RV vs Mobile Home: 8 Key Factors for Your Best Choice

Technically speaking, an RV is a mobile home. But that’s where the similarities end between a motorhome and a mobile home. For example, mobile homes must meet standards that an RV doesn’t have to meet. 

Let’s look at the differences between mobile homes and RVs and what to consider before purchasing either.

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What is an RV?

An RV is a vehicle, but you can live in one long-term. Or, you can travel from campground to campground and see the sites.

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RVs have basic amenities such as a bathroom, a bedroom, and a kitchen. Motorhomes and travel trailers range in size and luxury.

Types of RVs and Motorhomes

• Class A RV
• Class B
• Class C 
• Truck camper
• Pop-up camper
• Travel trailer
• Teardrop trailer
• Hybrid trailer
• Fifth wheel trailer

Which kind of RV holds its value the best?

A Class B motorhome tends to hold its value the longest out of all choices.

Fifth wheels and Class A RVs.depreciate the faster out of the RVs. And, when comparing towable campers, travel trailers drop in value the quickest.

What is a mobile home?

The US Department of Housing and Urban Development HUD defines a mobile or manufactured home as one built on a permanent chassis transported from a factory to a final destination. 

Mobile homes have been around since the early 1900s. However, the HUD did not begin regulating the manufacturing of mobile homes until 1976.

Is an RV considered a mobile home?

While both are homes on wheels, an RV and a mobile home are quite different.

8 Factors to Consider When Choosing Between a Mobile Home vs an RV

Different purposes

The biggest difference between an RV and a mobile home is that they’re built for entirely different purposes.

An RV is designed to travel long distances and park in overnight campsites.

On the other hand, a mobile home is meant to become a permanent residence or a home away from home. Mobile homes are usually parked in a long-term community because they aren’t made to drive long distances.

Size

Most RVs are smaller than even a single-wide mobile home. Some travel trailers hitch to a truck, and away you go.

A mobile home is at least 20 feet long, and some are as large as 50 feet. And it’s best not to try to move a mobile home using a traditional truck.

Different amenities

While an RV does have a bathroom and kitchen, it’s likely not to have separate bedrooms.

A mobile home has a far bigger kitchen and bathroom and will likely have more than a single bedroom.

Mobile homes and RVs differ in terms of roominess, too. Mobile homes have open floor plans and will have tons more space than a motorhome.

Utilities

An RV has utilities built-in – water, electricity, etc. However, you will have to find a spot with hookups to use the built-in amenities.

A mobile home must be hooked up to utilities before receiving services.

When it comes to the electric bill, a mobile home is the greenest and cheapest in terms of the cost of utilities. Manufactured homes are built to be energy efficient according to HUD standards and are often even more so than a traditional home.

Short-term vs long-term living

RVs are smaller than manufactured homes and not meant to really live in the long term. 

A mobile home is usually more expensive than an RV because it’s meant to be a perma-home.

What is the lifespan of a mobile home?

Mobile homes are built so well that they can last anywhere from 30 to 50 years. Thanks, HUD.

Is it cheaper to live in an RV or mobile home?

At face value, it would seem that an RV costs less to live in the long term than a mobile home. But there’s more to the story.

An RV has maintenance costs, irritating repairs, up-and-down gas prices, and vehicle insurance, not to mention the consequences of even a minor vehicle accident.

An RV and a mobile home are built differently

An RV is constructed on a frame with axles, wheels, and an engine (chassis) and can be driven from one place to another. 

Of course, a mobile home doesn’t have an engine, so it’s built entirely on a wheeled chassis, which means you won’t be driving a mobile home off of a lot. Transporting a mobile home to the final spot will require professional service.

Maintenance Cost

RVs are more expensive to maintain because they are a vehicle and they have appliances. You’re also looking at the fluctuating gas prices and campsite fees.

While a mobile home is larger, it is meant to last decades and is easier to maintain than stick-built homes and RVs.

Is insurance cheaper on an RV or a mobile home?

You aren’t required to have mobile home insurance unless you still pay for the loan and the lender requires it.

RVs, on the other hand, require insurance because they qualify as a vehicle. 

RV insurance averages between $1,200 to $2,000 a year. Mobile home insurance can cost as little as $250 annually.

Rate of depreciation

An RV and a mobile lose value when they leave the factory.

But an RV loses around 20% of the total price when you get behind the wheel and drive it off a lot. Broken and aging appliances can cause an RV’s worth to plummet.

The rate of mobile home depreciation is dependent on a few factors.

