Jacksonville

Duval County portion

ADU Pass helps homeowners in Jacksonville, Duval County, Florida navigate the permit paperwork for building an accessory dwelling unit. This area covers 30 ZIP codes.

30 ZIP codes

ADU details

ADU legality: allowed-with-restrictions

Statewith-restrictions (Florida accessory-dwelling framework) — None currently. § 163.31771 is permissive; local jurisdictions retain full authority. If SB 48 / HB 313 passes in 2026, preemption scope becomes all single-family zoning statewide with the three prohibitions above.
Countyallowed (Duval County unincorporated zoning) — Duval County permits ADUs in unincorporated areas under state-law-aligned standards. Within Jacksonville city limits the city ordinance plus state law govern.
Cityallowed (City of Jacksonville Municipal / Zoning Code — Accessory Dwelling Units) — City of Jacksonville permits ADUs under the local ordinance aligned with Florida statewide framework where applicable.

Florida partially preempts local ADU restrictions; cities retain authority over design and setbacks. Jacksonville permits ADUs subject to local conditions per its zoning ordinance.

Cost scenarios

ScenarioSq ft PermitBuildTotal
minimum 150 $2,400 $14,400 $16,800
600 600 $2,400 $57,600 $60,000
midpoint 575 $2,400 $55,200 $57,600
maximum 1,000 $2,400 $96,000 $98,400
Fee breakdown
Plan review$720
Building permit$1,320
Impact fees$360
Total$2,400

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

Property values & taxes

Median value$333,700
Median tax$2,566/yr
Effective rate0.8%

Construction timeline

Detached build22 weeks
Conversion12 weeks
Contractor lead4 months

Realistic total: best 7mo · typical 11mo · worst 16mo

Financing

Insurance impact

Annual premium delta$720
Landlord policyrecommended
Umbrella threshold$1M umbrella when renting

HOA prevalence & preemption

State HOA preemptionno

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

Regulatory overlays (3)

  • flood-zone
    Jacksonville has FEMA Special Flood Hazard Areas; elevation certificates and flood-resistant construction required for SFHA parcels.
  • historic-district
    Jacksonville historic districts trigger Architectural Review Board / Historic Preservation Commission review for ADUs in historic boundaries.
  • airport-noise-zone
    Airport noise contours affect some parcels and may require sound-attenuation construction.
Technical envelope (climate & building code)

Climate & energy code

IECC climate zone2A
Heating degree days1,600
Cooling degree days2,700
Design low / high30°F / 93°F
Wind design speed130 mph
Seismic design cat.A
Annual rainfall67"
Wildfire exposurelow
Energy codeIECC
Version / adopted2020 / 2024

Building code

Base codeIRC
Version year2,020
Adopted2024
Fire sprinklernone
Egress window5.7 sqft min
Min ceiling7 ft
Attic R-valueR-38 min
Wall R-valueR-13 min

Amendments:

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

County ADU ordinance

Duval County is consolidated with the City of Jacksonville under the Jacksonville consolidated city-county government adopted by referendum in 1967 (Chapter 67-1320, Laws of Florida). Jacksonville's jurisdiction covers essentially all of Duval County except four small independent incorporated beach towns (Atlantic Beach, Neptune Beach, Jacksonville Beach, Baldwin) that retained separate municipal governments at consolidation. As a practical matter, there is NO separately-governed unincorporated Duval County — zoning, building, assessment, and overlay administration are all performed by the City of Jacksonville's departments for 98%+ of Duval parcels. ADU allowance flows from Jacksonville's Zoning Code (Chapter 656 of the Ordinance Code) and the Unified Development Code / Land Development Procedures Manual. § 163.31771 FS is permissive only.

State-floor overlay: No Florida statewide ADU preemption floor exists as of April 2026. SB 48 / HB 313 (2026 session) is the active preemption bill. Duval/Jacksonville retains full discretion until enactment.

County regulatory overlays

Duval/Jacksonville administers flood, coastal, JAX airport-approach, military-base AICUZ, historic-district, and tree-protection overlays. The St. Johns River bisects the consolidated city-county and produces extensive AE-zone flood mapping; Atlantic-front and Intracoastal parcels carry VE/AE exposure; Naval Air Station Jacksonville and Naval Station Mayport generate federal AICUZ overlays.

  • FEMA Special Flood Hazard Areas (SFHA) — AE zones are extensive along the St. Johns River, its tributaries (Trout River, Arlington River, Ortega River), and the Intracoastal Waterway. VE zones affect the narrow Atlantic frontage at Mayport and along the beach-city boundaries. ADUs in SFHA require elevation, flood vents, and flood-resistant materials.
  • Coastal High Hazard Area (CHHA) — Atlantic-adjacent Duval parcels fall within CHHA with heightened comprehensive-plan review on intensification of residential use.
  • Naval Air Station Jacksonville (NAS JAX) & Naval Station Mayport AICUZ — Air Installation Compatible Use Zones around NAS JAX (Ortega/Westside) and NAS Mayport (East Duval) restrict residential intensification in mapped APZ areas and require noise-attenuation construction in noise zones. ADUs in APZ-I or APZ-II may be prohibited; APZ noise zones add construction cost.
  • Jacksonville International Airport (JAX) Approach Zones — Parcels under JAX approach/transitional surfaces face height restrictions; a two-story ADU may require FAA Form 7460 notice.
  • Historic Districts (Springfield, Riverside, Avondale, San Marco, others) — Jacksonville maintains several locally-designated historic districts and is active with the State Historic Preservation Office. A detached ADU in a historic district requires Certificate of Appropriateness (COA) review by the Jacksonville Historic Preservation Commission in addition to the standard building permit.
  • Tree-Protection Overlay — Jacksonville's tree-protection ordinance applies city-wide. A tree-removal permit is required for any protected-species removal; ADU siting that necessitates protected-tree removal adds a permit step and potential mitigation cost.

