Modular homes are permanent, code-compliant houses built in factories and set on real foundations, while trailers (manufactured homes) are movable structures built on steel chassis and classified as personal property unless retitled. Modular vs Trailer Homes: What You Need to Know First Not all factory-built homes are created equal.  Many people confuse modular homes with trailers or manufactured homes, but they’re built to different standards, serve different needs, and perform very differently over time. Here’s what you need to know right up front: Modular homes are built to local building codes (IRC), just like traditional homes. Manufactured homes (trailers) follow HUD code, designed more for mobility than long-term performance. Modulars are placed on permanent foundations and qualify as real estate. Trailers usually sit on piers or blocks, and unless retitled, they depreciate like vehicles. Modular homes appreciate, are easier to finance and insure, and can be customized like any site-built home. Maintenance is simpler with modular due to use of standard parts, unlike many trailers with non-standard components. In hurricane zones, modular homes can be engineered to withstand up to 180 mph winds, most trailers can’t come close. Whether you’re looking to build a long-term home or avoid costly insurance