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Clayton Homes Cost Estimator
Leading provider of clayton homes estimating services.
Clayton Homes is one of America’s leading manufacturers of affordable, factory-built housing, offering options from simple single-wides to fully customized modular mansions. Understanding the cost to purchase, prepare, and install a Clayton Home can be overwhelming without the right data. This blog breaks down what to expect in 2025, whether you’re budgeting for a starter home or a high-end prefab residence.
Average Cost of Clayton Homes
The average cost of a Clayton Home in 2025 ranges between $80,000 and $220,000, depending on the model type, size, location, and finishes. While base prices might appear low, final prices often include land prep, delivery, installation, and custom upgrades, pushing the actual investment higher.
Home Type | Base Price (2025) | Installed Price Range |
Single-Wide | $80,000 – $95,000 | $100,000 – $130,000 |
Double-Wide | $110,000 – $145,000 | $135,000 – $180,000 |
Triple-Wide/Modular | $160,000 – $190,000 | $190,000 – $250,000+ |
Clayton Homes Price by Model Type
Clayton Homes offers several series like TRU, Epic, Classic, and Designer Homes. TRU Homes focus on affordability, while Designer Series homes emphasize customization and upscale interiors.
Model Series | Target Audience | Starting Price (Base) |
TRU Homes | Budget buyers | $80,000 – $90,000 |
Epic Collection | Mid-range buyers | $95,000 – $135,000 |
Classic Series | Customizable options | $120,000 – $160,000 |
Designer Series | High-end homebuyers | $170,000 – $220,000+ |
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Single-Wide vs. Double-Wide vs. Triple-Wide Homes
The size of the home plays a major role in pricing. While single-wides are compact and affordable, double-wides offer more space and resale value. Triple-wides or modulars can resemble site-built homes and are ideal for families.
Home Type | Square Footage | Installed Price Range |
Single-Wide | 600 – 1,100 sq. ft | $100,000 – $130,000 |
Double-Wide | 1,200 – 1,800 sq. ft | $135,000 – $180,000 |
Triple-Wide | 2,000 – 2,600 sq. ft | $190,000 – $250,000+ |
Modular vs. Manufactured Homes: What’s the Difference?
Clayton builds both manufactured homes (built to HUD standards) and modular homes (built to local building codes). While both are built off-site, modular homes are often considered permanent structures and qualify for traditional financing.
Home Type | Code Compliance | Cost | Financing Options |
Manufactured | HUD (federal) | Lower upfront cost | FHA, VA, Chattel Loans |
Modular | State/local codes | Higher overall cost | Conventional & FHA Loans |
Cost Breakdown by Size (2-Bed, 3-Bed, 4-Bed)
Clayton Homes offers flexible layouts for various family sizes. Here’s a detailed cost estimate based on the number of bedrooms and total square footage.
Configuration | Sq. Ft. Range | Price Range (Installed) |
2-Bedroom | 800 – 1,200 | $95,000 – $130,000 |
3-Bedroom | 1,200 – 1,600 | $135,000 – $170,000 |
4-Bedroom | 1,600 – 2,400 | $170,000 – $220,000+ |
Site Prep, Land, Delivery & Installation Costs
The base price of a Clayton Home does not include the essential services needed to place it on land. Costs such as site clearing, foundation work, plumbing, septic systems, and utility hookups can quickly add $15,000 to $40,000+ to your total.
Component | Estimated Cost |
Land Clearing | $1,500 – $5,000 |
Foundation/Footings | $6,000 – $15,000 |
Utility Hookups (Water, Sewer, Power) | $8,000 – $20,000 |
Home Delivery | $3,000 – $7,000 |
Installation/Anchoring | $4,000 – $10,000 |
Customization & Upgrade Costs for Clayton Homes
Buyers can personalize their Clayton Home with interior and exterior upgrades, such as granite countertops, upgraded flooring, energy-efficient windows, or luxury bathrooms. These options can add $5,000 to $30,000 to your total cost.
Upgrade Type | Estimated Price |
Energy Star Package | $2,000 – $5,000 |
Kitchen Upgrades | $3,000 – $10,000 |
Flooring & Tile | $2,500 – $7,000 |
Siding & Exterior Finish | $2,000 – $6,000 |
Luxury Bath Add-on | $4,000 – $8,500 |
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Hidden Costs to Watch For
It’s important to be aware of potential hidden costs like permits, taxes, insurance, and HOA requirements. These can catch homeowners off guard if not factored into the budget from the start.