County permitting (unincorporated parcels)

Permits for ADUs anywhere in Duval County outside the four independent beach municipalities are issued by the City of Jacksonville Planning and Development Department (zoning review) and the Building Inspection Division (building review). Jacksonville operates the largest single-jurisdiction permitting office in Florida by land area (~875 square miles). The Unified Development Code governs the procedural path, and the Jacksonville ePermit / Citizen Access portal handles intake, review, and inspection scheduling.

DepartmentCity of Jacksonville Planning and Development Department / Building Inspection Division
Address214 North Hogan Street, Suite 300, Jacksonville, FL 32202
Phone904-255-8500
Florida state — ADU law and programs

State ADU law

Florida does NOT currently have a statewide ADU preemption law in effect. Florida Statutes § 163.31771 (enacted 2004, last amended 2020) is permissive — it authorizes local governments to adopt ADU ordinances but does not require them to. ADU rules are therefore set municipality-by-municipality: Miami-Dade, Orlando, St. Petersburg, Tampa, and a growing set of Florida cities have their own ordinances; many smaller counties and cities still prohibit or restrict ADUs by default. A preemption bill (SB 48 / HB 313) is pending in the 2026 legislative session and is likely to pass given that its 2025 predecessor cleared the Senate 37-0 and House 97-10 before dying on a procedural amendment dispute.

  • Florida Statutes § 163.31771 — Accessory dwelling units — Permissive (not mandatory) statute. Defines an ADU as 'an ancillary or secondary living unit, that has a separate kitchen, bathroom, and sleeping area, existing either within the same structure, or on the same lot, as the primary dwelling unit.' Authorizes — but does not require — local governments to adopt ordinances allowing ADUs in single-family residential zones. Contains no size caps, no owner-occupancy rules, no HOA preemption. All substantive rulemaking is local.

State financing programs

Florida Housing Finance Corporation (FHFC) does not operate an ADU-specific state loan or grant program. FHFC's primary affordable-housing lever at the ADU tier is the State Housing Initiatives Partnership (SHIP), which distributes state documentary-stamp-tax revenue to all 67 counties and 52 entitlement cities for locally-administered housing programs — some of which may fund ADU construction at the local level (notably Orange County's Affordable ADU Loan Program, run through the Orange County Housing Finance Trust). FHFC's FL Assist down-payment programs and HFA Preferred / HFA Advantage conventional loans apply to ADU-eligible primary residences but do not single out ADUs. Proposed CS/SB 1440 would create a state property-tax exemption of up to 100% of assessed value for an ADU rented at affordable rates.

State housing programs

Florida does not currently operate a statewide pre-approved ADU plan catalog (unlike California or Washington). State-level ADU implementation is driven by (a) the permissive § 163.31771 which lets willing jurisdictions adopt ordinances, (b) SHIP pass-through funding to local ADU programs (Orange County's Affordable ADU Loan Program is the model), and (c) the affordable-housing property-tax exemption under the Live Local Act (SB 102 / SB 328). The Department of Economic Opportunity (DEO) — now reorganized as the Department of Commerce — provides technical assistance to local governments but no statewide ADU-specific mandate or program. Major counties (Miami-Dade, Orange, Pasco, Hillsborough, Pinellas, Broward) have published their own ADU ordinances and guidance documents.

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

  • 32202
  • 32203
  • 32204
  • 32205
  • 32206
  • 32207
  • 32208
  • 32209
  • 32210
  • 32211
  • 32212
  • 32216
  • 32217
  • 32218
  • 32219
  • 32220
  • 32221
  • 32222
  • 32223
  • 32225
  • 32226
  • 32228
  • 32234
  • 32244
  • 32246
  • 32254
  • 32256
  • 32257
  • 32258
  • 32277

Post Office

  • 10700 Beach Blvd, 32246
  • 10990 Fort Caroline Rd, 32225
  • 1100 Kings Rd, 32203
  • 11250 Philips Industrial Blvd E, 32256
  • 1440 Edgewood Ave W, 32208
  • 150 Busch Dr, 32218
  • 1601-1 N Main St, 32206
  • 199 Center St S, 32234
  • 3000 Spring Park Rd, 32207
  • 3980 Herschel St, 32205
  • 4160 N Canal St, 32209
  • 4411 Sunbeam Rd, 32257
  • 460 Massey Ave, 32228
  • 5258 Norwood Ave Unit 1, 32208
  • 5501 Wesconnett Blvd, 32244
  • 569 Childs St, 32212
  • 7055 Blanding Blvd, 32244
  • 7707 Merrill Rd, 32277

Locale Names