Oregon Manufactured Housing News: Rent Caps, Sale Rules, and Loan Costs
October 29, 2026
Four sets of rules shape what it costs to live in, sell, and buy a manufactured home in an Oregon park right now. Here is each one, verified against the statute and the agency figures, in plain language.
1. Park rent caps for 2026
Under Oregon HB 3054 (2025), which amended ORS 90.324 and ORS 90.600, a park or marina with more than 30 spaces may raise rent by no more than 6% per year. A facility with 30 or fewer spaces is capped at the lesser of 10% or 7% plus the Consumer Price Index, which works out to 9.5% for 2026. For comparison, the general residential cap for 2026 is also 9.5% under ORS 90.323. The same figures apply in Portland and every other Oregon city, because state law bars separate local rent caps.
Three more rules come with the caps. A park may raise rent only once in any 12-month period, and it must give 90 days of written notice. There is one infrastructure exception for parks with more than 30 spaces: rent may rise up to 12% once every 5 years for an infrastructure project, but only with a written yes vote from 51% of occupied spaces, and the amount above 6% must be refunded if the project is not substantially complete within 12 months of its estimated completion date. Spaces with a first certificate of occupancy less than 15 years old, and government-regulated affordable housing where the tenant share of rent does not rise, are exempt from the caps. A landlord who raises rent above the cap owes the tenant 3 months of rent plus actual damages.
2. A park cannot force cosmetic upgrades before your sale
HB 3054 also amended ORS 90.680, the statute that governs sales of homes on rented spaces. A landlord may no longer require a seller to make cosmetic or aesthetic improvements to the exterior of a home before a sale. The landlord may still require exterior maintenance — fixing disrepair is not the same as a remodel — but a forced upgrade to make a home look newer is no longer a lawful condition.
Two more protections come from the same statute. A landlord may not require an interior inspection of the home as a condition of approving a sale. And a landlord may not reject a buyer, or require the home to be removed from the space, because of the age, size, style, or original construction material of the home, or because it was built before the federal construction standards act of 1974.
3. A park cannot force portal-only rent payment
Under Oregon SB 1523, in effect since June 5, 2026, a landlord may not require a tenant to pay rent only through a tenant portal or another electronic method. The landlord must accept a check or another commercially reasonable payment method. If a landlord uses a portal for applications or tenancy documents, it must provide an alternative method when a tenant or applicant makes a written request. A landlord may not charge a late fee or move to end a tenancy for nonpayment when it refused a valid non-electronic payment. Portal processing fees may be passed through to a tenant only when the payment processor allows it, a non-electronic option is offered, and fee records are available on request. Where common areas are opened by an app, a non-electronic way in — a key, fob, or code — must also be offered.
4. Loans for a home on leased land cost more, and pre-1976 homes are cash territory
A home that sits on leased park land is personal property, not real estate, so buyers usually finance it with a chattel loan rather than a real estate mortgage. The Consumer Financial Protection Bureau, analyzing 2019 lending data in its 2021 manufactured housing finance report, found a median chattel rate of 8.6%, compared with 4.9% for manufactured-home mortgages and 4.1% for site-built home loans in the same data. Those are historical medians, not a current quote for any one buyer. Chattel terms also run shorter than a 30-year mortgage, often 20 years or less.
Age draws a hard line. Federal HUD construction and safety standards took effect on June 15, 1976. Every home built on or after that date carries a red HUD certification label on each section. Homes built before that date have no label, HUD will not issue one after the fact, and FHA does not insure mortgages on them. Buyers of a pre-1976 home therefore largely pay cash or use an alternative personal loan product.
What this means if you are selling
Rent caps protect your buyer after the sale. The sale protections protect your sale itself: no forced cosmetic remodel, no demanded interior inspection, and no rejection of your buyer over the age of the home. The loan rules explain why pricing and buyer financing matter so much for a park home — a buyer who needs a chattel loan faces a higher rate and a shorter term than a buyer with a land mortgage.
If you are ready to sell, our flat $99 MLS listing puts your park home in front of buyers statewide. List my home for $99.
Sources: Oregon Department of Administrative Services 2026 rent stabilization figures; Oregon HB 3054 (2025), ORS 90.324, ORS 90.600, and ORS 90.680; Oregon SB 1523 (2026); Consumer Financial Protection Bureau, Manufactured Housing Finance: New Insights from the Home Mortgage Disclosure Act Data (2021); U.S. Department of Housing and Urban Development, Manufactured Home Construction and Safety Standards, effective June 15, 1976. This article is general information, not legal advice.