Manufactured homes in Florence, Oregon combine affordability with quality. Here’s what to know about costs, financing, and long-term value.

For many buyers, the dream of coastal living feels out of reach. Between high home prices and limited inventory, owning property by the ocean can seem like a fantasy. But manufactured homes — especially in communities like Florence, Oregon’s Three Mile Prairie — are making coastal living both attainable and smart.

So what does it really cost to own a manufactured home on the Oregon coast? Let’s break it down.

Home Prices That Make Sense

The average single-family home on the Oregon coast can easily climb above $600,000, and in some towns, prices push past $1 million. Manufactured homes, on the other hand, often start in the low $400s. With square footage ranging from 1,200–1,700 sq. ft., buyers get comparable living space for significantly less.

Financing Options with Flexibility

Unlike older manufactured homes, new models built to Fannie Mae MH Advantage standards qualify for traditional mortgage financing. That means buyers can take advantage of:

• Lower down payment options

• Competitive interest rates

• 30-year terms, just like site-built homes

This makes financing straightforward and budget-friendly.

Monthly Expenses & Upkeep

Manufactured homes are designed to be low-maintenance, especially when built with coastal durability in mind (think fiber cement siding, fiberglass doors, and energy-efficient systems). Add in an HOA that maintains shared spaces, and buyers spend less time and money on upkeep compared to many older coastal properties.

The Long-Term Value

Because of modern construction standards, today’s manufactured homes don’t just cost less upfront — they also hold their value better than past generations of factory-built housing. And in a growing market like Florence, appreciation potential is strong, especially as more buyers look for affordable coastal options.

Conclusion

Owning a home on the Oregon coast doesn’t have to mean stretching your budget. Manufactured homes in Florence offer a rare combination: affordable purchase prices, low maintenance, and long-term value — all just minutes from the beach.