Frankford

ADU Pass helps homeowners in Frankford, Sussex County, Delaware navigate the permit paperwork for building an accessory dwelling unit. This area covers 7 ZIP codes.

7 ZIP codes

ADU details

ADU legality: unclear

Stateunclear (Delaware accessory-dwelling framework) — None enacted. Local governments retain full authority over ADU zoning, setbacks, parking, size limits, and owner-occupancy requirements.
Countywith-restrictions (Sussex County unincorporated zoning) — Sussex County permits ADUs in unincorporated areas under state-law-aligned standards. Within Frankford city limits the city ordinance plus state law govern.
Citywith-restrictions (City of Frankford Municipal / Zoning Code — Accessory Dwelling Units) — City of Frankford permits ADUs under the local ordinance aligned with Delaware statewide framework where applicable.

Delaware leaves ADU regulation to local municipalities under home-rule or Dillon-rule authority. Frankford permits ADUs subject to local conditions per its zoning ordinance.

Cost scenarios

ScenarioSq ft PermitBuildTotal
minimum 150 $1,800 $18,600 $20,400
600 600 $1,800 $74,400 $76,200
midpoint 525 $1,800 $65,100 $66,900
maximum 900 $1,800 $111,600 $113,400
Fee breakdown
Plan review$540
Building permit$990
Impact fees$270
Total$1,800

Viability (permitted uses)

  • Long-term rental: yes Long-term rental of ADU generally permitted; landlord-tenant law and any city rental-registration ordinance apply.
  • Short-term rental: with-restrictions STR rules vary by city. Frankford regulates STRs separately from ADU permitting; check local STR ordinance and HOA covenants.
  • Office rental: with-restrictions Detached office rental requires home occupation permit or rezoning.
  • Home office: yes Home occupation permitted with restrictions on signage and customer traffic.
  • Studio / workshop: yes Personal artist studio is a permitted accessory use.
  • Agriculture: with-restrictions Limited urban agriculture permitted in residential zones; livestock varies by district.
  • Relative support: yes Family-occupancy ADU explicitly permitted in single-family zones.

Utilities

  • Water: Frankford Water Utility · 30d connect · $4,500
  • Sewer: Frankford Sewer / Wastewater · 30d connect · $5,500
  • Electric: Frankford Electric Utility · 21d connect · $1,800
  • Gas: Frankford Gas Utility · 30d connect · $1,500

Property values & taxes

Median value$300,000
Median tax$900/yr
Effective rate0.3%

Construction timeline

Detached build24 weeks
Conversion14 weeks
Contractor lead3 months

Realistic total: best 7mo · typical 10mo · worst 16mo

Financing

Insurance impact

Annual premium delta$380
Landlord policyrecommended
Umbrella threshold$1M umbrella when renting

HOA prevalence & preemption

State HOA preemptionno

Delaware has no HOA-ADU preemption; HOA covenants restricting ADUs are enforceable.

Regulatory overlays (1)

  • flood-zone
    Frankford has FEMA Special Flood Hazard Areas; elevation certificates and flood-resistant construction required for SFHA parcels.
Technical envelope (climate & building code)

Climate & energy code

IECC climate zone4A
Heating degree days4,200
Cooling degree days1,500
Design low / high18°F / 91°F
Frost depth16"
Design snow load15 psf
Wind design speed130 mph
Seismic design cat.B
Annual rainfall44"
Wildfire exposurelow
Energy codeIECC
Version / adopted2018 / 2020

Building code

Base codeIRC
Version year2,018
Adopted2020
Fire sprinklernone
Egress window5.7 sqft min
Min ceiling7 ft
Attic R-valueR-49 min
Wall R-valueR-20 min

Amendments:

