FL · City hub

Miami — 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

Miami 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 Miami.

Guide

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 → Guide

Tiny homes for sale in Miami — 2026

Current Miami-Dade inventory, price bands, and the communities that legally host tiny living in South Florida.

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Tiny homes for sale in Jacksonville — 2026

Duval County inventory, Jacksonville ancillary-dwelling-unit rules, and where financing clears.

Read → Guide

Florida backyard size benchmarks — 2026

What Florida lot sizes mean for detached ADU siting and STR conversion potential.

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Find a builder

Verified builders in Florida.

ADU match

Find a verified ADU builder in Florida.

License-verified, bond-verified, complaint-record-checked. One match within 24 hours. Free for buyers.

Get matched → Directory

Top 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.