We're not a dealer or a contractor. Land & Home SD is a referral service for San Diego County. We explain the questions to ask about permits, financing, site prep, and local approval, then connect you with independent local manufactured-home professionals.
From finding the right home to understanding your financing options and navigating County permits, we cover every part of the manufactured home buying process in San Diego County.
New and resale manufactured homes across San Diego County, in parks and on land.
Learn moreAdd a factory-built granny flat for rental income or family. Permits made clear.
Learn moreBuilt to the same code as site-built homes. The real difference explained.
Learn moreChattel loans, FHA, and land-and-home packages. Which one actually fits you.
Learn moreWhat a home really costs in San Diego, from the unit to the site work.
Learn morePermits, foundations, utilities, and who does what. The full roadmap.
Learn moreSwap an old mobile home for a new one in the same space, start to finish.
Learn moreFrom first question to move-in day. Every step, in order.
Learn moreBuying a manufactured home in San Diego County is genuinely confusing. Park rules, County zoning, HUD certification, chattel loans vs. mortgages, site prep costs, ADU rules. Most buyers don't know what they don't know. We do. And we have no inventory to sell you, so our only job is to help you make a good decision.
We cover every city in the county, from coastal communities to mountain towns. Pick your city to see manufactured home options, park locations, and local zoning notes specific to your area.
Land & Home SD is a referral service. We match you with independent licensed professionals for the home, land, and financing questions you bring.
A few of the questions we hear most often. Don't see yours? Call us at (858) 400-4608.
All FAQsWe cover every city in San Diego County. Coastal communities like Encinitas, Carlsbad, and Oceanside. Inland cities like Escondido, San Marcos, and El Cajon. South Bay cities including Chula Vista and National City. And the mountain and desert communities in the east. If it's in the county, we can help.
County PDS103 treats eligible 1971-1976 mobile homes and HUD-certified manufactured homes (on or after June 15, 1976) as homes that can go on a private lot when its other requirements are met. The two labels still mark different construction eras. Modular homes follow California building standards and are not the same as HUD-code manufactured homes. Confirm the unit type with the dealer and the local building authority before you buy.
It depends on the parcel's jurisdiction, zoning, site, utilities, unit, foundation, and permit path. For unincorporated County land, current County PDS103 explains eligibility and private-lot requirements, including stated exceptions. Incorporated cities use their own review processes. Confirm the parcel path before ordering a home or relying on a site-work allowance.
Costs vary by the home and where it goes. For a park purchase, compare the home price with the current space agreement and recurring charges. For private land, ask for itemized figures covering design, delivery, foundation, utilities, permits, grading, access, installation, and finishes. Use complete written proposals for the same scope rather than a unit price or a generic range.
It depends on title, land, foundation, and lender rules. A home on a leased park space is often financed as personal property with a home-only loan. HUD's Title I program can also finance a manufactured home as personal property, including on a leased lot, when current HUD, lender, park-lease, and borrower conditions are met. Real-property mortgages depend on land ownership and current lender rules. We explain the questions to ask and connect you with independent lenders; we do not approve loans.
A manufactured home can be an accessory dwelling unit when the lot and local rules allow it. California Government Code section 66311.5 says a local agency, special district, or water corporation shall not impose any impact fee on an ADU with 750 square feet of interior livable space or less. Separate sale as a condominium is a local-option rule; confirm whether your city or the unincorporated County has adopted it. Site, setback, and utility rules still apply. We help you map the questions for your lot; we do not issue permits.
Real cost questions, honest comparisons, and plain-language guides built for San Diego County buyers. No email required, no sales pitch.
Park homes, new homes on private land, site prep, permits, and utilities. Compare written local quotes for the same scope, not a national average.
Read the cost guide FinancingWhether you qualify for a conventional mortgage or a chattel loan depends on how and where the home is placed. We explain the difference.
Read the financing guide ADU guideImpact-fee rules, local-option separate sale, and how to tell if your lot qualifies. Confirm the ordinance that applies to your parcel.
Read the ADU guide Private landUnit records, foundation systems, the responsible city or County process, permits, utilities, access, and site-work questions.
Read the land guide ProcessFrom deciding what type of home fits your situation to signing the paperwork. A clear walkthrough of the full County process.
Read the process guide BlogDeep dives on financing, permits, dealer vetting, ADUs, and everything else San Diego County buyers are asking about.
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