Normally land zoned AG still accepts a modular. Zoning is the one to ask once you find a piece of land you like. But look for lots zoned AG
However, with all the foreclosures , I know of some very low priced homes out there right now. So check with a lender and see how much they can pre-approve you for and maybe you can get a house for the price of a lot and modular home! If your worried about low credit then pop me an email and I can suggest a few lenders to start with.
Liz Moore and Associates