Bonita

San Diego County portion

ADU Pass helps homeowners in Bonita, San Diego County, California navigate the permit paperwork for building an accessory dwelling unit. This area covers 1 ZIP code.

1 ZIP code

ADU details

ADU legality: allowed

Stateallowed (California Government Code 65852.2 / 65852.22 (statewide ADU/JADU preemption)) — California statewide framework preempts most local ADU restrictions. AB 68/881 (2019), SB 13 (2019), AB 670/3182 (HOA preemption), AB 2221/SB 897 (2022 height/size), AB 976 (2024 permanent owner-occupancy ban).
Countyallowed (San Diego County Zoning Ordinance Title 6 (ADU provisions); 2026-03-04 ADU Ordinance Amendment (AB 1033 condominium conversion, effective 2026-04-04)) — Bonita is unincorporated; San Diego County Planning & Development Services (PDS) is the permitting authority. County Title 6 zoning permits ADU + JADU per single-family parcel by right; up to 1,200 sqft detached, 4-foot side/rear setbacks. Bonita parcels carry distinctive Sweetwater Reservoir watershed overlay (drinking-water-source protections) layered on top of standard county ADU rules.
Cityallowed (Bonita has no city government; County PDS ordinance applies) — Bonita is a Census-Designated Place (CDP) - not an incorporated municipality - bounded by Chula Vista, San Diego, and National City. The Bonita-Sunnyside Community Planning Group provides advisory recommendations to the County Board of Supervisors but has no permitting authority. ADU permitting follows the county standard for unincorporated parcels.

California state preemption + County of San Diego ordinance govern Bonita ADUs. Bonita-Sunnyside CPG advisory only. Bonita's unique constraint vs other unincorporated SD County communities is the Sweetwater Reservoir watershed - parcels in the watershed face stormwater / on-site-disposal restrictions to protect Sweetwater Authority's drinking water source. The Lower Sweetwater Valley equestrian carryover preserves agricultural-density character on many SR-zoned parcels.

Cost scenarios

ScenarioSq ft PermitBuildTotal
minimum 150 $1,700 $73,500 $75,200
600 600 $1,764 $294,000 $295,764
midpoint 675 $1,788 $330,750 $332,538
1000 1,000 $9,896 $490,000 $499,896
maximum 1,200 $11,962 $588,000 $599,962
Fee breakdown (as of 2026-04)
Plan review$1,763
Building permit$950
Utility connection$3,050
Total$6,363

Permitting process

Typical duration108 days
Backlog30 days
  1. Pre-application + parcel zoning lookup (~7d)
    Verify parcel zone (typically SR-0.5, SR-1, SR-2 in Bonita) via County Z-maps; check Sweetwater Reservoir watershed overlay (most Bonita parcels are within), equestrian-overlay zoning, and FEMA SFHA along Sweetwater River corridor.
  2. Plan submittal via Accela Citizen Access (~5d)
    Submit ADU Building Permit application through publicservices.sandiegocounty.gov (Accela). PDS digital intake standard for Bonita.
  3. PDS combined plan check + Sweetwater watershed BMP review (~45d)
    First-cycle PDS Planning, Building, Grading review. Sweetwater watershed parcels require stormwater BMP (Best Management Practice) plan submittal under County NPDES permit. Bonita-Sunnyside FPD parallel review for fire flow / access.
  4. Sweetwater Authority capacity-fee + service application (~21d)
    Owner submits separate Sweetwater Authority Engineering application; capacity fee assessed proportional to ADU fixture units (typical $3,050 per ADU EDU at 56% rate). Connection sizing review.
  5. Corrections cycle 1 (~28d)
    Applicant resubmits to address PDS plan-check + watershed-BMP comments. Septic perc test required for parcels not on sewer.
  6. Plan check cycle 2 (~18d)
    Second review confirms compliance. ~2 cycles typical for clean Bonita submittal.
  7. Permit issuance + fee payment (~5d)
    Pay PDS permit fees, proportional impact fees (if >750 sqft), Bonita-Sunnyside FPD review fee, Sweetwater Authority capacity fee. Permit downloadable from Accela.
  8. Construction inspections
    Foundation, framing, MEP rough-in, insulation, BMP/erosion-control verification, final. Sweetwater Authority service inspection on connection.