• housing market
• property value
• community
• the inflation rate

Advantages and disadvantages of a mobile home

Advantages

• Cost-effective. A mobile home is cheaper to buy new, especially a single-wide one.
• More stable. Manufactured homes are more durable because RVs are meant to be stationary long-term.
• Few unexpected costs. You can’t predict the price of RV repairs, gas, and parking fees. Mobile homes are far easier to budget for.
• More room. Mobile homes have an open floor plan and typically more than one bedroom. RV’s are cramped and can only fit a few people comfortably.

Disadvantages

• Cost of moving. You can drive an RV around if you want. It costs anywhere from $1,000 to $15,000 to move a mobile home from one location to the next.
• Landlord headaches. A mobile home requires a permanent lot, so an owner often must pay lot rent and other fees. Even if you live in an RV, if a landlord agitates you, you can leave the same day.
• Lack of mobility. The cost and size of mobile homes practically make them immovable.

Advantages and disadvantages of an RV

Advantages

• You’re the boss. As an RV owner, you have the freedom to be your own landlord without pesky leases and lot rent.
• The abundance of mobility. An RV is built to get up and go when you want.
• So many choices. The diversity of RVs makes it difficult to choose. Consider your lifestyle, budget, and travel requirements before investing in an RV.

Disadvantages

• RVs are pricey. Depending on style and amenities, an RV can cost between $50,000 to $200,000.
• Limited space. You can’t throw a party in a motorhome unless it’s only 4 or 5 people.
• Campsite fees. You can find overnight lots that cost as little as $50 and as much as $100. But most will average between $35 and $50 a night. 
• Unforeseen expenses. Maintenance, repairs, gas, and roadside assistance fees are examples of having to expect the unexpected with an RV.

Which type of housing is more popular – RV or Mobile Home?

Mobile homes still vastly outnumber RVs as permanent residences because a manufactured home is more affordable and easier to maintain.

But van, camper, and RV life are becoming a popular trend, and travelers are finding ways to cut costs to make living in a motorhome more accessible to more people.

FAQs about Choosing a Mobile Home vs. RV

What is the difference between a RV and a mobile home?

The difference between an RV and a mobile home lies in the presence of a chassis and wheels, which are found in an RV but not in a mobile home.

Does buying an RV count as a home?

Buying an RV does count as a home if it meets the necessary criteria and serves as your main residence for the majority of the year. Whether it is a boat or an RV without a fixed location, as long as it provides the essential amenities, you can designate it as your primary residence for tax purposes.

Is an RV cheaper than a house?

An RV can be more cost-effective than a house due to its smaller size and reduced utility needs, resulting in lower expenses for heating, cooling, and upkeep. Moreover, living in an RV promotes a simpler and more minimalist way of life, which can lead to fewer expenses associated with belongings.

Is it legal to walk around in a moving RV?

Walking around in a moving RV is not recommended and poses serious risks, even though there may not be specific laws prohibiting it. It is crucial to prioritize your safety by remaining seated and wearing a seatbelt at all times. Failure to do so increases the likelihood of severe injuries or even fatalities.

Is an RV more expensive than a trailer?

An RV is generally more expensive than a trailer in terms of upfront and maintenance costs. If you have a limited budget, it would be advisable to begin your search by considering trailers.

Is an RV more expensive than a house?

An RV is generally less expensive than a house when considering the cost of purchasing a home versus the full-time RV cost of living. It should be noted that these expenses related to home ownership in the US may vary depending on location and other factors.

What’s the difference between RV and camper?

The difference between an RV and a camper is that while the term RV can encompass various types of vehicles, the term “camper” typically only refers to RVs that are towed behind another vehicle, like a car or truck. On the other hand, an RV generally denotes a vehicle that can be driven independently.

What does RV mean on a mobile home?

RV on a mobile home stands for recreational vehicle, which is a motor vehicle or trailer equipped with living quarters intended for accommodation.

Can a fifth wheel be considered a home?

A fifth wheel can be considered a home if it meets the IRS definition of a home, which requires it to have sleeping, cooking, and toilet facilities. These facilities can be in the same room or separate areas, as long as all three are present.

Is it cheaper to live in an RV or trailer?

Living in an RV or trailer can be more cost-effective due to the limited space, which encourages minimalism and reduces the need for excessive spending on belongings. With less room for clothes, toys, and tools, you can save a significant amount of money. Additionally, owning an RV can lead to savings on utilities and home improvement expenses. The cost of living in an RV or trailer can vary depending on individual preferences and choices.