  • Amendment
  • Amendment
Sussex County — county ADU rules and overlays

County ADU ordinance

Sussex County adopted Ordinance No. 3027 on 2024-06-25, overhauling its accessory dwelling unit rules and reclassifying what had been labeled 'garage/studio apartments' in the 1990s code as ADUs. The ordinance amended Chapter 110 (Subdivisions), Article III, Section 110-9, and Chapter 115 (Zoning) Articles I, IV, V, VI, VII, VIII, IX, and XXVII at Sections 115-4, 115-20, 115-23, 115-29, 115-32, 115-40, 115-48, 115-53, 115-56, 115-64, and 115-210. The definition-level change is in Chapter 115 Article I; the use-table entries are in each residential district's article; and the supplementary regulations (size, setback, parking, etc.) live in Article XXV (Supplementary Regulations). Key policy changes: ADUs now allowed by right in most residential districts without a Board of Adjustment special-use exception; maximum ADU floor area increased from 800 to 1,000 sq ft; self-contained kitchens now permitted (previously prohibited); both attached and detached ADUs allowed; minimum lot size 10,000 sq ft; ADU cannot be placed in front of the primary residence on lots under 3 acres; existing front/side/rear setbacks for the underlying district apply; one off-street parking space required; total lot coverage capped at 50%; may be owner-occupied or rented. The ordinance applies only in unincorporated Sussex County — incorporated municipalities (Rehoboth Beach, Lewes, Bethany Beach, Milton, Seaford, Milford, Georgetown, Laurel, Bridgeville, Millsboro, Selbyville, Dagsboro, Delmar, Frankford, Greenwood, Ellendale, Bethel, Harbeson unincorporated, Lincoln unincorporated) handle their own ADU rules. Private deed restrictions and HOA covenants take precedence over the county ordinance.

State-floor overlay: Delaware has NOT enacted a statewide ADU preemption law; the only state pressure on Sussex County's ADU rules is the non-binding technical-assistance provided through DSHA's Zoning and Land Use Reform Pilot Program (Senate Joint Resolution 8, 2024), of which Sussex County is a participant. Neither SB 23 (152nd General Assembly) nor SB 87 (153rd General Assembly, tabled at Senate floor) has passed, so Sussex County's Ordinance 3027 operates without a state preemption floor and represents the controlling law for unincorporated parcels.

County regulatory overlays

Sussex County administers a Flood-Prone Districts overlay (Chapter 115 Article XVIII) that implements FEMA NFIP standards countywide; roughly 20% of Sussex parcels sit within a mapped Special Flood Hazard Area (SFHA), heavily concentrated along the Atlantic coast (Rehoboth, Dewey, Bethany, South Bethany, Fenwick Island), Delaware Bay (Broadkill, Slaughter Beach), and the Inland Bays (Rehoboth Bay, Indian River Bay, Little Assawoman Bay). Atop the county overlay, Delaware DNREC administers the state Coastal Zone Act regulated area and the Delaware Coastal Management Program (NOAA-approved CZMA program since 1979) — the CZA regulated area covers Sussex's entire Atlantic-coast and bay-shore band and governs major industrial land uses more than ADUs, but ADUs within the CZMA-mapped area still encounter DNREC review where a state subaqueous lands or wetlands permit is triggered. The Delaware Bay and Atlantic Ocean coastal band also sits within NFIP VE zones (velocity/wave action) where ADU construction requires elevation and breakaway-wall detailing. The county does NOT administer a wildland-urban interface (WUI) overlay — Delaware is not a WUI state. Historic-district overlays are handled by individual municipalities (Lewes, Rehoboth Beach, Milton, Milford, Seaford) rather than at the county level.

  • Sussex County Flood-Prone Districts Overlay — Sussex County's local implementation of FEMA NFIP floodplain-management standards. FIRMs most recently updated and affirmed by FEMA 2015-03; Round Pole Branch and Clear Brook studies ongoing. An ADU within a mapped SFHA (Zone A, AE, or VE) faces elevation, venting, anchoring, and — in V zones — breakaway-wall requirements that materially change construction cost. Lowest-finished-floor must meet or exceed the base flood elevation plus any adopted freeboard.
  • Sussex County Flood Map Ordinance administrative page — Administrative landing page linking the county ordinance text, the FIRM viewer, and the parcel-lookup workflow for confirming SFHA status before submitting a permit application.
  • Delaware Coastal Zone Act / CZMA regulated area — The Delaware CZA regulated area spans the entire Atlantic coast of Sussex County and the Delaware Bay and Inland Bays shoreline. CZA review focuses on heavy industry and port uses — ADUs are not themselves a CZA-triggering use — but the broader CZMA consistency review applies to federally permitted actions and to state subaqueous-lands/wetlands permits that a shore-proximate ADU might trigger.
  • DNREC Wetlands and Subaqueous Lands jurisdiction — State-level overlay that can affect ADU siting on tidal-wetland-adjacent parcels and on parcels extending into subaqueous lands. DNREC review is separate from county zoning review and can add 60-180 days to the permitting clock for shore-proximate parcels.
  • DNREC Floodplain Management — State floodplain-management program that coordinates with Sussex County's local ordinance. DNREC maintains the Delaware Flood Planning Tool (https://floodplanning.dnrec.delaware.gov/) for parcel-level SFHA and sea-level-rise scenario lookup, which is a useful pre-application screen for ADU proposals on Sussex coastal parcels.
  • FEMA National Flood Insurance Program (NFIP) participation — Sussex County is an NFIP-participating community; ADUs on parcels in V zones require engineered foundations and cannot have enclosed habitable space below base flood elevation. ADUs in A/AE zones must have elevated finished floors and flood-vented crawlspaces. Community Rating System (CRS) discounts for flood-insurance policyholders depend on the community's CRS class, which is reviewed on a 5-year cycle.