Hidden Cost | Estimated Amount |
Permit Fees | $500 – $2,000 |
Local Impact Fees | $1,000 – $5,000+ |
Property Taxes (Annual) | Varies by location |
Manufactured Home Insurance | $600 – $1,200/year |
Landscaping & Driveway | $3,000 – $10,000 |
Clayton Homes Cost in Florida (Regional Pricing Insight)
In Florida, Clayton Homes are increasingly popular due to affordability and hurricane-rated models. However, land prep costs, wind zone compliance, and building permits often push pricing up.
Florida Region | Installed Cost Range |
Orlando | $125,000 – $180,000 |
Tampa | $130,000 – $190,000 |
Jacksonville | $115,000 – $170,000 |
Miami | $140,000 – $220,000+ |
Fort Myers/Naples | $135,000 – $200,000+ |
Financing Options for Clayton Homes
Clayton offers in-house financing options like 21st Mortgage, Vanderbilt Mortgage, or buyers can choose external lenders. Loan types include FHA, VA, USDA, or even chattel loans for manufactured homes not classified as real estate.
Loan Type | Down Payment | Credit Score Needed |
FHA Loan | 3.5% | 580+ |
VA Loan | 0% | 620+ |
USDA Loan | 0% | 640+ |
Chattel Loan | 5–10% | 600+ |
Clayton Homes Cost in Florida (Regional Pricing Insight)
Clayton Homes cost can vary significantly by region. In Florida, higher humidity, stricter wind codes, and flood zone regulations increase overall installation costs. Expect to spend $10,000–$20,000 more in areas that require storm bracing, elevated piers, or impact-rated windows.
Florida Cost Component | Estimated Price Range |
Hurricane Anchoring & Bracing | $2,500 – $6,000 |
Elevated Foundations | $4,000 – $12,000 |
Wind-Resistant Windows | $3,000 – $8,000 |
Flood Zone Insurance | $1,500 – $4,500 annually |
Clayton Homes vs. Traditional Stick-Built Homes
While traditional stick-built homes cost $180 to $300 per square foot, Clayton Homes offer a much more affordable alternative, typically falling in the $70 to $120 per sq. ft. range (fully installed). This makes them ideal for first-time homebuyers, retirees, or those building on a budget.
Home Type | Cost Per Sq. Ft. (Avg.) |
Clayton Manufactured | $70 – $90 |
Clayton Modular | $90 – $120 |
Stick-Built Homes | $180 – $300 |
Clayton Energy Efficiency: Long-Term Cost Savings
Many Clayton models meet Energy Star® standards, meaning lower monthly utility bills. Optional features like high-efficiency HVAC, LED lighting, low-E windows, and superior insulation can cut energy costs by up to 30% compared to older mobile homes.
Energy Feature | Cost | Monthly Savings |
ENERGY STAR® Package | $2,000 – $5,000 | $50 – $100/month |
Upgraded Insulation | $1,500 – $3,500 | $20 – $60/month |
Smart Thermostats | $250 – $600 | $10 – $25/month |
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Foundation Types and Their Cost Impact
The foundation you choose affects both durability and compliance. While pier and beam foundations are common, some regions require permanent foundations for modular homes, which qualify for traditional mortgages.
Foundation Type | Estimated Cost | Notes |
Pier and Beam | $4,000 – $8,000 | Common for single/double-wides |
Concrete Slab | $6,000 – $15,000 | Preferred in Florida |
Basement Foundation | $20,000 – $40,000+ | Adds storage/living space |
Interior Finishes and Flooring Costs
Clayton lets you pick interior details ranging from laminate to luxury vinyl plank (LVP), ceramic tile, custom cabinetry, and more. Flooring is one of the most impactful areas of customization.
Flooring Type | Upgrade Cost |
Basic Vinyl | Included |
Luxury Vinyl Plank (LVP) | $2,000 – $6,000 |
Hardwood or Tile | $5,000 – $10,000+ |
Exterior Options and Roofing Types
Exterior options like shutters, siding types (vinyl, Hardie board, or stone), metal roofing, and extended eaves all add to curb appeal—and cost.
Exterior Option | Upgrade Price |
Vinyl Siding | Standard |
Smart Panel Siding | $2,500 – $6,000 |
Metal Roofing | $4,000 – $9,000 |
Stone Accents | $3,500 – $8,000+ |
Garage, Deck & Porch Add-Ons Cost
Many homeowners want a garage, porch, or deck added to their Clayton Home. These are typically built on-site by local contractors after delivery.
