Prefab Home Total Move-In Cost Calculator

Add up what a prefab, modular or manufactured home will really cost to move into: your base quote plus land, site work, foundation, delivery, set-up, utilities, permits and a contingency you choose. Mark anything your seller already includes so it is not counted twice.

Enter your quotes and costs

Enter the numbers from your own written quotes and bids. The calculator adds only the costs you mark as not included in your base quote, so nothing is counted twice. It has no built-in prices and does not guess what a seller includes.

1. Your home quote

Home type

What your base quote coversUnit-only quotes usually leave site work, foundation, delivery and utilities to you. Check each line below against your written quote.

Base quote ($)The price on your written quote, including any sales tax the seller already shows.

Home size in sq ft (optional)Used only to show your result per square foot.

2. Land

Land status

Land purchase price ($)Include closing costs if you know them.

3. Other one-time costs

Leave a box blank if it does not apply. Tick Included in base quote only when your written quote lists that item; a ticked item is shown in the breakdown but not added again.

4. Contingency

Contingency type

Contingency (%)You choose the amount; the calculator does not set a default.

Apply percentage to

Estimated cash project budget

Itemized breakdown
Item	Status	Added to budget
Estimated cash project budget

Planning estimate only. This is not a contractor or builder bid, an appraisal, a legal or zoning determination, or a loan approval. It adds the numbers you entered. Financing interest, lot rent, property tax, insurance, utility bills and HOA or community fees are ongoing costs and are not part of this one-time total.

How the calculation works

Estimated cash project budget = base quote + land cash cost + every one-time cost not marked as included + contingency. A percentage contingency is applied only to the subtotal you select. The tool contains no built-in prices, multipliers or regional adjustments; every number comes from you.

Already-owned land adds $0 cash. Its opportunity cost is real but is not a cash expense.
A line ticked as included in your base quote is listed in the breakdown but adds nothing.
Financing interest, lot rent, property tax, insurance, utility bills and HOA or community fees are ongoing costs and are left out of this one-time total.
Nothing you type is sent to Home Cost Desk; the calculation runs in your browser.

Worked example (illustrative numbers only)

These numbers are made up to show how the tool works. They are not a builder quote, a market average or a price for your area. Suppose you already own the land and receive a “Delivered and installed” quote of $150,000 that, in writing, includes transport, crane set and button-up finish work.

Base quote: $150,000, with “Transport, delivery and crane” and “Installation, set-up and finish work” ticked as included (they add $0).
Land: already owned, so $0 cash.
Site clearing and grading $8,000 + foundation $14,000 + utilities $12,000 + permits $3,000 = $37,000 of costs the quote leaves out.
Contingency: 10% applied to “Added one-time costs only” = $3,700.
Estimated cash budget: $150,000 + $0 + $37,000 + $3,700 = $190,700.

If the same buyer instead had a unit-only quote, delivery, crane and button-up would become separate lines and the contingency base would grow with them. The modular home cost guide compares both quote types side by side.

Planning boundary: this is a budgeting aid, not a builder bid, appraisal, legal or zoning determination, or loan approval. See our Research Methodology.

Back to Prefab Homes Guide

Prefab guides that use this calculator: Modular Home Cost 2026 · Prefab Homes Under $100K: What Is Excluded? · Cost to Put a Manufactured Home on Land · Manufactured vs Modular Homes. Comparing two quotes line by line? Print the quote comparison checklist.