San Jose

Santa Clara County portion

ADU Pass helps homeowners in San Jose, Santa Clara County, California navigate the permit paperwork for building an accessory dwelling unit. This area covers 29 ZIP codes.

29 ZIP codes

ADU details

ADU legality: allowed

Stateallowed (California Government Code 65852.2 / 65852.22 (AB 68/881/671/3182, SB 13, AB 1033, AB 976, SB 897, AB 2221, SB 1211, AB 1332)) — California ADU statute preempts most local restrictions. Ministerial 60-day review, owner-occupancy permanently barred (AB 976), HOA covenants void on ADUs (AB 670/3182), impact-fee waiver under 750 sqft (SB 13). AB 1332 (effective 2025-01-01) requires cities over 200K to establish a pre-approved ADU plans program. AB 1033 (effective 2024-01-01) enables condominium conversion of ADUs.
Countyallowed (Santa Clara County Zoning - applies in unincorporated only) — Santa Clara County Department of Planning and Development administers ADU permits in unincorporated areas of the county. Within San Jose city limits, the City's Municipal Code Title 20 plus state law are controlling; County zoning does not apply.
Cityallowed (San Jose Municipal Code Chapter 20.80 (Specific Use Regulations - includes ADU streamlining and AB 1033 condo-conversion provisions); ADU base standards in Title 20 zoning code) — San Jose's ADU rules are organized across Title 20 (base ADU standards) and Chapter 20.80 (Specific Use Regulations + AB 1033 streamlined ADU-condominium conversion under Govt Code 66342). San Jose was the first California city to implement AB 1033 (Council approved 2024-06-11, effective 2024-07-18).

Permitted by-right ministerial review through SJ Permit Center. SJePlans electronic plan submittal in routine use. ADU condo-conversion (AB 1033) live since 2024-07. Pre-approved plan program in operation under AB 1332.

Cost scenarios

ScenarioSq ft PermitBuildTotal
minimum 400 $5,800 $264,000 $269,800
600 600 $9,200 $396,000 $405,200
midpoint 800 $16,500 $528,000 $544,500
1200 1,200 $26,500 $780,000 $806,500
Fee breakdown (as of 2026-04)
Plan review$4,400
Building permit$6,800
Total$20,850

Permitting process

Typical duration84 days
Backlog21 days
  1. Pre-application research and zoning verification (~7d)
    Confirm parcel zoning (R-1, R-2, R-M, etc.) on SJ Permit Center map; verify lot is residential; check overlay constraints: very-high FHSZ (east hills - Mt Hamilton foothills, Almaden Quicksilver, Alum Rock area), Alquist-Priolo Earthquake Fault Zone (Calaveras / Hayward Fault traces), Riparian Corridor overlay, Historic Preservation district overlays.
  2. Pre-approved ADU plan election (optional) or custom plan preparation (~14d)
    If using SJ pre-approved plan catalog, select plan and verify site fit. Otherwise prepare site plan, floor plans, elevations, Title 24, structural calcs.
  3. Submit application via SJePlans (~1d)
    Electronic plan submittal through SJePlans portal at the SJ Permit Center (200 E. Santa Clara St., Tower 2nd Floor). For routine ADUs, an ADU Service appointment may be available for streamlined intake.
  4. Completeness review (15 business days statutory) (~15d)
    PBCE Building + Planning screen for completeness within 15 business days per state-law deemed-complete requirement.
  5. Concurrent agency review (Planning, Building, PW, Fire, water provider) (~35d)
    PBCE Planning (zoning), PBCE Building (CRC/CBC + SJ amendments), Public Works (driveway/grading/encroachment), San Jose Fire Department (defensible space + sprinkler), water provider (San Jose Water Company / SCVWD-Great Oaks Water Company / SJMU depending on parcel) review concurrently.
  6. Permit issuance (~5d)
    Once corrections cleared and fees paid, permit issues. Statutory ministerial limit 60 days from complete application. SJ routinely meets this on pre-approved-plan submittals.
  7. Construction inspections
    Foundation, framing, MEP rough, insulation, drywall, sprinkler, final. Inspections requested through the SJ Online Permit Center.
  8. Certificate of Occupancy + optional AB 1033 condominium conversion (~7d)
    Final inspection pass triggers CO; ADU eligible for occupancy and rental. Owners may then optionally pursue Chapter 20.80 Part 10 condominium conversion to enable separate-sale.