Viability (permitted uses)

  • Long-term rental: yes (California Gov. Code 65852.2(a)(7) and 2024 owner-occupancy preemption (AB 976))
    • Subject to AB 1482 statewide rent cap (5% + CPI, max 10%) where applicable
  • Short-term rental: with-restrictions (San Diego County Code Title 2 Division 1 Chapter 6 (Short-Term Residential Occupancy ordinance))
    • County STR registration required for Bonita parcels
    • TOT collection responsibility on operator
    • Bonita-Sunnyside FPD verification expected
    • Equestrian-zone HOAs may add covenant constraints (e.g., Bonita Country Day Estates) that interact with state HOA preemption
  • Office rental: no (County Title 6 - ADU defined as residential occupancy) ADU is residential by definition; commercial/office tenant rental violates the use restriction.
  • Home office: with-restrictions (County Code home-occupation provisions)
    • Home-occupation permit required for client visits
    • No outside employees
    • Signage strictly limited
  • Studio / workshop: yes Personal artist/maker studio is acceptable accessory residential use.
  • Agriculture: yes Bonita's distinctive equestrian-density carryover: SR-0.5 / SR-1 / SR-2 parcels permit horse-keeping (typically 2 horses/acre on properly-fenced parcels) and limited animal husbandry. ADU coexists with these rights but cannot itself be used for ag production. Bonita's stables and trail network are protected by community plan provisions.
  • Relative support: yes (California Gov. Code 65852.22 (JADU) + Rev. & Tax. Code 74.3 New Construction Exclusion) Multigenerational ADU explicitly permitted; Rev. & Tax. Code 74.3 exclusion potentially valuable in Bonita given high underlying property values and longstanding Prop 13 bases.

Incentives

Pre-approved plans San Diego County Pre-Approved Dwelling Unit Plans · 8 free designs · 25% plan-review fee waiver · saves ~4 weeks

Contacts

DepartmentSan Diego County Planning & Development Services (PDS) - Bonita permits handled by unincorporated permit counter

Staff: PDS Zoning Counter (ADU Application Intake) PDSZoningPermitCounter@sdcounty.ca.gov, Bonita-Sunnyside Fire Protection District (FPD review) (Plan-check + fire-flow review), Sweetwater Authority Engineering (ADU water-service capacity application)

Utilities

  • Water: Sweetwater Authority (joint powers agency: City of National City + South Bay Irrigation District) · 30d connect · $3,050
    Sweetwater Authority serves Bonita with treated drinking water from Sweetwater Reservoir + Loveland Reservoir + supplemental imports. ADU capacity fee: $5,490/EDU base x 56% (ADU with fire) = $3,050 per ADU. Confirmed from Sweetwater Authority Development FAQs (2026).
  • Sewer: City of Chula Vista wastewater (contract service for most Bonita) or on-site septic via County DEHQ · 45d connect · $4,500
    Bonita parcels are split: closer-in parcels typically use Chula Vista sewer via inter-jurisdictional service; more rural parcels (especially in Sweetwater watershed) on septic. Septic siting tightly constrained by watershed setbacks - DEHQ percolation test mandatory. Many Bonita septic upgrades trigger advanced-treatment unit requirements.
  • Electric: San Diego Gas & Electric (SDG&E) · 60d connect · $4,500
    SDG&E serves all of Bonita. Separate meter optional for ADU.
  • Gas: SDG&E (natural gas standard in Bonita) · 30d connect · $2,500
    Natural gas is the dominant fuel in Bonita; rural-edge parcels occasionally use propane.

Property values & taxes

Median value$1,042,540
Median tax$11,470/yr
Effective rate1.1%

Market rent by ADU size

Sq ftRent
400$1,900/mo
600$2,400/mo
800$2,800/mo
1,000$3,150/mo
1,200$3,450/mo

Construction timeline

Detached build24 weeks
Conversion12 weeks
Contractor lead5 months

Realistic total: best 9mo · typical 12mo · worst 18mo

Bonita has access to the deep Chula Vista / National City / South Bay GC bench - shorter lead times than rural East County. No WUI premium. Septic install (when needed) and watershed BMP install add 4-6 weeks where applicable.

