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Bill

SB 2765

Relating to the treatment of a manufactured home as real property.

89th Legislature (2025)

Texas bill proposes reclassifying manufactured homes from personal to real property, affecting taxes, financing, and ownership rights for millions of affordable housing residents.

Referred to Local Government
#housing--manufacturedhousing(i0408) #propertyinterests--realproperty(i0595)
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Bill Summary · SB 2765

Legislative bill overview

SB 2765 proposes to reclassify manufactured homes as real property rather than personal property in Texas. This change would alter how manufactured homes are legally treated, likely affecting property taxes, financing, ownership rights, and regulatory oversight. The bill is currently in the early stages of the legislative process, having just been referred to the Local Government Committee.

Why is this important

Manufactured homes represent a significant portion of affordable housing in Texas. Reclassifying them as real property could impact millions of residents by changing property tax assessments, making homes easier to finance through traditional mortgages, and potentially affecting property rights and inheritance. This also has implications for local governments' property tax bases and administrative processes.

Potential points of contention

  • Property tax implications: Reclassification could increase property taxes for current manufactured home owners, raising affordability concerns for lower-income residents
  • Financing and lending changes: Moving to real property classification may require lenders to change underwriting standards, potentially affecting accessibility for borrowers with limited credit
  • Local government revenue and administration: Counties and taxing entities would need to recalibrate assessment processes and may face administrative costs or revenue shifts

Compiled from official sources — confirm details with the bill’s official record.

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