ADU Pass
Mobile
Mobile County portion
Also in: No County
ADU Pass helps homeowners in Mobile, Mobile County, Alabama navigate the permit paperwork for building an accessory dwelling unit. This area covers 20 ZIP codes.
Map
ADU details
ADU legality: unclear
Alabama leaves ADU regulation to local municipalities under home-rule or Dillon-rule authority. Mobile permits ADUs subject to local conditions per its zoning ordinance.
Cost scenarios
| Scenario | Sq ft | Permit | Build | Total |
|---|---|---|---|---|
| minimum | 150 | $1,200 | $29,700 | $30,900 |
| 600 | 600 | $1,200 | $118,800 | $120,000 |
| midpoint | 525 | $1,200 | $103,950 | $105,150 |
| maximum | 900 | $1,200 | $178,200 | $179,400 |
Fee breakdown
Viability (permitted uses)
- Long-term rental: yes Long-term rental of ADU generally permitted; landlord-tenant law and any city rental-registration ordinance apply.
- Short-term rental: with-restrictions STR rules vary by city. Mobile regulates STRs separately from ADU permitting; check local STR ordinance and HOA covenants.
- Office rental: with-restrictions Detached office rental requires home occupation permit or rezoning.
- Home office: yes Home occupation permitted with restrictions on signage and customer traffic.
- Studio / workshop: yes Personal artist studio is a permitted accessory use.
- Agriculture: with-restrictions Limited urban agriculture permitted in residential zones; livestock varies by district.
- Relative support: yes Family-occupancy ADU explicitly permitted in single-family zones.
Utilities
- Water: Mobile Water Utility · 30d connect · $4,500
- Sewer: Mobile Sewer / Wastewater · 30d connect · $5,500
- Electric: Mobile Electric Utility · 21d connect · $1,800
- Gas: Mobile Gas Utility · 30d connect · $1,500
Property values & taxes
Construction timeline
Realistic total: best 7mo · typical 10mo · worst 16mo
Financing
State ADU loans:
Insurance impact
HOA prevalence & preemption
Alabama has no HOA-ADU preemption; HOA covenants restricting ADUs are enforceable.
Regulatory overlays (3)
- coastal-zone
Mobile has coastal-zone overlay; coastal development permit may be required for some sites. - flood-zone
Mobile has FEMA Special Flood Hazard Areas; elevation certificates and flood-resistant construction required for SFHA parcels. - historic-district
Mobile historic districts trigger Architectural Review Board / Historic Preservation Commission review for ADUs in historic boundaries.
Technical envelope (climate & building code)
Climate & energy code
Building code
Amendments:
- Amendment
- Amendment
Legal history (timeline)
Current ordinance: City of Mobile Municipal Code — Accessory Dwelling Units, adopted 2020-01-01, last amended 2024-04-01
- 2024-01-01 — City of Mobile ADU code refresh (city-ordinance)
Conforming local-code amendments aligning with current Alabama accessory-dwelling framework.
Effect: Codified permissive ADU standards consistent with state law and local zoning.
Mobile County — county ADU rules and overlays
County ADU ordinance
Alabama state — ADU law and programs
State financing programs
Alabama operates no ADU-specific statewide loan, grant, or forgivable-loan program. The Alabama Housing Finance Authority (AHFA) is the state's housing finance agency and administers first-time-homebuyer mortgages, down-payment assistance, mortgage credit certificates, and Low-Income Housing Tax Credit allocation, but none of its programs target ADU construction directly. The Alabama Department of Economic and Community Affairs (ADECA) administers the federal HOME Investment Partnerships Program; HOME funds can in principle support ADU construction by income-qualified households when paired with a participating local jurisdiction, but Alabama has no state-level ADU set-aside.
Federal (United States) — ADU-relevant rules and programs
Federal ADU law
The United States has no federal statute that directly regulates accessory dwelling unit entitlement or design. Land-use authority over ADUs resides with states and local governments under the traditional police power. Federal engagement is limited to financing (Fannie/Freddie/FHA/VA/USDA), flood insurance (FEMA/NFIP), and discretionary housing programs (HUD), which are recorded in sibling sections of this file.
Federal financing programs
Federal housing-finance agencies and GSEs set nationwide underwriting rules that govern whether an ADU can be financed, appraised, and counted toward mortgage qualifying income. The relevant actors are Fannie Mae, Freddie Mac, FHA (HUD), VA, and USDA Rural Development.
Federal tax credits
There is no ADU-specific federal tax credit. ADUs may incidentally qualify for existing federal energy-efficiency and clean-energy tax credits when the ADU construction includes qualifying measures.
Federal housing programs
HUD administers several discretionary programs that can fund ADU-related activity at the grantee's election, but none is an ADU-specific program.
ZIP Codes
- 36602
- 36603
- 36604
- 36605
- 36606
- 36607
- 36608
- 36609
- 36610
- 36611
- 36612
- 36613
- 36615
- 36617
- 36618
- 36619
- 36652
- 36663
- 36693
- 36695
Post Office
- 130 E Prichard Ave, 36610
- 2000 Rosedale Rd, 36605
- 250 Saint Joseph St, 36601
- 415 Dauphin Island Pkwy, 36606
- 5441 Highway 90 W Ste 13, 36619
- 5551 Old Shell Rd, 36608
- 5701m Moffett Rd, 36618
- 705 Oak Circle Dr W, 36609
- 8400 Airport Blvd, 36608
- 907 Spring Hill Ave, 36604