Modular pathway inspectors are occasional with modular

Financing

Typical HELOC8.5%
Cash-out refi avg7.1%
Fannie Mae ADUeligible

State ADU loans:

Insurance impact

Annual premium delta$540
Landlord policyrecommended
Umbrella threshold$1M umbrella standard; $2M for STR or large STR portfolio

Bonita premiums close to coastal SD County baseline - no Cleveland NF WUI surcharge for most parcels. Eastern parcels in CAL FIRE SRA see modest WUI premium. Sweetwater River SFHA parcels need flood policy ($600-1,500/yr typical NFIP).

HOA prevalence & preemption

% parcels under HOA28%
State HOA preemptionyes
Preemption citationCalifornia AB 670 (2019) + AB 3182 (2020), Civil Code 4740/4741 (Davis-Stirling)

Bonita HOA prevalence concentrated in Bonita Country Day Estates, Country Vistas, Bonita Long Canyon, Sunnyside Saddle Club, and several newer Eastlake-adjacent subdivisions. Equestrian HOAs commonly carry covenants for animal-keeping standards; AB 670/AB 3182 voids any ADU prohibitions but design / setback / aesthetic standards from HOAs remain enforceable.

Regulatory overlays (3)

  • wetland-overlay — Sweetwater Reservoir watershed - drinking-water-source protections for stormwater + on-site disposal. Most Bonita parcels are within the watershed boundary. · +14d · +4% cost
    Sweetwater Reservoir is the drinking-water source for Sweetwater Authority customers (Bonita / Chula Vista / National City). County NPDES permit requires BMP (stormwater Best Management Practice) review and stricter septic siting setbacks for parcels in the watershed. Adds modest plan-check time and some construction cost for permanent BMPs (bio-retention, infiltration trenches). (map)
  • flood-zone — FEMA SFHA Zone AE along Sweetwater River corridor - lower Bonita Road, Willow Street to Otay Lakes Road tributary · +21d · +6% cost
    Elevation certificate required for SFHA parcels; ADU finished floor must be 1 foot above base flood elevation. Affects modest fraction of Bonita parcels closest to the river. (map)
  • wui-fire-zone — Eastern Bonita parcels approaching San Miguel Mountain / Sweetwater Reservoir uplands designated CAL FIRE State Responsibility Area / Local Responsibility Area (LRA-VHFHSZ). · +14d · +6% cost
    Smaller Bonita footprint than e.g., Alpine - applies primarily to eastern/upland parcels. Triggers Chapter 7A WUI construction (ignition-resistant materials, dual-pane windows, 1/8-inch vent screens, Class A roofing) and 100-foot defensible space. (map)
Technical envelope (climate & building code)

Climate & energy code

IECC climate zone3B
Heating degree days1,280
Cooling degree days1,450
Design low / high41°F / 88°F
Wind design speed92 mph
Seismic design cat.D2
Annual rainfall12"
Wildfire exposuremoderate
Energy codeTitle 24 Part 6
Version / adopted2025 / 2026-01
Solar requiredyes
EV-ready requiredyes

Building code

Base codeCRC
Version year2,025
Adopted2026-01
Fire sprinkleruniversal
Egress window5.7 sqft min
Min ceiling7 ft
Attic R-valueR-38 min
Wall R-valueR-21 min

Amendments:

  • Amendment
  • Amendment
  • Amendment
  • Amendment

Contractor market (aggregate)

Licensed residential GCs2,400
ADU-specialist GCs95
Median GC size (employees)4
Unionized share0.2%
Laborer median wage$29/hr
Typical GC markup18%

Known issues (2)

  • policy-review (since 2026-03) — Board of Supervisors directed PDS to return within 120 days (2026-07-02) with additional parameters governing the AB 1033 condominium-conversion track. Bonita's high resale per sqft makes this the materially most-impactful pending policy for ADU economics. (source)
  • other (since 2024-01) — Bonita ADU permits incur a $3,050 Sweetwater Authority capacity fee that Alpine / East County analogues do not. Material upfront cost relative to typical $1,700 PDS plan-check fee. Confirmed from Sweetwater Authority Capacity Fee schedule. (source)
San Diego County — county ADU rules and overlays

