ADU Pass
San Clemente
San Diego County portion
Also in: No County · Orange County
ADU Pass helps homeowners in San Clemente, San Diego County, California navigate the permit paperwork for building an accessory dwelling unit. This area covers 1 ZIP code.
Map
ADU details
ADU legality: allowed-with-restrictions
Allowed by-right under state preemption; the binding constraints in San Clemente are (1) Coastal Zone overlay requiring CDP for ~85% of city parcels, (2) Spanish Colonial Revival design-review for many residential districts, and (3) HOA design standards in master-planned communities (Talega, Forster Ranch, Rancho San Clemente, Marblehead Coastal). Standard ministerial timeline is 60 business days but Coastal Zone CDP review extends typical end-to-end to 90-120 days.
Cost scenarios
| Scenario | Sq ft | Permit | Build | Total |
|---|---|---|---|---|
| minimum | 150 | $4,200 | $84,600 | $88,800 |
| 600 | 600 | $4,200 | $338,400 | $342,600 |
| midpoint | 675 | $4,200 | $380,700 | $384,900 |
| 1000 | 1,000 | $11,800 | $564,000 | $575,800 |
| maximum | 1,200 | $13,500 | $676,800 | $690,300 |
Fee breakdown (as of 2026-04)
Permitting process
- ADU submittal packet to Planning (~3d)
Email completed ADU packet (address exhibit, photos, HOA approval evidence, deed-restriction template) to planning@san-clemente.org per Planning Division procedure - Planning intake review (~7d)
Planning staff reviews packet for completeness, initiates project, and routes for plan-check invoicing - Coastal Development Permit (if applicable) (~30d)
For parcels in the Coastal Zone (extends inland to I-5; ~85% of city); reviewed under San Clemente's certified LCP — locally appealable parcels processed by city, CCC-appealable parcels routed to CCC - Building plan check (1st cycle) (~30d)
Multi-discipline review (structural, MEP, energy, fire). Plan-review fees invoiced before review starts - OCFA fire review (~14d)
Orange County Fire Authority review using the OCFA Fillable SFD Form for residential ADUs (commercial uses use the commercial OCFA form) - Corrections and 2nd plan check (~14d)
Applicant resubmits responding to plan-check comments; subsequent cycles run ~14 days each - Permit issuance via e-Trakit (~3d)
Permit downloaded through the city's e-Trakit portal at cdweb.san-clemente.org/eTRAKiT after fee payment - Construction inspections
Foundation, framing, MEP rough, insulation, final — scheduled through e-Trakit
Viability (permitted uses)
- Long-term rental: yes (CA Gov Code §65852.2(a)(7); AB 976) Long-term rental (30+ days) explicitly permitted. AB 976 removed all owner-occupancy requirements as of 2024-01-01, so the ADU can be rented while the primary dwelling is also rented. Subject to CA AB 1482 statewide rent cap.
- Short-term rental: with-restrictions (City of San Clemente Short-Term Rental ordinance (SCMC Ch. 5.93 STR permit program)) Short-term rentals (under 30 days) require a separate STR permit from the city. The STR program is managed independently of ADU permitting; some HOAs (notably Talega and Marblehead Coastal) prohibit STRs. STR permit caps and inspection requirements apply.
- Office rental: no (SCMC Title 17 (residential zoning use definitions)) ADUs are defined as residential units; commercial office rental to outside tenants is not a permitted use in residential zones.
- Home office: yes (SCMC home occupation provisions) Owner home-office use is permitted with home-occupation conditions: no employees on-site, no customer traffic, no exterior signage.
- Studio / workshop: yes (SCMC Title 17) Personal artist studio / workshop use as incidental to residential is permitted.
- Agriculture: no San Clemente residential zoning does not permit agricultural ADUs. Limited ornamental/fruit garden uses are permitted but not livestock or commercial agriculture.
- Relative support: yes (CA Gov Code §65852.22 (JADU); SCMC Title 17) Multigenerational family use is explicitly permitted. JADUs (≤500 sqft, within primary residence) are well-suited to elderly-parent or adult-child support arrangements; full ADUs serve the same purpose without requiring shared-entry.