Viability (permitted uses)

  • Long-term rental: yes (San Jose Municipal Code Title 20 + SJ Apartment Rent Ordinance (ARO) - Chapter 17.23) 30+day rental of ADU permitted by-right; AB 976 prohibits owner-occupancy condition. Newly-constructed ADUs in single-family/duplex zones generally exempt from ARO; multi-family additions verify with SJ Rent Stabilization Program.
  • Short-term rental: with-restrictions (San Jose Municipal Code Chapter 20.80.300 (Incidental Transient Occupancy) and TOT registration through City Finance) San Jose regulates STRs under SJMC Chapter 20.80.300. ADU may be used for STR if registered and TOT compliant; Chapter 20.80 specifically references compliance with the city's STR rules.
    • TOT registration with City
    • Hosted STR permitted in primary residence
    • Whole-home un-hosted STR limited to 180 days/year
  • Office rental: no Title 20 limits ADUs to dwelling-unit use; commercial office tenancy not permitted in residentially-zoned ADU.
  • Home office: yes Home occupations permitted in residential zones with limits on signage, employees, customer traffic per Title 20.
  • Studio / workshop: yes Personal artist/workshop use is a permitted accessory residential use.
  • Agriculture: with-restrictions (San Jose Municipal Code Title 20 - Urban Agriculture provisions) Limited backyard agriculture and small-livestock allowed by district; ADU itself remains residential. Coyote Valley and South SJ ag zones have additional flexibility.
  • Relative support: yes Family-occupancy ADU explicitly permitted; JADU specifically designed for owner+relative arrangement.

Incentives

Pre-approved plans San Jose Pre-Approved ADU Plans Program · 8 free designs · 35% plan-review fee waiver · saves ~5 weeks

Contacts

DepartmentCity of San Jose Planning, Building and Code Enforcement Department (PBCE) - Permit Center

Staff: SJ Planning Division - ADU Counter (Title 20 zoning compliance), SJ Public Works - AB 1033 Parcel Map Coordinator (ADU condominium-conversion mapping support), San Jose Fire Department - Bureau of Fire Prevention (Defensible space + sprinkler review)

Utilities

  • Water: San Jose Water Company (SJWC) for most of San Jose; San Jose Municipal Water System (SJMU) for North San Jose / Alviso / Edenvale; Great Oaks Water Company in South San Jose. SCVWD (Valley Water) is the wholesale supplier. · 45d connect · $5,200
  • Sewer: San Jose-Santa Clara Regional Wastewater Facility (RWF) via City of San Jose Environmental Services Department · 30d connect · $4,400
  • Electric: Pacific Gas & Electric (PG&E); San Jose Clean Energy CCA for generation · 60d connect · $2,800
  • Gas: Pacific Gas & Electric (PG&E) · 60d connect · $1,900

Property values & taxes

Median value$1,390,000
Median tax$14,595/yr
Effective rate1.1%

Market rent by ADU size

Sq ftRent
400$2,200/mo
600$2,850/mo
800$3,450/mo
1,200$4,200/mo

Construction timeline

Detached build28 weeks
Conversion14 weeks
Contractor lead6 months

Realistic total: best 9mo · typical 14mo · worst 22mo

Silicon Valley GC backlog runs 5-7 months for ADU specialists. PG&E electrical-service upgrade and SJWC meter coordination are common timeline-killers. East-foothills VHFHSZ parcels add 3-5 weeks for fire review and Chapter 7A compliance.

Modular pathway California HCD Factory-Built Housing Program · inspectors are experienced with modular · 18 modular permits (last 24mo)

South Bay freeway access (US 101, I-880, I-280) accommodates standard 14-16 ft module width; east-hills addresses have grade and width restrictions. Bay Bridge clearance not in routing.

Financing

Typical HELOC8.3%
Cash-out refi avg7.2%
Fannie Mae ADUeligible

State ADU loans:

Insurance impact

Annual premium delta$720
Landlord policyrecommended
Umbrella threshold$1M umbrella when long-term renting; $2M when STR-renting; eastern hills VHFHSZ parcels may need higher coverage

Bay Area earthquake (Calaveras/Hayward Fault) and east-hills wildfire exposure inflate carrier premium quotes. California Earthquake Authority (CEA) policy strongly recommended.

HOA prevalence & preemption

% parcels under HOA28%
State HOA preemptionyes
Preemption citationCalifornia Civil Code 4740 / 4741 (AB 670 / AB 3182)

SJ has many HOA-governed planned communities (Almaden, Silver Creek, Communications Hill, Berryessa, etc.). State law voids HOA covenants prohibiting ADUs on single-family lots; HOAs retain reasonable design-standards authority.

