ADU Pass
Montgomery
Montgomery County portion
Also in: No County
ADU Pass helps homeowners in Montgomery, Montgomery County, Alabama navigate the permit paperwork for building an accessory dwelling unit. This area covers 13 ZIP codes.
Map
ADU details
ADU legality: unclear
Alabama leaves ADU regulation to local municipalities under home-rule or Dillon-rule authority. Montgomery permits ADUs subject to local conditions per its zoning ordinance.
Cost scenarios
| Scenario | Sq ft | Permit | Build | Total |
|---|---|---|---|---|
| minimum | 150 | $1,200 | $28,800 | $30,000 |
| 600 | 600 | $1,200 | $115,200 | $116,400 |
| midpoint | 525 | $1,200 | $100,800 | $102,000 |
| maximum | 900 | $1,200 | $172,800 | $174,000 |
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. Montgomery 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: Montgomery Water Utility · 30d connect · $4,500
- Sewer: Montgomery Sewer / Wastewater · 30d connect · $5,500
- Electric: Montgomery Electric Utility · 21d connect · $1,800
- Gas: Montgomery 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 (2)
- flood-zone
Montgomery has FEMA Special Flood Hazard Areas; elevation certificates and flood-resistant construction required for SFHA parcels. - historic-district
Montgomery 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 Montgomery Municipal Code — Accessory Dwelling Units, adopted 2020-01-01, last amended 2024-04-01
- 2024-01-01 — City of Montgomery 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.
Montgomery County — county ADU rules and overlays
County ADU ordinance
Montgomery County (the state-capital county; ~225,000 residents; encompasses the City of Montgomery, AL state government complex, Maxwell-Gunter Air Force Base, and rural unincorporated tracts north and east toward Wetumpka) regulates land use in unincorporated areas through the Montgomery County Subdivision Regulations and zoning is administered jointly with the City of Montgomery via the Montgomery City-County Planning Commission (Code of Alabama Title 11, Chapter 52). Alabama is a Dillon's Rule state with no statewide ADU preemption — Alabama's stateAduLaw is netEffect 'no-statewide-law' — so accessory dwelling units in unincorporated Montgomery County fall under whatever the Planning Commission's joint zoning resolution permits in each district. Historically the county has not maintained an ADU-specific ordinance distinct from the city's; accessory dwellings on unincorporated parcels are typically processed as 'guest houses' or 'accessory residential structures' under the same rural / agricultural zoning categories that allow farm-help housing and accessory living quarters by right on parcels of 1+ acres.
County regulatory overlays
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
- 36101
- 36104
- 36105
- 36106
- 36107
- 36108
- 36109
- 36110
- 36111
- 36113
- 36115
- 36116
- 36117
Post Office
- 1206 Carter Hill Rd, 36106
- 135 Catoma St, 36104
- 2500 Eastern Blvd, 36123
- 2837 E South Blvd, 36116
- 2901 Mcgehee Rd, 36111
- 3100 Tine Ave, 36108
- 411 Coliseum Blvd, 36109
- 4365 S Court St, 36105
- 560 George Todd Dr, 36121