Land + Home Cost Calculator

What this calculator includes

It uses the same categories and math as our full Manufactured Home + Land True Cost Calculator: land with closing and due diligence, the home with delivery, installation, foundation, and setup, site prep, and utilities, plus a cushion for surprises on the land and home.

Your monthly cost is the loan payment plus property tax and insurance.

Where the local numbers come from

Your zip code fills in starting numbers for your state: new manufactured home prices from the U.S. Census Bureau (average by region, June 2025 to May 2026), land values from the USDA's 2025 Land Values report (adjusted up, since small homesite lots cost more per acre than farmland), and property tax rates from the 2024 Census American Community Survey. Setup, site work, and utility costs are typical ranges adjusted for your region. They're a starting point. Written quotes from a dealer, a site contractor, and your county will always beat an average.