What is the disadvantage of living in an RV?

Living in an RV has its disadvantages, such as limited space, the need for regular maintenance, the stress of traveling, and the challenge of climate control and dealing with unpredictable weather.

Is it realistic to live in an RV?

Living in an RV is a realistic option for many people. Over a million Americans have chosen to live in their RVs full-time and have reported increased happiness and improved relationships as a result. However, it’s important to note that the full-time RV lifestyle may not be suitable for everyone. It requires having adequate space, suitable companions, and a stable financial situation.

Is RV living cheaper than owning a house?

RV living is indeed cheaper than owning a house as it allows for savings on utilities, rent, and mortgage payments.

Can I live in an RV instead of a house?

Living in an RV full-time has become a popular lifestyle choice for many people in the United States who are seeking a sense of freedom and the opportunity to travel the country. However, it is important to note that this alternative living arrangement comes with its own set of unique expenses.

Can you live in an RV like a house?

Living in an RV like a house is possible if you meet the same housing codes as traditional homes, such as having sewer access or a septic system, access to fresh water, and possibly even electrical.

What is the cheapest way to live in an RV?

The cheapest way to live in an RV is by finding long-term parking in less popular, rural areas or by boondocking on public lands throughout the year. However, this means sacrificing access to certain amenities and enduring harsh winter conditions that may make you long for the comforts of your previous home.

Is living in an RV a good way to save money?

Living in an RV can be a cost-effective way to save money due to the absence of typical home expenses. Although campsite fees are necessary unless you exclusively boondock, having no mortgage is a significant advantage. By carefully managing your budget and adhering to it, living in an RV can ultimately result in lower costs compared to residing in a conventional house.

Is owning a RV cost effective?

Owning a RV can be a cost-effective way to explore and experience new destinations, as it allows travelers to avoid costly airfare or hotel expenses and instead enjoy the freedom and flexibility to explore on their own terms.

Can you live in an RV in The uS?

You can live in an RV in the US as long as there are no zoning laws or other local regulations that prohibit it, most states will allow you to live in an RV on your own land for as long as you want.

What are the disadvantages of living in a mobile home?

Living in a mobile home has several disadvantages, including the availability and cost of suitable land, the enduring stigma associated with mobile homes, lender requirements, and the long-term value of the property.

What are the pros and cons of living in a mobile home park?

The pros and cons of living in a mobile home park include the affordability of mobile homes, the opportunity to enjoy peace and quiet, the sense of community, the ability to take your home wherever you go, the convenient locations of mobile home parks, the rules that govern these parks, the limited yard space available, and the close proximity of neighbors.

Why is there a stigma around mobile homes?

There is a stigma surrounding mobile homes due to the misconception that they are the same as manufactured homes. This misconception leads to negative views and attitudes towards pre-1976 homes and mobile parks, which in turn affects the perception of manufactured homes.

Is it better to live in an RV or travel trailer?

Living in a travel trailer is generally preferable to living in an RV due to the significantly lower repair and maintenance costs. The main factor contributing to this is that RVs entail both the maintenance expenses of a regular vehicle and those specific to an RV. Depending on the frequency of use, maintaining an RV could easily amount to several thousand dollars annually.

Why living in an RV is better than living in a house?

Living in an RV offers more free time due to various factors. With limited space, you have more time to yourself as there is less to clean and maintain. Additionally, working from home in an RV reduces the time spent on commuting to and from the office. As a result, at the end of the workday, you can simply unwind and relax, as there are fewer tasks to attend to compared to living in a house.

Are travel trailers good for full-time living?

Travel trailers can be a suitable choice for full-time living due to their ability to provide a downsized living space, proximity to work and school, and an alternative lifestyle that can help save money. Full-time RV living involves traveling on a regular basis, although not necessarily every day.

Is it easier to drive an RV or a trailer?

Driving an RV is generally easier than driving a trailer due to the fact that fifth wheels are more maneuverable and less prone to swaying compared to travel trailers. However, it is important to consider the use of sway bars to minimize sway, especially when driving at high speeds or on windy days. This factor should be taken into account when deciding which type of rig to choose.

Will the price of RVs go down in 2023?

The price of RVs in 2023 may not go down as predicted by industry insiders, as there is a possibility that inflation could cause them to increase instead. RV Travel reports that the United States experienced a high inflation rate at the beginning of 2022 after 20 years of low inflation. Consequently, RV prices could still rise this year.