buying a manufactured home - should you chose a single wide or a double wide - energy dot gov

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  1. Dave Ramsey is not a fan of mobile/manufactured homes (he even says this in his book The Total Money Makeover which I have at home) due to their “depreciation.” He does, however, tell people to buy homes within their means and pay it off as soon as possible. I have a 1990 single wide that is paid off and just pay lot fee now. We are a family of three and don’t need a big place just for stuff. I like having a smaller home that is easier to heat and take care of.

    1. It sounds like you have it made, Paula! Isn’t it nice to have a home that’s paid off?

      Mr. Ramsey’s opinion doesn’t seem to be based on any actual data though (that I could find). He, like most everyone else, keeps saying they depreciate more than they appreciate but all the data I have seen prove otherwise (for homes not in parks).

      Thanks so much for reading MHL!

  2. I am semi retired and I bought a 1999 Redman single wide last year. I will have it paid off in 3 years. It has 3/2 bd/bath and I at last have my craft room and my cats have their own room to hangout complete with a cat door. My bathroom has a big corner tub and a shower stall. I’ve been decorating it for the last 6 months. I love my home, large covered porch and it’s in the trees. My choice isn’t for everyone, but I have confidence now that I will have an affordable place to live throughout my retirement years.

    1. Hi Shelly!

      It’s great to hear from you! I want a craft room and a cat room! (We have a very spoiled Burmese we got her from the Humane Society). It’s amazing the great lifestyle that is possible with a manufactured home! Thanks so much for reading Mobile Home Living!

  3. I like Dave Ramsey too, but every time I hear him mention manufactured housing he trashes them and always says they depreciate. Which as you pointed out is nonsense.

    He never mentions the fact that if it’s on land or in a planned development where the owners own the land, they appreciate just like stick built houses.

    We have one house here in the ‘hood that is actually stick built and if you didn’t know, could never tell as it looks just like everyone else’s MH.

    Found Ramsey after I had gotten out of debt [ zero house, car or credit ], but find him completely on my wavelength about personal financial matters.

    I find the people who blast him the most are the ones that don’t want to hear it.

    Even without land an MH is a better solution than an “air estate”: a condo. There are no people sharing the same walls, no one above or below, your own patch of ground, parking, and one actually owns something.

    Then there are HOA fees that almost cost as much as lot rent and on top of that property taxes. Yet the MH will still be sneered at.

    Own something tangible or the surfaces and air space inside your unit. Which one is the “greater fool” for buying one over the other ?

    My MH is nicer than any place I ever lived in Hollywood and The Valley over nearly 40 years. Insulation ? What a concept. Central air ? When did that happen ? When did builders stop using cloth covered wiring and glass fuses ?

    I loved my condo [ yes, I owned one ] and post war shack in Van Nuys, but neither were as nice as this house is.

    Great article, Kim. I look forward to reading more of your writing