Mortgage, Rocket Mortgage, and Clearwater Credit Union.
These lenders offer a variety of loan options, including fixed-rate financing, no pre-payment penalties, and low down payments.
Costs of Preparing Land for a Mobile Home
In addition to financing the mobile home itself, you’ll also need to consider the costs of preparing the land for the home. This may include site preparation, foundation installation, and utility connections.
Site preparation costs can vary depending on the condition of the land and the amount of work required. For example, if the land needs to be cleared of trees or debris, this can add to the overall cost.
Foundation installation costs can also vary depending on the type of foundation required and the complexity of the installation.
Utility connections, such as water, sewer, and electricity, can also add to the overall cost of preparing the land for a mobile home. Be sure to factor in these costs when budgeting for your mobile home purchase.
Overall, financing a mobile home in Montana can be a great option for those looking for affordable housing. With a variety of lenders and loan options available, it’s important to do your research and find the financing option that works best for you.
Removing a Mobile Home in Montana
If you’re a mobile home owner in Montana who needs to remove your mobile home, there are a few things you should know.
Removing a mobile home can be a complex process, but with the right information and resources, you can make it a smooth and stress-free experience.
Mobile Home Demolition
Demolition is one of the fastest and most inexpensive ways to remove a mobile home.
It typically costs between $3,000-$7,000 to demolish your mobile home. The average cost to demolish a mobile home in the U.S. is $3.50-$5 per square foot.
However, several factors will affect this price, including the size of your mobile home and the location of your property.
Before you begin the demolition process, you’ll need to obtain the necessary permits from your local government.
You may also need to hire a contractor to handle the demolition and disposal of your mobile home.
Moving Your Mobile Home
If you’re planning to move your mobile home to a new location, you’ll need to hire a professional mobile home moving company.
The cost of moving a mobile home can vary widely depending on the size of your home, the distance of the move, and any additional services you require.
According to Moving.com, for relocations within 50 miles, you should anticipate spending somewhere between $5,000 and $8,000 for acquiring permits, moving your home, and hooking up utilities for a single-wide manufactured home. For a double-wide, that amount increases to about $10,000 to $13,000.
Disposing of Your Mobile Home
If your mobile home is no longer in usable condition, you may need to dispose of it. In Montana, if you have an abandoned mobile home on your property, you may be able to dispose of it through the Montana Department of Environmental Quality’s Abandoned Mobile Home Program.
This program provides assistance to property owners who need to dispose of abandoned mobile homes on their property.
To participate in the program, you’ll need to complete an application and provide proof of ownership of the property where the mobile home is located.
You’ll also need to pay a disposal fee, which varies depending on the size of your mobile home.
Mobile Home Parks in Montana
If you own a mobile home in Montana, you may be living in a mobile home park. Mobile home parks are a popular option for many mobile home owners.
They offer affordable living in a community setting. However, there are some things you should know about mobile home parks in Montana.
Felons in Mobile Home Parks
If you are a felon, you may have difficulty finding a mobile home park that will allow you to live there.
Some mobile home parks in Montana have policies that prohibit felons from living in the park.
If you are a felon and you are looking for a place to live, you may want to check with the mobile home park before you sign a lease.
Pet-Friendly Mobile Home Parks
If you have a pet, you will want to find a mobile home park that is pet-friendly. Some mobile home parks in Montana have strict rules about pets. For example, some parks may only allow small dogs or cats.
Others may require that you keep your pet on a leash at all times. Make sure you check with the mobile home park before you bring your pet.
Rent Increases in Mobile Home Parks
Mobile home park owners in Montana are allowed to increase lot rent. However, they must give you notice before they do so.
Montana law requires that mobile home park owners give you at least 90 days’ notice before they increase your lot rent. This gives you time to prepare for the increase.
Mobile Home Park Regulations
Montana has regulations that govern mobile home parks. These regulations cover things like sanitation, water supply, and electrical systems.
Mobile home park owners in Montana must comply with these regulations. If you have a problem with your mobile home park, you can contact the Montana Department of Public Health and Human Services. They can help you with any issues you may have.
Here is a table that summarizes some key information about mobile home parks in Montana:
| Topic | Information |
|---|---|
| Felons in Mobile Home Parks | Some mobile home parks in Montana have policies that prohibit felons from living in the park. |
| Pet-Friendly Mobile Home Parks | Make sure you check with the mobile home park before you bring your pet. |
| Rent Increases in Mobile Home Parks | Montana law requires that mobile home park owners give you at least 90 days’ notice before they increase your lot rent. |
| Mobile Home Park Regulations | Mobile home park owners in Montana must comply with state regulations. If you have a problem with your mobile home park, you can contact the Montana Department of Public Health and Human Services. |
Complaints and Registration for Mobile Homes in Montana
If you are a mobile home owner in Montana, it is important to know how to file a complaint, detitle your mobile home, and understand zoning regulations.
Filing a Complaint
If you have a complaint about your mobile home, you can file a complaint with the Montana Department of Commerce.
To file a complaint, you can submit it online at https://app.mt.gov/mhsd/Complaints/, or you can call (406) 841-2770. The Montana Manufactured Housing and Installers
Program handles complaints about manufactured homes, mobile homes, and modular homes.
Detitling a Mobile Home
If you want to detitle your mobile home, you will need to follow the guidelines set forth by the Montana Department of Justice.
