Home / Park Budget Planner

Park Budget Planner

Plug in your income, home price, and monthly bills. We project 20 years under three rent-growth scenarios — including what happens if an investment company buys the park. Plain numbers, no jargon.

Park Budget Planner

A 20-year reality check: what lot rent, home payments, and bills could look like as rent rises.

Your money

Monthly retirement incomeEverything coming in each month: Social Security, pension, savings draw./moYearly increase in your incomeSocial Security usually gets a small cost-of-living raise — 2–3% in most years.%Money left over each monthThe share of your income you want still in your pocket after all bills. 10% means: on $2,800 a month, keep at least $280 free. We flag the first year you'd drop below it.%

The home

Home purchase priceDown paymentCost to move the home in (optional)Trucking a manufactured home to the park typically runs $5,000–$15,000. One-time cost, shown separately below. Note: older homes may not survive a move.

How are you paying?Banks usually won't give a regular mortgage on a home in a park. You get a "chattel" loan — like a car loan for a house — so rates run higher. 8–10% is common.

Loan interest rate%Loan termyears

Monthly bills

Park lot rent/moUtilities & other monthly bills/moInsurance/moOther park fees/moSpecial assessment (optional)A one-time bill a park can pass on to homeowners — for repaving roads, replacing water lines, etc.

The three buttons below show the same budget under three different ideas about how fast lot rent goes up. Start with “Typical park,” then compare “Corporate buyer” to see the risk you’re guarding against.

Typical park: Rent goes up about 5% a year — the recent national average for mobile home parks. On a $600 lot, that’s about $30 more per month each year.

Monthly total (rent + home + bills) Your income (COLA-adjusted) 30% caution line reached 40% danger line reached

What this means: At 5% increases, lot rent and park fees reach 31% of your income by year 15 — over the 30% caution line most housing counselors recommend. Twenty-year lot-rent total: about $244,075.

⚠ Lot rent + fees pass 30% of income in year 15.

$1,524all-in, month 1

$2,440all-in, year 20

$244,07520-yr rent + park fees

$689home loan /mo

Typical park scenario — year by year
Year	All-in /mo	Income /mo	Rent + fees share	Left over /mo
1	$1,524	$2,800	22%	$1,276
5	$1,654	$3,091	24%	$1,437
10	$1,855	$3,497	27%	$1,642
20	$2,440	$4,476	34%	$2,036

Estimates for planning, not financial advice. Rent growth rates are scenario assumptions; your park’s actual history may differ.