Housing Supply Expansion Act of 2025
The Housing Supply Expansion Act of 2025 proposes broadening the federal definition of a manufactured home to include homes built with or without a permanent chassis. It creates a new federal certification regime requiring states to align their laws and regulations so that “covered manufactured homes” (those built without a permanent chassis but defined as manufactured homes under federal law) are treated in parity with traditional manufactured homes. States must submit initial and annual certifications to the Secretary of Housing and Urban Development (HUD) confirming that their laws cover financing, title, insurance, manufacture, sale, taxes, transportation, installation, and other areas as needed. If a state does not submit the required certification, the sale, installation, or manufacture of covered manufactured homes would be prohibited in that state. The bill also directs HUD to issue model guidance, encourages coordination with other federal agencies, and preserves federal preemption. Overall, the bill aims to expand the use and regulation-alignment of a broader class of factory-built homes to help expand housing supply, while imposing new regulatory compliance requirements on states.
Key Points
- 1Definition update: The term “manufactured home” is broadened from a requirement of being built on a permanent chassis to include homes with or without a permanent chassis.
- 2State certifications: Each state must submit an initial certification within 1 year (2 years for biennial legislatures) showing that state laws treat chassis-less manufactured homes in parity with those built on a permanent chassis, including key areas like financing, title, insurance, manufacture, sale, taxes, and installation, after consultation with a consensus committee.
- 3Recertification and oversight: States must annually recertify that no new laws or regulations have changed the veracity of the initial certification; HUD will publish a list of states that are up-to-date with certifications.
- 4Prohibition on non-certified covered homes: If a state fails to certify by the deadline, manufacture, installation, or sale of covered manufactured homes is prohibited in that state (with the ban applying either to state-administered or HUD-administered installation programs).
- 5Coordination and guidance: HUD may coordinate with other federal agencies to treat these broader manufactured homes consistently across federal programs, and HUD will issue model guidance to support state certifications.
- 6Preemption: The bill preserves the scope of federal preemption under existing manufactured housing laws, meaning federal standards can still preempt conflicting state rules.