Incentives
- CalHFA ADU Grant Program — $40,000 one-time predevelopment (Moderate-income owner-occupants statewide)
- Prop 13 ADU Assessment Limit
- City of San Clemente Pre-Approved ADU Plans — City pre-approves designs from licensed architects/builders to reduce plan-check time. Submittals using a pre-approved plan target 2-week review.
- Orange County Pre-Approved ADU Plans (adjacent) — OC Development Services maintains its own catalog usable on unincorporated OC parcels; San Clemente accepts the OC catalog as a starting reference but applies city plan-check.
- Impact Fee Waiver SB 13 (sub-750 sqft) — All impact fees waived for ADUs ≤750 sqft per CA SB 13 (2019).
Pre-approved plans Pre-approved plans
Contacts
Staff: Planning Division (ADU intake and zoning consultation) planning@san-clemente.org, Building Services Permits (Building permit issuance) Permits@san-clemente.org, Coastal Planning (CDP review under certified LCP) planning@san-clemente.org, Orange County Fire Authority (Fire review (OCFA, separate agency))
Contractor directory (5)
Utilities
- Water: City of San Clemente Water Utility (most parcels); Santa Margarita Water District (Talega community only) · 28d connect · $5,500
City water for most of San Clemente; Talega master-planned community is served by SMWD ((949) 459-6420). Separate ADU meter not required per CA state law (sub-750-sqft units exempt from connection fees). - Sewer: City of San Clemente Sewer (most parcels); SMWD wastewater for Talega · 28d connect · $5,500
- Electric: Southern California Edison (most parcels); SDG&E (parts of Talega and southernmost San Clemente) · 30d connect · $3,500 · separate meter required
Service-territory boundary between SCE and SDG&E runs through San Clemente; the Talega area and parts south of Camp Pendleton boundary fall in SDG&E territory. Confirm at address level via meter ID before submitting. - Gas: SoCalGas (most parcels); SDG&E (Talega edges) · 30d connect · $2,200
Property values & taxes
Construction timeline
Realistic total: best 9mo · typical 14mo · worst 20mo
Modular pathway inspectors are occasional with modular
Financing
State ADU loans:
- CalHFA ADU Grant Program up to $40,000
- HCD ADU Funding Index
Insurance impact
HOA prevalence & preemption
San Clemente has unusually high HOA prevalence (~62% of parcels) due to its master-planned-community structure: Talega, Forster Ranch, Rancho San Clemente, Marblehead Coastal, Highland Light Village, and Sea Pointe Estates are all HOA-governed. California's AB 670 (2019) and AB 3182 (2020) preempt HOA bans on ADUs and codify the preemption into Civil Code §§4740 / 4741 (Davis-Stirling). HOAs retain authority over reasonable design standards and statutory height limits. 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 — relevant guidance for San Clemente's heavily HOA-governed neighborhoods.
Regulatory overlays (5)
- coastal-commission
California Coastal Zone overlay covers ~85% of San Clemente parcels (Coastal Zone extends inland to Interstate 5, including the entire downtown core, Pier Bowl, T-Street, Riviera, North Beach, and most of Capistrano Beach). Coastal Development Permit (CDP) required for ADUs in the Coastal Zone; CDPs reviewed by the City under its certified LCP (since 2018-08-10) for non-appealable parcels and routed to the CCC for appealable parcels. Categorical Exclusion Order (1982) excludes a defined geographic subset from individual CDP requirements. - wui-fire-zone
Cal Fire State Responsibility Area / Wildland-Urban Interface designations apply to inland San Clemente neighborhoods adjacent to undeveloped open space (Forster Ranch upper hills, Marblehead Coastal canyons, Talega upper ridges). Triggers Chapter 7A of the CRC: ignition-resistant construction, ember-resistant vents, fire-rated cladding. - flood-zone
FEMA Special Flood Hazard Areas along San Juan Creek mouth, Trafalgar Canyon, and segments of the Pacific Coast Highway / El Camino Real corridor. SFHA parcels require Elevation Certificates and flood-resistant construction; ADU floor heights set per FEMA base flood elevation. - airport-noise-zone
Camp Pendleton Marine Corps Air Station to the immediate south generates AICUZ (Air Installation Compatible Use Zone) overflight footprints touching the southernmost San Clemente parcels. Recommended sound attenuation for habitable rooms in mapped zones. - historic-district
Spanish Colonial Revival design review applies broadly via SCMC design guidelines (not a single historic district). Specific landmark designations include the Casa Romantica Cultural Center (1928 Ole Hanson home), Historic Pier Bowl, and Casino San Clemente. ADUs in or adjacent to these areas receive expanded design-review scrutiny.
