I should add that it's difficult to get insurance on manufactured home in FL due to storms. And yes, you need to factor in installing a septic system, water, phone lines, and all that if you're not buying a preexisting or in a park. Fortunately, we are on my parents' property and they paid these fees when installing their manufactured home. We did have to pay for a septic system just for our home, although my dad had one installed that would have easily taken care of both houses. Zoning changed. We enjoy our home and just didn't want more square footage to clean!