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HUD Manufactured Homes vs. IRC Modular Homes

Each of our floor plans can be built as a (HUD) Manufactured Home or a (IRC) Modular Home. The manufactured home is built to a national code while the modular home is built to a local or site building code. The most significant difference for an IRC modular home is that there is no steel frame that remains on the home.

Manufactured Homes - HUD is the only building code to be nationally recognized. It preempts any state or local code with respect to manufactured housing. Another unique aspect of the code is that it is performance-based. This allows manufacturers to develop different solutions for meeting a specific performance requirement.  Manufacturers can innovate, developing better cost-effective construction methods and designs to ensure affordability.

Modular Homes - Modular homes are built in compliance with one or more state building codes, but the unit must conform to the code of the state to which it is shipped. The IRC is "prescriptive" and states exactly the way something must be built, unlike the HUD code which is "performance-based".  Each State will adopt one of four building codes defining construction and safety standards for site-built structures; these same standards are used for modular homes that are built in factories.  Just as site-built homes are subject to inspection at specific phases of construction, factory-built modulars must be inspected in the factory as well as at the site once they are delivered and set up.

Manufactured homes are more affordable because modular homes are built to a more rigorous building code that increases the cost of the home. However, modular homes are recognized by most lenders as a site-built home which enables a buyer to obtain more favorable financing terms and appraisals.

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Manufactured Home Prices

Pricing - A consumer must do their homework when it comes to getting a final price on a home. Each dealership will price their homes differently; some include set-up and delivery while others may not. There are many determining factors in the price of a home such as added optional features to the base price of the home, the distance a home is delivered, any additional set up cost, and sales tax.

Our homes are priced with the standard set-up and delivery included in our base price for a site within 75 miles of our sales center.

Base Price is the starting price of a home from the factory without any optional features. Each dealership will determine if they choose to include set up costs and delivery. Not all base prices include the same features; it is important to find out what is included in the base price. Some builders just meet minimum building requirements while others exceed those standards. Examples of this; some homes are built 24" on center whereas others build 16" on center. One home may have only the minimum required amount of insulation while another would have Energy Star Insulation Factors.

Set-Up - Installing your home per the State installation requirements, seal the exterior of the home at the roof joints and end seams of the ceiling, marriage walls, end walls, and tape and texture to factory specifications. Lay padding and carpet in designated areas according to the specification of your sales agreement. Check for water pressure, leaks or any plugged lines. The hitches are removed from the home; tires, wheels and axles are returned to the manufacturer, the hitches stay with the home. Some items that could cost extra in the set up are:

  • Mini Cat or Any Extra Equipment to Place the Home on Site
  • Hinged Roof Systems
  • Horizontal Lap Close Up
  • Extra Blocking Under the Home
  • Rollering of Home onto it's Foundation

Standard Delivery - Deliver a home to a site anywhere within 75 miles of our sales center, provided delivery can be accomplished with the standard highway toter truck. Extra cost could be:

  • Mini Cat
  • Barge
  • Road Permits
  • Extra Pilots

Out of State Pricing - Keep in mind Out of State Purchase Risk, consider the following:

  • The dealer is not licensed, bonded or required to provide warranties in Washington.
  • Deposits up to and including 100% pre-payment can be required.
  • The home you receive may not be what you ordered, or even in livable condition.
  • The sale may not include site preparation and home installation.
  • The fine print may hide refund opportunities.
  • Washington State’s first-class consumer protection laws do not cover home and contents.
  • The manufacturer may not recognize the internet sale – no parts, no warranty.

Carefully consider staying with a Washington State dealer so you are not gambling with the largest and most important investment you’ll ever make – your home!


Trailer Home - Trailer homes (also known as Coaches in some areas) were first introduced in the 1930's. They are pre-HUD and built to the same standards as travel trailers. They were generally used for vacation camping or by migrant workers, salesmen, or construction workers who followed their jobs. They became more popular during WWII when the government purchased 35,000 trailers and built 8,550 trailer parks. Most of these were 8' x 22'. After the war, better designs were made and they became more popular for year-round living.

Mobile Home - Mobile homes were built in the 1950's through the mid 1970's, also pre-HUD. During this time, manufacturers were adopting more stringent rules for building. They started building 10' wide sections and giving the trailers tip-outs, more residential features, and double-wide homes were built. They were becoming less mobile and more like traditional homes and allowed lower income citizens to afford the American Dream, their own home.

