FL · City hub
Florida — modular, container,
and tiny homes in Florida.
Florida is a hurricane-code, high-STR-yield market. Modular and steel-frame products clear the Florida Building Code faster than site-built stick construction, and Miami-Dade, Broward, and Duval permit paths are all live for factory-built housing.
What the market looks like
Florida in 2026.
The Florida Building Code enforces High-Velocity Hurricane Zone (HVHZ) standards in Miami-Dade and Broward counties — the most stringent wind-load requirements in the country. Modular and panelized builds typically clear HVHZ inspection faster because factory QA/QC is documented at the module level. Statewide ADU authority is jurisdiction-specific: Miami-Dade allows detached ADUs under specific overlays, Jacksonville permits ancillary dwelling units in most single-family districts, and Orlando and Tampa are actively rewriting their ADU codes as of 2026. HUD Small-Area FMR covers all Florida metros. Insurance is the largest hidden cost — factory-built modular with Miami-Dade Notice of Acceptance product approvals typically insures at 20–30% below site-built on comparable envelopes.
Guides
Guides for Florida.
Why container homes are gaining ground in South Florida
The container-home path across Miami-Dade and Broward — HVHZ compliance, insurance, and permit realities.
Read → GuideTiny homes for sale in Miami — 2026
Current Miami-Dade inventory, price bands, and the communities that legally host tiny living in South Florida.
Read → GuideTiny homes for sale in Jacksonville — 2026
Duval County inventory, Jacksonville ancillary-dwelling-unit rules, and where financing clears.
Read → GuideFlorida backyard size benchmarks — 2026
What Florida lot sizes mean for detached ADU siting and STR conversion potential.
Read →Find a builder
Verified builders in Florida.
Find a verified ADU builder in Florida.
License-verified, bond-verified, complaint-record-checked. One match within 24 hours. Free for buyers.
Get matched → DirectoryTop modular home builders in Florida — 2026.
The ranked builder directory PERCH publishes for Florida, with product classes, code paths, and price bands.
Read the directory →Financing
Financing paths in Florida.
- Florida Housing Finance Corporation (FHFC) HFA Preferred and HFA Advantage programs offer down-payment assistance for owner-occupied primary residences and eligible ADUs.
- FHA 203(k), Fannie Mae HomeStyle, and Freddie Mac CHOICERenovation loans are the standard path for financing detached ADUs on existing Florida single-family lots.
- USDA Section 502 loans are available in Central Florida and Panhandle rural tracts outside the coastal metros.
- Fannie Mae MH Advantage and Freddie Mac CHOICEHome finance HUD-code manufactured and modular units on permanent foundations at conventional rates.
- Windstorm insurance is quoted separately from primary hazard insurance in most Florida coastal counties — factor it into total-cost-of-ownership calculations before closing.
Authoritative sources
Ready to move
Ready to buy or list in Florida?
Take the Find Yours quiz.
Answer six questions and PERCH matches you to the housing typology — modular, manufactured, tiny, ADU, or container — that fits Florida and your budget.
Start the quiz → Seller / InvestorSee what your Florida home could earn.
Run a live PERCH Yield check on your ZIP. Gross rental yield calculated from HUD FY2025 FMR against Zillow ZHVI, sourced and cited on the page.
Run Yield →