What Palm Harbor Homes does

Palm Harbor Homes is a U.S. manufactured and modular home builder founded in 1977 and currently operating as a wholly-owned subsidiary of Cavco Industries, Inc. (NASDAQ). The company designs, manufactures, and sells factory-built homes through four regional building centers located in Plant City (Florida), Millersburg (Oregon), Austin (Texas), and Fort Worth (Texas). Its product portfolio spans single-wide, double-wide, and triple-wide manufactured homes, modular homes, and the Anthem series of HUD-approved attached duplexes and quadplexes, with named product lines including Vista Ridge, Keystone, Fiesta, American Dream, Legend, and the 400 series. Construction is performed in environmentally protected facilities where homes reach approximately 80% completion before site delivery, with a typical build cycle of as little as one week.

The company's core technology centers on systems-built construction with energy-efficient sealed duct systems, tight construction envelopes, optional EnerGmiser and ENERGY STAR green building packages, and Wind Zone 2/III structural ratings tested against hurricanes including Andrew (1992), Charley (2004), Ike (2008), Irma (2017), and Michael (2018). Each home is sold with a 12-year warranty, and the company offers exclusive options such as DuraBuilt cabinetry and hand-laid ceramic tile installation. The Anthem represents a regulatory product innovation as the first nationally-available HUD-approved attached manufactured duplex.

Palm Harbor operates a hybrid go-to-market combining company-owned superstores (model centers) in Arizona, Florida, Georgia, New Mexico, Nevada, Oklahoma, Oregon, and Texas with an independent retailer and dealer network spanning 13+ states. The primary customer segment is individual home buyers seeking affordable primary residences, vacation homes, or retirement housing, supplemented by a growing enterprise channel serving developers, REITs (notably UMH Properties), and housing associations. Revenue is generated through one-time unit sales with quote-based pricing that varies by model, size, and customization, complemented by referrals to licensed lenders for manufactured home financing and to Standard Casualty Insurance for home insurance packages, creating a vertically integrated home-purchase ecosystem.

Name

Palm Harbor Homes

Legal name

Palm Harbor Homes

Website

https://palmharbor.com

Company type

Private

Founded year

1977

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Palm Harbor Homes is a U.S. manufactured and modular home builder founded in 1977, now a subsidiary of Cavco Industries. The company designs and produces factory-built homes across four U.S. manufacturing facilities, serving individual home buyers, developers, and dealer networks spanning 13+ states.

Ownership category

akta.pro rank

Product category

Factory-Built Manufactured and Modular Homes

NAICS

Manufactured Home (Mobile Home) Manufacturing (321991), Manufactured (Mobile) Home Dealers (459930)

SIC

Mobile Homes (2451), Retail-Mobile Home Dealers (5271)

akta.pro primary industry

Residential Modular & Prefabricated Home Construction (IMAFABAF)

akta.pro secondary industry

Residential Manufactured Housing Setup & Installation (IMAFABAG)

Keywords

• Manufactured home construction
• Modular home builders
• Factory-built housing
• Mobile home manufacturing
• Affordable home solutions

Headquarters

HQ city

Addison

HQ country

United States

HQ region

North America

Offices6 records

Markets served

GTM type

B2C

Offering type

Hardware or Manufacturing

Cost components

Supply Chain, Operations, Personnel, Marketing or Sales, Infrastructure

Revenue model

1. Manufactured Home Sales: Palm Harbor builds and sells manufactured homes and modular homes through company-owned superstores and independent retailers. Homes are sold complete with 12-year warranty. Revenue is generated through one-time home purchases with pricing varying by model, size, and customization options.
2. Financing Services: Palm Harbor provides referrals to licensed lenders specializing in manufactured home, mobile home and modular home financing. While not acting as a direct lender, the company facilitates financing connections for customers.
3. Insurance Services: Standard Casualty Insurance provides complete insurance packages for new Palm Harbor homeowners through a partnership arrangement. Palm Harbor facilitates access to tailored insurance packages.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels12 records

Core offering

Palm Harbor Homes designs, manufactures, and sells factory-built manufactured and modular homes produced in four manufacturing facilities (Plant City FL, Millersburg OR, Austin TX, Fort Worth TX). Homes are sold complete with a 12-year warranty through company-owned model centers in 8 US states and an independent dealer network spanning 13+ states, complemented by referral-based financing and insurance services.

Product overview

Palm Harbor Homes is a manufactured and modular home builder founded in 1977, now operating as part of Cavco Industries. The company offers a diverse portfolio of factory-built homes including single-wide, double-wide, and triple-wide manufactured homes, as well as modular homes. Key product lines include the Vista Ridge, Keystone, Fiesta, American Dream, Legend, and 400 series across four manufacturing facilities in Plant City, Florida; Millersburg, Oregon; Austin, Texas; and Fort Worth, Texas. The company also manufactures the nationally-available HUD-approved Anthem Duplex series. Palm Harbor provides complementary services including home financing through partnered lenders, insurance through Standard Casualty, and energy-efficient green building packages. The company sells homes through company-owned superstores in Arizona, Florida, Georgia, New Mexico, Nevada, Oklahoma, Oregon, and Texas, with a 12-year warranty included with each home.

