国会透过《Housing for the 21st Century Act》朝供给端路线推进；在 2025 年参议院银行委员会一致通过类似法案后，众议院以 390-9 通过该法案。核心条款之一是取消 1970s 时代对预制屋必须包含永久底盘的要求，并要求在融资、销售、安装与产权上，与现场建造住宅获得同等待遇。法案亦赋予 HUD 对预制屋建造与安全标准的主要管辖权，包括对无底盘单元的修订标准，同时要求各州认证其同等待遇。
可负担性的算术是最有力的证据：一套新预制屋平均约 $122000，约比传统住宅便宜 4:1；在 30-year 房贷、首付 20% 的条件下，月供略高于 $600，而现场建造住宅约为 $2000。买方压力已恶化，年轻已婚首次购屋者的平均首付达到家庭年收入的 70%，高于 2019 年的 58% 与 2000 年的 45%。文章的主要但书是立法完成风险：实质影响取决于众参两院协调与后续落实，但来自预制屋企业与传统建商的两党支持，显示出不寻常的广泛动能。
The US housing affordability crisis is framed as a supply shortfall, with estimates ranging from 3000000 homes (National Association of Realtors) to 8000000 (McKinsey), while policy has often targeted demand instead of construction. The article argues that demand-side actions such as government-backed mortgage-security purchases can lower rates but intensify bidding, and this dynamic has coincided with national home prices rising more than 50% versus pre-pandemic levels (Case-Shiller index).
Congress moved toward a supply-side approach through the Housing for the 21st Century Act, which passed the House 390-9 after a similar bill passed the Senate Banking Committee unanimously in 2025. A central provision removes the 1970s-era requirement that manufactured homes include a permanent chassis, and it requires parity treatment with site-built homes across financing, sale, installation, and title. The bill also gives HUD primary authority over manufactured-home construction and safety standards, including revised standards for chassis-free units, while requiring state certification of equal treatment.
The affordability arithmetic is the strongest evidence: a new manufactured home averages about $122000, roughly 4:1 cheaper than a traditional home, and under a 30-year mortgage with 20% down, monthly payments are a little above $600 versus about $2000 for site-built homes. Buyer strain has worsened, with average down payments for young married first-time buyers at 70% of annual household income, up from 58% in 2019 and 45% in 2000. The article’s main caveat is legislative completion risk: meaningful impact depends on House-Senate reconciliation and implementation, but bipartisan backing from both manufactured-home firms and traditional builders suggests unusually broad momentum.