Campo

ADU Pass helps homeowners in Campo, 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 and JADU preemption) — Campo is an unincorporated census-designated place (~2,684 residents) in the Mountain Empire subregion at the southern terminus of the Pacific Crest Trail. State ADU preemption applies on County-jurisdiction parcels.
Countyallowed (San Diego County Code Title 6 (Zoning Ordinance) — ADU/JADU provisions; 2020 Ord. 10693 + 2023 Ord. 10749 conformance amendments; March 2026 condo-conversion adoption) — County PDS governs Campo CDP fee parcels (non-tribal). The Campo Indian Reservation is a separate sovereign jurisdiction within / adjacent to the CDP and is NOT subject to County PDS — tribal parcels are governed by the Campo Band of the Kumeyaay Nation's Executive Committee under federal trust law and tribal building codes.
Cityallowed (Mountain Empire Subregional Plan — Campo / Lake Morena community section (San Diego County General Plan)) — Campo is unincorporated — there is no City of Campo and no city-level ADU ordinance. The Campo / Lake Morena Planning Group is the recognized advisory body to County PDS for non-tribal Campo parcels.

On County (non-tribal) parcels, allowed by-right ministerial under state law via County PDS. On Campo Indian Reservation parcels (tribal trust land), County jurisdiction does not apply — projects there go through the Campo Band's tribal planning department under the tribal building code and federal HUD/BIA processes; tribal members may build under their own tribal authorization. The standing fire / water / septic / WUI overlays apply to County-jurisdiction parcels only.

Cost scenarios

ScenarioSq ft PermitBuildTotal
minimum 150 $1,730 $51,000 $52,730
600 600 $2,010 $204,000 $206,010
midpoint 675 $2,080 $229,500 $231,580
maximum 1,200 $3,770 $408,000 $411,770
Fee breakdown (as of 2026-04)
Plan review$1,735
Building permit$1,547
Total$4,982

Permitting process

Typical duration85 days
Backlog18 days
  1. (~1d)
  2. (~2d)
  3. (~5d)
  4. (~1d)
  5. (~38d)
  6. (~14d)
  7. (~21d)
  8. (~3d)

Viability (permitted uses)

  • Long-term rental: yes Long-term rental by-right on County parcels; California owner-occupancy preemption since 2024.
  • Short-term rental: with-restrictions STR market in Campo is meaningfully driven by PCT thru-hiker season (March-May southbound starts at the southern terminus on the Mexican border just south of Campo) and Pacific Southwest Railway Museum visitor weekends. County STRO ordinance does not apply to unincorporated areas. Tribal-trust parcels follow tribal STR rules.
  • Office rental: with-restrictions External office tenant rental requires a Minor Use Permit / home-occupation review.
  • Home office: yes Owner home-occupation permitted under standard County rules.
  • Studio / workshop: yes Personal artist / workshop use of ADU permitted as accessory residential use.
  • Agriculture: with-restrictions Many non-tribal Campo parcels are A70 / A72 agricultural-zoned; ADU is a permitted residential accessory.
  • Relative support: yes Multigenerational / relative-occupancy ADU permitted. Rev. & Tax. Code 74.3 Claim for parent/child intergenerational housing applies on County-fee parcels.

Incentives

Contacts

DepartmentSan Diego County Planning & Development Services (PDS) — unincorporated jurisdiction over County-fee parcels in Campo CDP (NOT Campo Indian Reservation tribal trust land)

Staff: PDS Zoning Permit Counter (ADU pre-application zoning consult (County-fee parcels)) PDSZoningPermitCounter@sdcounty.ca.gov, Campo / Lake Morena Planning Group (Advisory body to County PDS for non-tribal Campo CDP parcels), Campo Band of the Kumeyaay Nation Executive Committee (Tribal authority over Campo Indian Reservation parcels (separate jurisdiction from County)), Campo Reservation Fire Protection District (CRFPD) (Fire-marshal review for parcels within or adjacent to Campo Indian Reservation), CAL FIRE / San Diego County Fire — East County Battalion (Defensible space, WUI Chapter 7A review for County-jurisdiction parcels), Campo Water Maintenance District (San Diego County DPW operated) (Water service for Rancho del Campo (Zone A) and Campo Hills (Zone B) CSAs), San Diego County Department of Environmental Health & Quality (DEHQ) (Septic / well permitting on parcels off the CWMD water system)

Utilities

  • Water: Campo Water Maintenance District (San Diego County DPW operated; two systems — Rancho del Campo Zone A and Campo Hills Zone B); private well on parcels outside the CWMD service areas; tribal water on Campo Reservation parcels · 21d connect · $5,400
    Two CWMD service zones cover meaningful portions of the Campo village core. Outlying parcels (Lake Morena / Buckman Springs, eastern back-country) rely on private wells permitted by DEHQ. Tribal-trust parcels use Campo Band tribal water systems independent of CWMD.
  • Sewer: On-site septic via San Diego County DEHQ permit (no public sewer in the Campo CDP); tribal sewage/wastewater on reservation parcels · 28d connect · $13,500
    All non-tribal Campo ADUs require an engineered or conventional septic system. The Campo / Lake Morena soil profile is mixed decomposed granite + clay loam; perc-test results are highly parcel-specific.
  • Electric: San Diego Gas & Electric (SDG&E) — service drop from regional 138 kV / 69 kV distribution serving the Campo / Boulder Brush / Boulevard substation cluster · 28d connect · $3,800
    Campo's electric grid is the same hardened SDG&E transmission backbone serving Boulevard and the regional renewable portfolio (Campo Wind / Boulder Brush, Tule Wind, proposed Manzanita Wind, proposed Jordan Wind). PSPS exposure is significant; PV+battery is increasingly common on Campo back-country parcels.