Manufactured Home - Built to the newly adopted HUD code, the National Manufactured Housing Construction and Safety Code, introduced by Congress in 1974 and mandated to the industry in June 1976. A manufactured home is a factory built home in a controlled environment produced after 1976 to present. In June, 1980, the U.S. Congress officially changed the name to "manufactured home". The homes today are made with the same materials as a site-built home and when placed on an engineered approved foundation, meet all government financing standards thus enabling these homes to be financed to a conforming mortgage.

Modular Home - Modulars are also built in a factory although they are constructed in compliance with state and local building codes. Just as site-built homes are subject to inspection at specific phases on construction, factory-built modulars must be inspected in the factory as well as at the site once they are delivered and set up.

Factory-Built Home - Any home that is built in a controlled factory environment such as modular homes, manufactured homes or panelized kit homes that are not built from the ground up on a site.

Sectional Home - Single-wide homes are one section, normally 14' or 16' wide x designated length. Doubles, triples and quads are determined by how many of these sections are joined together.

Park Model - Park model trailers are constructed under ANSI standards and are not required to meet the HUD code requirements like that of a manufactured home. They are recreational vehicles that are transportable and designed for occasional relocation. These units must not exceed 400 sq. ft.

Green Options

Going Green - We work with manufacturers that are constantly improving the home-building process by reducing and recycling material waste and by reducing energy consumption. They use many materials such as adhesives, paints, caulks, and sealants which are water-based, environmentally-friendly green materials. They are always finding better design methods and energy efficient materials in order to decrease the home-building and home-ownership impact on the environment.  Here are some Green Options that are available:

  • Tankless Water Heaters
  • Heat Pumps
  • Tyvek Home Wrap
  • Dual Flush Toilets
  • Upgrade Furnaces
  • Vinyl Windows
  • CFL Light Bulbs
  • Energy Star Package
    • Added Insulation R-40, R-21, R-33
    • Thermally More Efficient Windows and Doors
    • Quiet Ventilation Systems
    • Additional Sealing of Heating Ducts and Air Leaks
    • Saves on15-30% on Heating Bills
    • Rebates May Be Available


Do manufactured homes hold their value?

Yes, there have been studies which indicate if a manufactured home is placed in a good neighborhood and properly maintained, it will generally appreciate and hold its value the same as a site-built home in the same location.

Can the plans be customized?

Yes, a home can be customized in many ways to meet the needs of the homeowner. All floor plans can be flipped side to side or end to end to suit the landscape of a site. Windows can be placed in strategic locations to accommodate views, and doors can be moved if code requirements are met. Some walls can be moved or a stretch can be added to the home in 16" increments to give more space pending engineering approval from the homebuilder.

Can my new home look like a site-built home?

Yes, we offer many options to give your home a very residential appeal such as higher roof pitches, dormers, rockery accents, horizontal lap siding, metal roofs or architectural shingles and window choices.

Where do I get financing?

At DeTray's Custom Housing, we can provide you with a list of lenders who specialize in manufactured home loans. The professional loan officer that you choose can help you decide which financing program best fits your needs.

Where can I place my new home?

A new law effective July 1, 2005, Senate Bill 6593, allows manufactured homes to be sited anywhere single-family dwelling is allowed. The legislation says all housing is to be regulated equally, whether it is built on site or in a factory. You can place your new home in city limits, out in the country or in a planned community.

Do you help with the site development?

Yes, DeTray's Custom Housing will refer the homeowner to one or two bonded and licensed contractors that can provide estimates for all site-work costs and to obtain the necessary permits. The homeowner is responsible for interviewing and hiring a contractor to perform the work on his or her property.

What comes with my new home?

As much or little as a customer desires. You can order a base price home with just the standard features from the factory or you can choose the options you would like. One of our housing consultants will help with your order.

Is my new manufactured home covered by warranty?

DeTray's Custom Housing's Seller's Limited Warranty states all installation services performed by seller to be free from defects in material and workmanship for a period of one year from the date of occupation of the home, Part III of our Purchase Agreement.

The manufacturers offer a warranty that covers the home and its systems during a stated warranty period. The windows, appliances, roof, siding, flooring, water heater, and furnace are covered by their own warranties.

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10209 149th St. E.
Puyallup WA 98374


(253) 840-6773