Regulatory overlays (6)

  • wui-fire-zone — Eastern hills (Mt Hamilton foothills, Alum Rock, Evergreen, Communications Hill perimeter), Almaden Quicksilver area, and Coyote Valley western flank classified Very High Fire Hazard Severity Zone (LRA) · +21d · +12% cost
    CBC Chapter 7A required in VHFHSZ: Class A roof, ember-resistant vents, ignition-resistant siding, defensible space. SJFD Bureau of Fire Prevention enforces. (map)
  • seismic-retrofit-zone — Calaveras Fault Zone (eastern SJ), Hayward Fault zone exposure to the north, San Andreas Fault zone exposure to the west; SJ Soft-Story Ordinance applies to wood-frame multi-family · +14d · +6% cost
    Seismic Design Category D-D2 per ASCE 7. Alquist-Priolo Earthquake Fault Zoning Act applies to parcels astride mapped fault traces. (map)
  • flood-zone — FEMA SFHA Zone AE along Coyote Creek, Guadalupe River, Los Gatos Creek, Penitencia Creek; Zone X-shaded in alluvial fan areas · +14d · +6% cost
    Elevation Certificate required in SFHA; flood vents on enclosed below-base areas; flood insurance required for federally-backed financing. 2017 Coyote Creek flood drove updated mapping in some areas. (map)
  • airport-noise-zone — San Jose Mineta International Airport (KSJC) 65+ CNEL noise contours; Reid-Hillview Airport (KRHV) noise contours; Santa Clara County ALUC controls · +14d · +4% cost
    Sound-attenuation construction (STC 30+) may be required in 65+ CNEL contours. Reid-Hillview lead-exposure litigation drove additional county-level scrutiny. (map)
  • historic-district — SJ Historic Preservation districts (Naglee Park, Hanchett Park, Reed Street, etc.) and individual landmark structures · +21d · +8% cost
    Historic Landmarks Commission review for ADUs in designated landmark districts. (map)
  • other — SJ Riparian Corridor protection overlay - 100-ft buffer along creeks and significant drainages · +14d · +5% cost
    ADU placement within riparian corridor may require setback variance or biological survey. (map)
Technical envelope (climate & building code)

Climate & energy code

IECC climate zone3C
Heating degree days2,300
Cooling degree days800
Design low / high32°F / 95°F
Wind design speed96 mph
Seismic design cat.D2
Annual rainfall16"
Wildfire exposureModerate to Very High
Energy codeCalifornia Title 24
Version / adopted2025 / 2026-01-01
All-electric mandateyes
Solar requiredyes
EV-ready requiredyes

Building code

Base codeCalifornia Residential Code (CRC)
Version year2,025
Adopted2026-01-01
Fire sprinkleruniversal
Egress window5.7 sqft min
Min ceiling7 ft
Attic R-valueR-38 min
Wall R-valueR-13 min

Amendments:

Contractor market (aggregate)

Licensed residential GCs5,400
ADU-specialist GCs320
Laborer median wage$36/hr

Known issues (2)

  • policy-review (since 2024-07) — SJ is operating a brand-new program; case law and lender practice for AB 1033 ADU condos are still developing through 2026. Title insurance and lender comfort with separately-titled ADUs is improving but not universal. (source)
  • fee-schedule-pending (since 2025-12) — Fee schedule was updated 2025-12-12; some 2026-Q1 ADU permits ran with transitional fee tables. Use SJ Building Fee Estimator for current quotes. (source)
Santa Clara County — county ADU rules and overlays

County ADU ordinance

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 Codes

  • 95110
  • 95111
  • 95112
  • 95113
  • 95116
  • 95117
  • 95118
  • 95119
  • 95120
  • 95121
  • 95122
  • 95123
  • 95124
  • 95125
  • 95126
  • 95127
  • 95128
  • 95129
  • 95130
  • 95131
  • 95132
  • 95133
  • 95134
  • 95135
  • 95136
  • 95138
  • 95139
  • 95140
  • 95148

Post Office

  • 105 N 1st St, 95113
  • 1085 Mcginness Ave, 95127
  • 1175 Branham Ln, 95118
  • 1315 Piedmont Rd, 95132
  • 1750 Meridian Ave, 95125
  • 1769 Hillsdale Ave, 95124
  • 2450 Alvin Ave, 95121
  • 2731 Junction Ave, 95134
  • 4285 Payne Ave, 95117
  • 5706 Cahalan Ave, 95123
  • 80 Lewis Rd, 95111

Locale Names