Modular Pricing and Payments

How much do modular homes cost?

Our standard modular homes retail for a minimum of about $150.00 Per Square Foot (PSF) delivered, including sales tax. Modular homes generally cost 5% to 20% less than a comparable finished home built on-site in California, but the primary benefit is in faster building costs and a better method of construction.

 As a home gets larger the cost PSF gets lower. The cost PSF will increase incrementally when homes get smaller as the construction cost efficiency is reduced relative to the home size.

We recommend budgeting no less than $35.00-$50.00 Per Square Foot for the on-site work for the vertical construction to build the foundation and to close up & complete the modular home. Site development costs like grading & utilities as well as city fees are additional and not something that we can estimate.
Once you have plans in place a licensed General Contractor can provide you directly with an estimate for the on-site work. Cutting Edge Homes is not a construction company and doesn’t estimate or perform on-site work.

While our modular homes are normally less expensive than site-built homes, the homes will not be as cheap as a manufactured or mobile homes, as our quality standards are much higher. We typically tell our clients that if they can’t afford a minimum of $185.00-195.00 per square foot for their vertical construction costs (hard costs from the foundation up on a level lot), they probably cannot afford our more value-conscious modular homes. Because there are no differences in the appraisal guidelines or a required disclosure, there is no good reason that a modular home has to be less expensive than a site-built home.

For our Cape Cod homes we upgrade the roof to a steeper pitch and use a different roof truss to create the open attic area. You should budget more PSF for the Factory Built portion of the project as well as the on-site work.  yet as many people have realized, these homes are some of the best values that we offer.

If you would like to find out more about the pricing for a specific plan, please sign up for more information on our Contact Us form and we will provide the pricing information to you directly.


I would like to get a loan. What is the best way to learn more about construction financing?

You can call all of the big banks and try to get a loan set up, but they are normally poor lenders for construction loans. We have worked with plenty of lenders over the years. Lenders come and go in the construction loan business, but the following companies will do a great job for you and they clearly understand what a modular home is.

Important Note: Our pricing lists provide model-specific prices for cash buyers of our homes. Additional short-term financing costs will apply when a lender’s payment schedule differs from the factory’s.

Randall Lee Nixon
OneTrust Home Loans
(858) 429-4654 – Office
(619) 954-7816 – Cell
This lender specializes in new modular home construction loans.

Tom Martinson,
On Q Financial
(949) 566-8351 – Office
(760) 419-7337 – Cell
Offers a Variety of Modular Construction Loans, including Conventional, VA, & FHA.

Our lending partners will integrate your loan seamlessly with your project and give you the same rates as stick-built construction financing.

Southern California Route Survey and Feasibility Study – $300
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Northern California Route Survey and Feasibility Study – $500
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