Differentiator

Problem solved

Functional benefit

Brands

• Nationwide Custom Homes: Brand name used for manufactured and modular homes
• PHN Commercial Structures

Products and services

• The Anthem Duplex First nationally-available HUD-approved attached duplex series by Cavco - Plant City, designed to combat the affordable housing crisis with duplexes and quadplexes for increased housing density. Offers virtually endless configurations.
• The Cabana MHI Design Award 2026 winning single-section manufactured home from Cavco - Millersburg, recognized for outstanding design, product quality and expanding access to modern affordable housing.
• La Belle 41764D Triple-wide manufactured home with 4 bedrooms, 3 bathrooms, 2,897 sqft, part of the Vista Ridge series, featuring wrap-around porch, entertainment room, bonus room, walk-in closets, serenity spa in master bath, home office, and kitchen pantry.
• Horizon 28764Z Double-wide modular or manufactured home with 4 bedrooms, 3 bathrooms, 2,076 sqft, part of the Keystone series, featuring large island kitchen plus pantry, 8' walk-in shower, and optional fun room convertible to a 5th bedroom.
• Vintage Farmhouse 32643C Double-wide manufactured home with 3 bedrooms, 2 bathrooms, 1,984 sqft, part of the Fiesta series, featuring arched kitchen window, built-in media center, electric fireplace, two sinks in master bath, and folding table in laundry room.
• Home Financing & Insurance Services Comprehensive home financing and insurance referral services including access to licensed lenders specializing in manufactured and modular home financing, and insurance packages through partner Standard Casualty.
• 12-Year Home Warranty 12-year warranty program included with every Palm Harbor home purchase, providing customer protection and peace of mind.
• Energy Efficient Green Building Packages Energy efficient and green building packages including ENERGY STAR programs and EnerGmiser packages for reduced environmental impact and utility savings.
• Weather Resistant Construction Hurricane-resistant construction with Wind Zone 2 and Wind Zone III capabilities up to 140+ mph, tested through multiple major hurricanes including Andrew, Charley, Ike, Irma, and Michael.

Quantifiable outcome

• 60%+ of customers referred by satisfied previous customers
• +4 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Partnerships

Five partnerships are on record, tiered core, major and strategic.

• Standard Casualty InsurancecoreStrategic or Co-development PartnerStandard Casualty provides complete peace of mind for every new Palm Harbor homeowner through a wide range of home insurance options that can be tailored to specific requirements. The partnership enables one-stop shopping for homeowners purchasing Palm Harbor homes.
• Licensed Lenders NetworkcoreStrategic or Co-development PartnerPalm Harbor provides a list of licensed lenders specializing in manufactured home, mobile home and modular home financing. These finance companies assist customers in securing the best possible financing for their new Palm Harbor homes.
• UMH Properties, Inc.majorChannel Partner/ Reseller/ DistributorUMH Properties, Inc., a real estate investment trust, offers Anthem duplex homes significantly below national averages for comparable apartments. This partnership provides competitive housing solutions leaving more dollars in residents' pockets for everyday necessities.
• VAMMHA (Virginia Manufactured and Modular Homes Association)strategicStrategic or Co-development PartnerVAMMHA partnered with Cavco Homes to push the needle forward with affordable factory-built housing solutions throughout Virginia and the nation, opening new doors for families seeking affordable, energy efficient housing solutions.
• HUD (U.S. Department of Housing and Urban Development)majorStrategic or Co-development PartnerCavco worked with HUD to ensure Anthem duplex was fully HUD-approved, manufactured attached duplex solution. HUD's Manufactured Housing Program protects individuals who own and live in manufactured homes through the HUD Code regulating construction, safety and installation.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Regional players

• Karsten Homes: Manufactured home builder serving primarily western US markets. Comparable in offering HUD-compliant manufactured homes through independent dealer networks in geographies that overlap with Palm Harbor's western footprint.
• Solitaire Homes: Regional manufactured home builder with strong presence in Oklahoma and surrounding states. Overlaps with Palm Harbor in markets where the two compete for independent dealer representation.

Others

• UMH Properties: Real estate investment trust specializing in manufactured housing communities. Comparable as a downstream buyer/partner for Palm Harbor's HUD-approved duplex product in affordable rental developments.
• MHI (Manufactured Housing Institute): Industry trade association representing US manufactured housing producers, including Palm Harbor. Comparable as the regulatory and standards-setting body whose HUD Code framework underpins Palm Harbor's product compliance.

Direct peers

• Clayton Homes: Largest US manufactured home builder, owned by Berkshire Hathaway. Directly competes with Palm Harbor across factory-built single-family homes, modular, and HUD-compliant product lines serving similar affordability-seeking customers.
• Fleetwood Homes: Cavco-owned manufactured housing brand selling factory-built homes through retail centers. Direct competitor in the same dealer channels and many of the same Sun Belt and Pacific Northwest markets as Palm Harbor.
• Skyline Champion: Public manufactured housing and modular builder formed via Skyline and Champion merger. Competes head-to-head with Palm Harbor across multi-section homes, energy-efficient construction, and independent dealer distribution.
• Champion Home Builders: Major manufacturer of factory-built homes including manufactured, modular, and park model homes. Overlaps with Palm Harbor on HUD-compliant construction, energy-efficient product positioning, and independent dealer networks across the US.

Emerging players

• Deer Valley Homebuilders: Factory-built housing manufacturer focused on the affordable housing segment with growing geographic reach. Comparable business model and customer base targeting affordable single-family buyers.

Broad incumbents

• Cavco Industries: Public parent company of Palm Harbor Homes and operator of multiple manufactured housing brands. Comparable because Cavco portfolio brands (Cavco, Fleetwood, Fairmont) directly compete with Palm Harbor in the same channel and end markets.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/palm_harbor
• YouTubeyoutube.com/user/CavcoHomes
• Facebookfacebook.com/palmharbor
• LinkedInlinkedin.com/company/palm-harbor-homes
• Instagraminstagram.com/cavcohomes
• TikToktiktok.com/@cavcohomes
• Pinterestpinterest.com/Cavco_Homes

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Palm Harbor Homes