Colorado Revised Statutes

Colo. Rev. Stat. § 38-41-201.5 (2026)

Legislative declaration of homestead exemption for mobile homes

✓ current as of July 2026

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The general assembly hereby finds and declares that, as the cost of conventional housing continues to escalate, mobile homes will become an ever larger percentage of the total housing supply, particularly for the elderly and the low-to-moderate income groups; that the purchase of a mobile home is a major investment; that most mobile homes are permanently or semipermanently located; that great improvements have been made in the quality and variety of such homes; and that mobile homes are dwellings which should be accorded a status equivalent to conventional homes. The general assembly recognizes, however, that mobile homes are more readily moved than conventional homes; that they are presently bought and sold as personal property and that there are advantages to both the industry and consumers to continue this practice; and that they presently have a dual nature in the area of taxation and tax collection; therefore mobile homes should be entitled to a homestead exemption.

Source: L. 82: Entire section added, p. 544, § 1, effective January 1, 1983.

38-41-201.6. Mobile home, manufactured home, trailer, and trailer coach homestead exemption. (1) A manufactured home as defined in section 38-29-102 (6) that includes a mobile home or manufactured home as defined in section 38-12-201.5 (5), 5-1-301 (29), or 42-1-102 (48.8), that has been purchased by an initial user or subsequent user, and for which a certificate of title or registration has been issued in accordance with section 38-29-110 or pursuant to section 38-29-108, is a homestead and is entitled to the same exemption as enumerated in section 38-41-201, except for any loans, debts, or obligations incurred prior to January 1, 1983. For purposes of this homestead exemption, the term "house" as used in section 38-41-205 is deemed to include mobile homes or manufactured homes. (2) A trailer as defined in section 42-1-102 (105), C.R.S., or a trailer coach as defined in section 42-1-102 (106), C.R.S., that has been purchased by an initial user or subsequent user and for which a certificate of title or registration has been issued pursuant to section 42-3-103, C.R.S., is a homestead and is entitled to the same exemption as enumerated in section 38-41- 201, except for any loans, debts, or obligations incurred prior to July 1, 2000. For purposes of this homestead exemption, the term "house" as used in section 38-41-205 shall be deemed to include trailers or trailer coaches.

Source: L. 82: Entire section added, p. 544, § 1, effective January 1, 1983. L. 83: Entire section amended, p. 1462, § 2, effective June 15. L. 94: Entire section amended, p. 707, § 14, effective April 19; entire section amended, p. 2567, § 85, effective January 1, 1995. L. 2000: Entire section amended, p. 717, § 4, effective May 23. L. 2001: (1) amended, p. 1279, § 53, effective June 5. L. 2020: (1) amended, (HB 20-1196), ch. 195, p. 928, § 22, effective June 30. L. 2022: Entire section amended, (SB 22-212), ch. 421, p. 2985, § 85, effective August 10.

Editor's note: Amendments to this section by SB 94-092 and SB 94-001 were harmonized.

Notes of Decisions

Cited in 5 cases, 1986–2018 · leading case: In re Romero, 533 B.R. 807 (Bankr.D. Colo. 2015).

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In re Romero, 533 B.R. 807 (Bankr.D. Colo. 2015). · cites it 6× “The last significant changes to the Colorado homestead exemption were made in 1982 through the addition of C.R.S. §§ 38-41-201.5 and 38-41-201.6 concerning mobile homes.”

Beneficial Fin. Co. of Colorado v. Schmuhl, 713 P.2d 1294 (Colo. 1986). · cites it 2× “§§ 38-41-201.5, -201.6, 16A C.R.S. (1982).”

In Re Gray, 378 B.R. 728 (Bankr. D. Mass. 2007). “710 (West 2007), Colo.Rev.Stat. § 38-41-201.5 & 201.6 (West 2007), Conn.”

Saal v. Helping People Succeed, Inc. (In Re Saal), 338 B.R. 501 (Bankr.D. Colo. 2006). · cites it 2× “§ 522 (f)(2)(A), and the legislative history thereto, the Court concludes that the judicial lien does impair the homestead exemption of this Debtor. Moreover, with the crush of filings leading up to the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 effective…”

In re Galvin, 583 B.R. 262 (Bankr.D. Colo. 2018). · cites it 2× “The expansion was accompanied by the following legislative declaration set forth in C.R.S. § 38-41-201.5 : The general assembly hereby finds and declares that, as the cost of conventional housing continues to escalate, mobile homes will become an ever larger percentage of the…”

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