Housing Supply Expansion Act of 2025

This bill updates the meaning of “manufactured home” so it can include homes built with or without a permanent chassis. The goal is to make sure these homes are treated the same across states for things like financing, title, insurance, taxes, transport, installation, and sale .

States must certify to HUD that their laws treat manufactured homes without a permanent chassis the same as those with one. Most states have 1 year to do this; states with legislatures that meet every two years get 2 years. States must also send a short update each year to confirm nothing has changed. HUD will post a public list of states that are up to date. If a state misses the deadline, the manufacture, installation, or sale of these covered homes built after the law takes effect must stop in that state until the state complies. HUD can also work with other federal agencies so rules match, and will give states model guidance to help. This change does not reduce any existing federal preemption over manufactured housing standards .

• Who is affected | What changes | When
• Homebuyers, builders, lenders, and state housing agencies | “Manufactured home” now includes homes with or without a permanent chassis, and states must treat them the same for key processes (financing, title, insurance, taxes, transport, installation, sale). HUD will list compliant states; noncompliant states must halt manufacture, installation, or sale of covered homes built after enactment until they certify. HUD may coordinate with other federal agencies and offer model guidance. | Initial state certification due in 1 year (2 years for biennial legislatures), with annual recertifications after that .