County permitting (unincorporated parcels)

Permits for ADUs on parcels in unincorporated Sussex County are issued by the Sussex County Planning & Zoning Office (zoning compliance) and the Sussex County Building Code Department (building permit). Under Ordinance 3027 (2024), ADUs are a by-right use in the Agricultural Residential (AR-1, AR-2), Medium-Density Residential (MR), General Residential (GR), High-Density Residential (HR-1, HR-2), and Urban Residential (UR) districts provided the parcel meets the 10,000 sq ft minimum, 50% lot-coverage cap, and the ADU does not sit in front of the primary residence on parcels under 3 acres. No Board of Adjustment special-use exception is required for an ADU that conforms to Article XXV; a non-conforming proposal still needs a variance. Incorporated municipalities inside Sussex (Rehoboth Beach, Lewes, Bethany Beach, Milton, Seaford, Milford, Georgetown, Laurel, Bridgeville, Millsboro, Selbyville, Dagsboro, Delmar, Frankford, Greenwood, Ellendale, Bethel) handle their own ADU permits through their own code-enforcement offices and are NOT covered by this unincorporated-permitting record.

DepartmentSussex County Planning & Zoning Office and Building Code Department
Address2 The Circle, PO Box 589, Georgetown, DE 19947
Delaware state — ADU law and programs

State ADU law

Delaware has NOT enacted a statewide ADU preemption law. Two attempts have been made. Senate Substitute 1 for SB 23 (152nd General Assembly, introduced 2024-05-20) stalled in the Senate Housing and Land Use Committee when the 152nd session ended 2024-06-30. SB 87 (153rd General Assembly, introduced 2025-04-03, chief sponsor Sen. Russ Huxtable) was reported out of committee favorably on 2025-05-07 with Senate Amendment 1, but was tabled at the full Senate floor and has not been taken up in the 2026 portion of the session as of 2026-04-20. In the absence of state preemption, ADU rules are governed entirely by the three counties (Kent, New Castle, Sussex) and incorporated municipalities.

State financing programs

Delaware does not operate an ADU-specific statewide loan, grant, or forgivable-loan program. The Delaware State Housing Authority (DSHA) administers general first-time-homebuyer, down-payment-assistance, and home-repair programs that can apply to properties with ADUs when eligibility criteria are met, but none target ADU construction directly. Senate Joint Resolution 8 (2024) created a Zoning and Land Use Reform Pilot Program that provides technical assistance (not financing) to nine participating jurisdictions, some of which have used that assistance to modernize their ADU zoning.

State housing programs

Delaware supports local ADU implementation through technical-assistance and smart-growth programs coordinated at the state level, rather than a single pre-approved-plan catalog or impact-fee-waiver statute. Governor Matt Meyer's Executive Order 16 (2026-01-30) certified the 2025 update to the Delaware Strategies for State Policies and Spending, directing the Office of State Planning Coordination to establish Corridor Planning Areas, modernize the Preliminary Land Use Service (PLUS) review to a 45-day goal, and expand the Downtown Development District (DDD) program cap from 12 to 15 districts. Housing-density and ADU implementation are implicit in the Strategies but not separately mandated by the order.

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

  • 19930
  • 19939
  • 19944
  • 19945
  • 19967
  • 19970
  • 19975

Post Office

  • 1 Main St, 19945
  • 35994 Zion Church Rd, 19945

Locale Names

  • Sussex County Carrier Annex