Buying and Financing Mobile and Manufactured Homes

Why Los Angeles Works for Manufactured Home Buyers

A row of manufactured homes with carports along a palm-lined street in an established Los Angeles-area community.

Owning a manufactured home in Los Angeles County mostly means living in an established park. You own the home, rent the space, and share private streets with neighbors close by. It works for people who want to own a home near their work or family without buying land, and who are comfortable with monthly space rent and a community’s rules.

It does not suit everyone, and the last section says who should look farther out.

Where the communities are

There is no single manufactured-home district. Parks are spread across the county, inside the City of Los Angeles and in the separate cities around it. The Find a Park search on HCD’s mobilehome parks page lists permitted parks by city. HCD is California’s Department of Housing and Community Development.

Areas of Los Angeles County and our local pages

AreaLocal page
San Fernando ValleySylmar
Santa Clarita ValleySanta Clarita
South BayTorrance and Gardena
Long Beach and the harborLong Beach

The Antelope Valley, around Lancaster and Palmdale, has communities too, along with more homes on their own lots.

What the communities are like

Many of the county’s parks have been in place for decades. Expect mature trees, narrow private streets, compact spaces, and a mix of original homes and newer ones that replaced them.

  • The space. A typical space holds the home, a carport and a small patio or shed. Neighbors are close.
  • Shared areas. Some parks have a clubhouse or a pool and some have neither. Ask what the space rent covers.
  • Age rules. Some communities are 55+ and some are all-age, and a listing does not always say which.
  • Who owns the land. In most parks an owner rents out the spaces. A few are resident-owned, which changes what you buy.
  • The homes. You will see single-wides and double-wides of very different ages. The year matters to a lender, because homes built before June 15, 1976 predate the federal HUD Code.
A carport used as a patio beside a single-wide home, with two chairs, potted plants and the neighboring home close by.
Spaces in older urban communities are compact, and the carport often doubles as the patio.

What living in one involves

Each month you pay the loan, if the home is financed, plus space rent, utilities and insurance. How space rent affects what you can afford shows how to add it up before you commit.

You also live by the park’s rules on pets, vehicles, guests and changes to the outside of the home, and the park approves each buyer separately from the lender. Read how park rules can affect your purchase before you make an offer.

Two local points are worth knowing early:

  • Rent rules depend on the jurisdiction. The City of Los Angeles, unincorporated Los Angeles County and the other cities each handle park rents differently, and a mailing address does not tell you which applies.
  • This is earthquake country. Ask what holds the home on its supports, tie-downs or an earthquake-resistant bracing system, and have an inspector look underneath.

Who it suits, and who should look farther out

A park in Los Angeles County or a home farther out

A park in the county tends to suit you ifLook farther out if
You need to stay close to work or familyYou want to own the land under the home
You are comfortable renting the space and living by community rulesYou want more room between you and the neighbors
The full monthly cost, space rent included, fits your incomeA longer drive is acceptable, or you work from home

Los Angeles or a nearby suburb works through that decision, including how each jurisdiction handles rent.

A home in a park is financed on its own with a home-only loan, and the lender counts the space rent when it reviews your application. All financing is subject to credit approval, and not all applicants or homes will qualify.

Free Tool

Estimate your monthly payment

Try our manufactured & mobile home loan calculator — adjust price, down payment, term, taxes, and space rent to see an estimated monthly payment. Estimates are for educational purposes; all financing is subject to credit approval.

Ready to finance your manufactured home?

Start online, by phone, or with a printable application. A specialist reviews the home, where it sits, and your situation together, then tells you what is needed next. No obligation; subject to credit approval.

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