County ADU ordinance

San Diego County regulates ADUs on parcels in the unincorporated county under Title 6 of the County Code (Zoning Ordinance), Sections 6156.x. The county's ADU framework layers on top of California Government Code sections 65852.2 (ADU) and 65852.22 (JADU), which preempt many local standards statewide; the county ordinance fills in the locally-controlled parameters (setbacks, design standards, parking in non-transit unincorporated areas, fire-safe design in VHFHSZ) that state law leaves to local choice. The current ordinance reflects amendments adopted 2020 (Ord. No. 10693) and 2023 (Ord. No. 10749) to conform with AB 68 / AB 881 (2019), AB 976 (2019 owner-occupancy elimination through 2024), SB 13 (2019 fee reductions), AB 2221 / SB 897 (2022 design/permit clarifications), and AB 1033 (2023 condo-ADU optional program; San Diego County has not opted into AB 1033 condo separation as of 2026-04-20). The county permits up to one ADU plus one JADU per single-family parcel by right, and the state-mandated two ADUs per multifamily lot; parking is not required on ADUs within 1/2 mile of transit. The county's distinct contributions on top of state law are the fire-hardening / defensible-space design standards for ADUs sited in Very High Fire Hazard Severity Zones, the airport-noise compatibility review for ADUs within Airport Land Use Compatibility Plan (ALUCP) zones, and the Coastal Development Permit (CDP) requirement for ADUs in the county's certified Local Coastal Program (LCP) jurisdiction.

State-floor overlay: California state law (Gov. Code 65852.2, 65852.22) preempts most local ADU regulation. The state sets ministerial-approval requirements, caps fees, mandates 60-day permit review, forbids local owner-occupancy requirements through 2024 (extended effectively through AB 976 / subsequent amendments), sets minimum allowed sizes (850 sqft one-bedroom, 1000 sqft two-bedroom), forbids parking requirements within 1/2 mile of transit or on replacement-covered-parking ADUs, and caps impact fees at zero for ADUs under 750 sqft. San Diego County's ordinance reiterates and applies these floors, adding only the locally-controlled fire, airport, and coastal overlays. Where a project is in a VHFHSZ or coastal-commission jurisdiction, state ADU preemption still applies to the ADU allowance itself but does not preempt the county's separate fire and coastal authority over site-design standards.

County regulatory overlays

San Diego County administers or co-administers several overlay regimes that materially affect ADU siting on unincorporated parcels: (1) the California Coastal Commission's jurisdiction along the coastal zone (a narrow band up to 5 miles inland in some places), implemented through the county's certified Local Coastal Program (LCP) covering unincorporated coastal segments; (2) Very High Fire Hazard Severity Zones (VHFHSZ) designated by CAL FIRE and reviewed by the State Board of Forestry, which cover very large portions of the unincorporated back-country and drive defensible-space, ignition-resistant-construction, and access requirements; (3) FEMA Special Flood Hazard Areas (SFHA) along the San Diego River, San Dieguito River, San Luis Rey River, Otay River, Sweetwater River, Tijuana River, and associated coastal zones; and (4) Airport Land Use Compatibility Plans (ALUCP) administered by the San Diego County Regional Airport Authority's Airport Land Use Commission around MCAS Miramar (federal military), NAS North Island / Naval Outlying Landing Field Imperial Beach (federal military), Gillespie Field (Santee, county-owned), McClellan-Palomar (Carlsbad, county-owned), Brown Field (Otay Mesa, City of San Diego), Montgomery-Gibbs Executive (Kearny Mesa, City of San Diego), Ramona Airport (county-owned), Fallbrook Community Airpark (county-owned), Oceanside Municipal, and Jacumba Airport. Seismic-retrofit overlays are not a county-administered regime in San Diego (unlike parts of Los Angeles / San Francisco); California seismic building-code compliance applies statewide through the California Building Code adopted by the county.