Add-On Feature | Cost Range |
Covered Porch | $4,000 – $12,000 |
Attached Garage | $10,000 – $25,000 |
Backyard Deck | $3,000 – $9,000 |
Plumbing, Electrical & HVAC System Costs
Essential mechanical systems come standard, but upgraded systems like tankless water heaters, higher SEER HVAC units, or premium electrical panels increase comfort and performance.
System | Upgrade Cost |
Central HVAC (14–16 SEER) | Included – $4,000 |
Tankless Water Heater | $1,500 – $3,500 |
Premium Electrical Panel | $1,000 – $2,500 |
Financing Options for Clayton Homes
Financing a Clayton Home depends on whether it’s a modular or manufactured unit, and whether it’s on owned land or leased land. Common loan options include:
- FHA Loans
- VA Loans
- Chattel Loans
- USDA Rural Development
- Conventional Mortgages (modular homes on permanent foundations)
Loan Type | Best For |
FHA | Low credit score borrowers |
Chattel | Home on rented land |
VA | Veterans and service members |
Conventional | Modular homes on owned land |
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Final Thoughts – Get an Accurate Estimate
The true cost of a Clayton Home in 2025 depends on your location, land conditions, upgrades, and delivery needs. While base prices are appealing, full installation costs typically land between $120,000 and $250,000+. Working with a knowledgeable contractor or dealer will help you customize accurately and stay on budget.
Question Answer
Frequently Asked Question
In 2025, the cost of a Clayton Home ranges from $80,000 to over $250,000, depending on the model (single-wide, double-wide, or modular), customization level, and location. Final pricing often includes site prep, delivery, installation, and upgrades.
The base price covers the factory-built structure only. It does not include land, foundation work, delivery, installation, utility hookups, or permits—those add an additional $15,000 to $40,000+ to your total cost.
- Single-wide homes are compact (600–1,100 sq. ft.) and budget-friendly.
- Double-wides offer more space (1,200–1,800 sq. ft.) and better resale value.
- Triple-wides/modular homes mimic site-built homes with up to 2,600 sq. ft., offering premium finishes and structural options.
Clayton Homes cost between $70 to $120 per square foot, while traditional homes typically cost $180 to $300 per square foot. Clayton offers significant savings, especially for first-time buyers or budget-conscious families.
Installation costs vary but generally include:
- Land clearing: $1,500 – $5,000
- Foundation: $6,000 – $15,000
- Utility hookups: $8,000 – $20,000
- Delivery & anchoring: $7,000 – $17,000 combined
Yes! You can upgrade flooring, countertops, bathroom fixtures, appliances, energy efficiency packages, and more. Expect to spend $5,000 to $30,000+ on custom features depending on your preferences.
es, buyers should budget for:
- Permit & impact fees: $500 – $7,000
- Insurance & taxes: Varies by location
- Landscaping, driveways, and decks: $3,000 – $10,000
Planning for these early helps avoid budget surprises.
Due to wind zone compliance and humidity-related requirements, Florida homes tend to cost more. Expect installed prices between $115,000 and $220,000+, depending on your city and home type.
Yes. Many Clayton models are Energy Star® certified, which can reduce your utility bills significantly over time. Energy-efficient upgrades may cost $2,000 to $5,000, but pay off in long-term savings.
Clayton offers financing through 21st Mortgage and Vanderbilt, and you can also choose FHA, VA, USDA, or chattel loans. Down payments range from 0% to 10%, depending on loan type and credit score.
Comprehensive Trade-Specific Estimates
At Estimate Florida Consulting, we offer detailed cost estimates across all major trades, ensuring no part of your project is overlooked. From the foundation to the finishing touches, our trade-specific estimates provide you with a complete and accurate breakdown of costs for any type of construction project.
Steps to Follow
Our Simple Process to Get Your Estimate
01
Upload Plans
Submit your project plans, blueprints, or relevant documents through our online form or via email.
02
Receive Quotation
We’ll review your project details and send you a quote based on your scope and requirements.
03
Confirmation
Confirm the details and finalize any adjustments to ensure the estimate meets your project needs.
04
Get Estimate
Receive your detailed, trade-specific estimate within 1-2 business days, ready for your project execution.
