Manufactured Housing is Real Estate

Under state law, manufactured housing is considered real estate. Ownership is transferred by deed rather than a bill of sale. Owners of manufactured housing also have "homestead rights" which protect $100,000 worth of equity ($200,000 for a married couple) from the claims of most creditors. The homestead exemption does not protect the homeowner from the claims of municipalities for unpaid taxes or from the claims of banks or other creditors who hold mortgages on the manufactured home.