  • California Coastal Commission / County Local Coastal Program (LCP) — The county's LCP covers the unincorporated coastal segments near Del Mar Mesa, Torrey Pines extensions, Crest / Harmony Grove (tributary areas), and the Camp Pendleton / Oceanside boundary. An ADU within the coastal zone requires a Coastal Development Permit (CDP) unless categorically excluded; most single detached ADUs qualify for an Administrative CDP (noticed but ministerial-like) while those in sensitive-biological or visually-sensitive settings may require a heard CDP. The Coastal Commission retains appeal jurisdiction over county CDPs within the defined appeals area. State law (Gov. Code 65852.2(j)) preserves the CDP requirement for ADUs in the coastal zone notwithstanding the otherwise-ministerial state ADU framework.
  • CAL FIRE / State Board of Forestry Very High Fire Hazard Severity Zones (VHFHSZ) and County Fire Code — Very large portions of unincorporated San Diego County — most of the East County back-country including Julian, Warner Springs, Descanso, Pine Valley, Jacumba, Campo, Boulevard, Dulzura, Potrero, Palomar Mountain, Cuyamaca, and the San Diego / Cleveland National Forest interface — are designated VHFHSZ in either the State Responsibility Area (SRA) or the county's Local Responsibility Area (LRA). An ADU in a VHFHSZ must comply with California Building Code Chapter 7A (WUI-rated exterior materials: ignition-resistant siding, dual-pane windows, 1/8-inch-max vent screens, Class A roofing, non-combustible eaves / soffits / decks), minimum 100-foot defensible-space per Pub. Res. Code 4291, minimum driveway width and turnaround per fire-district standards, and minimum fire-flow water supply (2,500 gpm residential standard, reduced for sprinklered ADUs per Sec. R313). CAL FIRE or the local FPD (Alpine, Bonita-Sunnyside, Deer Springs, Julian-Cuyamaca, Lakeside, North County, Pine Valley, Rancho Santa Fe, Rural FPD of San Diego County, Valley Center, etc.) reviews the ADU permit. The 2025 wildfire season reinforced these requirements; no county-wide moratorium has been imposed, but permit backlogs lengthen post-fire when affected areas surge rebuild applications.
  • FEMA Special Flood Hazard Areas (SFHA) — National Flood Insurance Program — The county administers FEMA NFIP floodplain regulations for unincorporated parcels. Principal SFHA extents are along the San Luis Rey River (Bonsall, Pala, Pauma), San Dieguito River (Lakeside, Ramona uplands), San Diego River (Lakeside, Santee extensions), Sweetwater River (Spring Valley extensions), Otay River (Jamul, Dulzura, Otay Mesa extensions), and Tijuana River estuary (Tijuana / Imperial Beach extensions). ADUs in an SFHA require lowest-floor elevation to or above Base Flood Elevation plus 1 ft county freeboard, flood vents on enclosures below BFE, anchoring, and a post-construction Elevation Certificate. 2024-2025 saw several FEMA FIRM revision studies for Otay, San Luis Rey, and Sweetwater watersheds; owners should confirm current effective panel before design.
  • Airport Land Use Compatibility Plans (ALUCP) — San Diego Regional Airport Authority ALUC — The San Diego County Regional Airport Authority serves as the ALUC for all airports in the county. ALUCP airport influence areas (AIAs) extend roughly 2-5 miles beyond each airport depending on runway configuration and establish safety zones (Zones 1-6) and noise contours (60/65/70 dB CNEL). Principal ALUCP overlays affecting unincorporated parcels are MCAS Miramar (extensive AIA covering Scripps Ranch fringes, Miramar Ranch North, Tierrasanta approaches, into unincorporated Rancho Santa Fe / Poway fringes), Gillespie Field (AIA extending into unincorporated Lakeside, El Cajon fringes, Bostonia), McClellan-Palomar (Carlsbad-adjacent unincorporated areas), Ramona Airport (large rural AIA), and Fallbrook Community Airpark (Bonsall / Fallbrook). An ADU in a safety zone may face density restrictions, CC&R / avigation-easement recording requirements, and noise-attenuation construction standards (STC-rated windows, forced-air HVAC with acoustic treatment). The ALUC reviews county-referred projects; in a safety-zone conflict the county may override only by a super-majority Board vote per PUC 21676.
  • San Diego County Biological Mitigation Ordinance / Multiple Species Conservation Program (MSCP) — The county's MSCP covers south county unincorporated areas and establishes Pre-Approved Mitigation Areas and a Biological Mitigation Ordinance that triggers biological review for grading and construction in designated preserve-land overlays. An ADU outside the existing dwelling footprint that requires grading in a designated MSCP preserve or Biological Resource Core / Linkage area will trigger a biological review / mitigation obligation on top of the ministerial ADU permit. Inside a parcel's previously-disturbed building envelope the MSCP typically does not add requirements. The East County MSCP Subarea Plan remains pending final approval as of 2026-04-20.