The process involves filling out a form, providing proof of ownership, and paying a fee. For more information on detitling a mobile home, visit https://dojmt.gov/driving/mobile-homes/.
Zoning for Mobile Homes
Zoning regulations for mobile homes vary by local government. Some areas require mobile homes to be on a permanent foundation, while others do not. It is important to check with your local government to understand the zoning regulations for mobile homes in your area.
R-Great Falls has a zoning ordinance that regulates mobile homes. According to the ordinance, mobile homes must be on a permanent foundation and must meet certain requirements to be considered a permanent structure. For more information, visit https://greatfallsmt.net/planning-and-community-development/zoning-ordinance.
Exemptions
Senate Bill 204, passed by the Montana Legislature, created an exemption for mobile homes that are at least 28 years old, valued at less than $10,000 per their most recent assessment, and not an improvement to real property.
This exemption applies to property tax year 2020 and beyond. For more information on property tax exemptions for mobile homes, visit https://mtrevenue.gov/2019/05/21/owners-of-older-mobile-homes-may-see-property-tax-relief/.
In summary, as a mobile home owner in Montana, you should know how to file a complaint, detitle your mobile home, and understand zoning regulations. It is also important to be aware of any exemptions that may apply to your mobile home.
Montana Building Code and Mobile Homes
If you own a mobile home in Montana, it’s important to understand the state’s building code requirements.
The Montana Building Codes Program oversees the enforcement of building codes in the state, including those for mobile homes.
Mobile homes in Montana are required to meet certain standards for strength, electrical systems, quality, and design. These standards are in place to ensure the safety and well-being of mobile home residents.
When it comes to strength, mobile homes in Montana must meet the requirements set forth in the state’s adopted building code.
This includes standards for wind resistance, roof load capacity, and other structural elements of the home.
In terms of electrical systems, mobile homes must be wired in accordance with the National Electrical Code (NEC) and must meet the requirements set forth in the state’s adopted building code. This includes standards for electrical outlets, wiring, and other electrical components.
When it comes to quality, mobile homes in Montana must meet the standards set forth in the state’s adopted building code. This includes requirements for insulation, ventilation, and other elements of the home that impact its overall quality.
Finally, mobile homes in Montana must be designed in accordance with the standards set forth in the state’s adopted building code. This includes requirements for the size and layout of the home, as well as its overall design and appearance.
If you’re planning to purchase a mobile home in Montana, it’s important to work with a licensed dealer who can help ensure that the home meets all of the state’s building code requirements.
Additionally, if you’re planning to make modifications or repairs to your existing mobile home, it’s important to work with a licensed contractor who is familiar with the state’s building code requirements.
For more information on Montana’s building code requirements for mobile homes, visit the Montana Building Codes Program website at https://bsd.dli.mt.gov/Building-Codes-Permits/.
Mobile Home Professional Organizations in Montana
If you own a mobile home in Montana, it’s essential to know about the professional organizations that can help you with various aspects of owning a mobile home.
These organizations can provide you with valuable information and resources to help you navigate the complexities of owning a mobile home in Montana.
One of the most prominent professional organizations in Montana is the Montana Manufactured Housing and RV Association (MMH&RV).
This organization represents factory-built housing and RV interests in the state and provides an effective voice before the Montana Legislature, city, county, and state government officials. Members of the MMH&RV come from every facet of the industry.
Another organization that can help mobile home owners in Montana is NeighborWorks Montana. This organization works to preserve and develop manufactured housing and helps homeowners purchase and successfully manage their homes.
Through their resident-owned community program, they help residents of mobile home parks in the state come together and finance the purchase of their parks, forming “resident-owned communities.”
If you’re looking to buy a mobile home in Montana, the Montana Manufactured Housing Association (MMHA) can help.
They have the largest selection of new and pre-owned manufactured homes, communities, and retailers, all in one place. Whether buying, selling, or renting, their tools and resources make it easy to find the right home for you.
These professional organizations can provide you with a wealth of information and resources to help you with various aspects of owning a mobile home in Montana. From buying and selling to managing and maintaining your home, they can help you navigate the complexities of the industry.
Take advantage of their expertise and knowledge to make the most of your mobile home ownership experience.
| Organization | Website |
|---|---|
| Montana Manufactured Housing and RV Association (MMH&RV) | https://www.mtmhrv.org/ |
| NeighborWorks Montana | https://www.nwmt.org/manufactured-housing/ |
| Montana Manufactured Housing Association (MMHA) | https://www.mhvillage.com/state-associations/12 |
Conclusion
In conclusion, as a Montana mobile home owner, it is important to be aware of your rights and responsibilities. Knowing the laws and regulations that apply to mobile homes can help you avoid legal issues and financial problems.
One of the most important things to keep in mind is that you have the right to a safe and habitable living environment. If you have concerns about the condition of your mobile home park or the behavior of your landlord, you should contact the Montana Department of Justice for assistance.
It is also important to be aware of your property tax obligations. If your mobile home is at least 28 years old and valued at less than $10,000, you may be eligible for a property tax exemption. This can help you save money on your taxes and make it easier to afford your home.
Finally, it is important to understand that mobile homes are a valuable form of affordable housing in Montana. By taking care of your home and advocating for your rights, you can help ensure that mobile homes remain a viable option for people of all incomes.
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