Property values & taxes

Median value$380,000
Median tax$3,990/yr
Effective rate1.1%

Construction timeline

Detached build24 weeks
Conversion12 weeks
Contractor lead4 months

Realistic total: best 8mo · typical 12mo · worst 18mo

Lead times in Campo are slightly better than Boulevard given larger population and modestly larger contractor pool; CBC Chapter 7A WUI envelope sequence still adds ~2 weeks vs non-fire-zone build. Material delivery from El Cajon supply yards is ~50 mi each way.

Modular pathway inspectors are occasional with modular

Financing

Insurance impact

Annual premium delta$1,325
Landlord policyrecommended
Umbrella threshold$1M umbrella when renting; CA FAIR Plan supplemental likely on Campo VHFHSZ parcels

HOA prevalence & preemption

State HOA preemptionyes

Campo's HOA prevalence is very low. Most parcels are rural-residential or agricultural without covenant administration. Lake Morena Village area has small CC&R clusters but no countywide HOA pattern. Tribal-trust land does not use HOA structures (governed by tribal property law and federal trust). CA AB 670 / AB 3182 preempt HOA ADU prohibitions where HOAs exist.

Regulatory overlays (5)

  • wui-fire-zone
    Campo's non-tribal CDP parcels are predominantly mapped Very High Fire Hazard Severity Zone in the CAL FIRE State Responsibility Area. CBC Chapter 7A WUI construction is the operating design assumption: Class A roof, ignition-resistant siding, dual-pane windows, 1/8-inch vent screens, non-combustible eaves. 100-foot defensible space (PRC 4291) and minimum fire-flow water supply (cistern + 2,500 gpm or NFPA 13D sprinkler tradeoff) apply outside hydranted areas.
  • other
    Campo Indian Reservation jurisdictional split: tribal trust parcels are governed by the Campo Band Executive Committee, NOT County PDS. Boundary parcels and easements between fee and trust land must be carefully documented. The Campo Wind / Boulder Brush project sits across both jurisdictions and demonstrates the cross-jurisdictional planning model.
  • other
    Campo Wind / Boulder Brush wind-energy infrastructure overlay: up to 60 wind turbines + Boulder Brush 230 kV switching/substation infrastructure. Parcels within 1-2 miles of operating turbines have documented residential complaints about noise / shadow-flicker. Construction-phase truck traffic peaked 2022-2024.
  • other
    Tecate POE / SR-94 corridor overlay: Campo lies on the SR-94 / Highway 94 / 'Campo Road' corridor approach to the Tecate Port of Entry (~24 mi south via SR-188). Border-region land-use policy, federal Border Patrol presence, and cross-border traffic dynamics are part of Campo's planning context.
  • historic-district
    Pacific Southwest Railway Museum and Campo Depot (1916) historic-rail corridor along Depot Street: ADU permits in the visual envelope of the Depot may receive heightened design review under Mountain Empire Subregional Plan visual-resource policies.
Technical envelope (climate & building code)

Climate & energy code

IECC climate zone4B
Heating degree days3,340
Cooling degree days1,605
Design low / high25°F / 95°F
Frost depth6"
Design snow load5 psf
Wind design speed105 mph
Seismic design cat.D2
Annual rainfall16.8"
Wildfire exposurevery-high
Energy codeTitle 24
Version / adopted2025 / 2026
Solar requiredyes
EV-ready requiredyes

Building code

Base codeCRC
Version year2,025
Adopted2026
Fire sprinkleruniversal
Egress window5.7 sqft min
Min ceiling7 ft
Attic R-valueR-49 min
Wall R-valueR-21 min

Amendments:

  • Amendment
  • Amendment
  • Amendment
  • Amendment

Contractor market (aggregate)

Licensed residential GCs11
ADU-specialist GCs2
Median GC size (employees)3

Known issues (3)

  • other — Jurisdictional split — Campo Indian Reservation parcels are NOT subject to County PDS; applicants must verify parcel jurisdictional status (fee vs. trust) before assuming the County process applies. A common error pattern.
  • other — VHFHSZ insurance market: admitted-carrier homeowners insurance is increasingly difficult; many Campo owners are on CA FAIR Plan + DIC wraps.
  • other — Border-corridor truck traffic on SR-94 / SR-188 toward Tecate POE adds road-improvement requirements when ADU access driveway connects to those state highways.
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

  • 91906

Post Office

  • 951 Jeb Stuart Rd, 91906