County permitting (unincorporated parcels)

The County of San Diego Planning & Development Services (PDS) department is the single-point-of-contact for ADU permits on parcels in the unincorporated county. Unincorporated San Diego County covers approximately 3,570 square miles (about 79% of the county's 4,526 sqmi land area) and includes densely developed fringe areas (Ramona, Alpine, Lakeside, Spring Valley, Fallbrook, Valley Center), rural back-country (Julian, Warner Springs, Jacumba, Boulevard, Campo), and tribal lands (which are not county-permitted). The 18 incorporated cities (San Diego, Chula Vista, Oceanside, Escondido, Carlsbad, Vista, San Marcos, El Cajon, Santee, La Mesa, Encinitas, National City, Poway, Coronado, Imperial Beach, Lemon Grove, Del Mar, Solana Beach) permit their own ADUs independently. PDS combines planning / zoning review, building plan review, grading / drainage review, fire-district referral (most unincorporated areas are served by CAL FIRE / County Fire Authority or a local Fire Protection District rather than a city fire department), and environmental review (CEQA applicability is normally exempt for ministerial ADUs per Gov. Code 65852.2(f) and Pub. Res. Code 21080(b)(8)).

DepartmentSan Diego County Planning & Development Services (PDS)
Address5510 Overland Avenue, Suite 110 & 310, San Diego, CA 92123
Phone858-565-5981
California state — ADU law and programs

State ADU law

California has the most aggressive statewide ADU preemption regime in the US, built from ~15 bills passed 2019-2025 and enforced by the Department of Housing and Community Development (HCD). The 2026 HCD ADU Handbook addendum (in effect with the 2025 Title 24 code cycle) is the operative state-level reference. The regime does four things at once: (1) preempts local zoning that would ban or unreasonably restrict ADUs; (2) imposes by-right ministerial approval with short statutory deadlines; (3) caps fees and utility-connection charges; and (4) empowers HCD to void non-compliant local ordinances.

State HOA preemption

California has the strongest statewide HOA-preemption regime in the US for accessory dwelling units, built from two bills: AB 670 (2019) voided ADU-prohibiting covenants on single-family residential lots, and AB 3182 (2020) extended and codified the preemption into the Davis-Stirling Common Interest Development Act (Civil Code §§ 4740 / 4741). The combination prohibits common-interest communities from banning ADUs, restricting rentals below 25% of separate interests, or treating ADUs as separate HOA interests. Limits remain: HOAs retain authority over reasonable design standards and statutory height limits, and the 2026 Carlsbad case (CalMatters coverage) established that an HOA's documented design-standards regime can effectively delay or constrain ADU approval short of outright prohibition.

State financing programs

California's flagship state-level ADU financing program — the CalHFA ADU Grant Program — is paused and has not been refunded since the original $100 million allocation was fully deployed 2023-12-28. The program provided up to $40,000 per qualifying homeowner for pre-construction and non-recurring closing costs and financed approximately 2,500 ADUs in two rounds. As of 2026-04, no new funding round has been announced in the state budget. CalHFA continues to publish anti-scam warnings because bad actors actively solicit homeowners claiming access to grant funds that no longer exist. State-level financing activity has shifted to local pilot programs (San Francisco, San Jose, Los Angeles, San Diego) and private financing products (Fannie Mae ADU mortgage, HELOC, construction-to-permanent).

State housing programs

California's state-level ADU programs are concentrated at HCD (technical guidance, ordinance review, enforcement) and the paused CalHFA grant pipeline (covered under stateFinancing). The state does not operate a central pre-approved ADU plan library — instead, AB 1332 (2024) created a preemption framework for local pre-approved plans with a 30-day ministerial-approval deadline, and major cities (Los Angeles, San Diego, San Jose, Sacramento, Berkeley) have rolled out their own plan catalogs. The California YIMBY coalition and other housing-policy organizations play an influential role in bill drafting; they are not state agencies but effectively drive much of the ADU legislative agenda. The Title 24 code cycle (now 2025, in effect for 2026 permits) is the authoritative building-code baseline.

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 Code

  • 91902

Post Office

  • 5073 Central Ave, 91902