Technical envelope (climate & building code)
Climate & energy code
Building code
Amendments:
- Amendment
- Amendment
Contractor market (aggregate)
Legal history (timeline)
Current ordinance: City of San Clemente Municipal Code Title 17 — Zoning (ADU provisions), adopted 2020-01-01, last amended 2024-01-01
- 1982-01-01 — San Clemente Categorical Exclusion Order — Coastal Act (city-ordinance)
California Coastal Commission approval of the City's Categorical Exclusion Order under Public Resources Code §§30610(e) and 30610.5(b).
Effect: Categorically excluded specific in-city development categories (defined geographic areas) from individual Coastal Development Permit requirements. Reduces CDP friction for some interior parcels but most ADU sites still require a CDP because they fall outside the categorical exclusion footprint. - 2018-08-10 — San Clemente Local Coastal Program Land Use Plan certification (city-ordinance)
California Coastal Commission certified the City's comprehensive Local Coastal Program (LCP) Land Use Plan update.
Effect: Transferred most Coastal Development Permit jurisdiction from the Coastal Commission back to the City for non-appealable areas, giving San Clemente direct CDP authority over many ADU projects in the Coastal Zone (with appeals still routed to the CCC for appealable zones). - 2020-01-01 — AB 68 / AB 881 / SB 13 statewide ADU framework (state-law)
Foundational state preemption: ministerial 60-day approval, fee waivers under 750 sqft, prohibition on most owner-occupancy requirements.
Effect: Preempted San Clemente's prior discretionary ADU review and capped impact fees at zero for sub-750-sqft units. City conformed Title 17 to match. - 2023-01-01 — SB 897 / AB 2221 height and size standardization (state-law)
Standardized detached-ADU heights up to 16 ft single-story (higher in transit/multi-story cases) and increased size caps to 850 sqft (studio/1-BR) and 1,000 sqft (2+ BR).
Effect: Required San Clemente to permit ≥16 ft detached ADUs by right and to honor expanded size caps. Affected design-review interplay because Spanish Colonial Revival design guidelines previously assumed lower garage-conversion heights. - 2023-11-17 — HCD AB 2097 technical-assistance letter to City of San Clemente (city-ordinance)
California HCD issued a technical-assistance letter regarding AB 2097 parking-minimum preemption near major transit stops.
Effect: Confirmed that AB 2097's elimination of parking minimums within ½ mile of major transit stops applies to San Clemente; relevant for ADUs near the San Clemente Pier and San Clemente North Beach Metrolink stations on the Orange County Line. - 2024-01-01 — AB 976 — permanent owner-occupancy ban (state-law)
Permanently prohibits local governments from requiring owner-occupancy as a condition of ADU permitting.
Effect: Removed San Clemente's ability to impose owner-occupancy on ADUs; converted San Clemente ADU economics to a conventional rental-property model. - 2024-01-01 — AB 2533 — streamlined legalization for pre-2020 unpermitted ADUs (state-law)
Provides a streamlined legalization path for ADUs constructed before 2020-01-01 without permits.
Effect: City of San Clemente Building Services accepts AB 2533 legalization submittals; relevant to Capistrano Beach, North Beach, and older inland neighborhoods where unpermitted second units are common.
Known issues (1)
- policy-review (since 2024-12) — Pre-Approved ADU Plans program formally launched December 2024; catalog is still growing. Plan availability for specific lot types (corner, sloped, narrow) is limited in early phase — applicants on unusual lots default to custom plans (longer review). (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.
- San Diego County Code of Regulatory Ordinances Title 6 (Zoning) — Accessory Dwelling Unit provisions
- PDS ADU Technical Bulletin and applicant handouts
- Ordinance No. 10693 — 2020 ADU ordinance conforming to AB 68 / AB 881 / SB 13
- Ordinance No. 10749 (approximate) — 2023 ADU ordinance update for AB 2221 / SB 897 / AB 1033
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)).
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
- 92672
Post Office
- 520 E Avenida Pico, 92674