Washington

ADU Pass helps homeowners in Washington, Tazewell County, Illinois navigate the permit paperwork for building an accessory dwelling unit. This area covers 1 ZIP code.

1 ZIP code

ADU details

ADU legality: with-restrictions

Stateunclear (Illinois has no statewide ADU preemption statute) — Illinois leaves ADU regulation to home-rule and non-home-rule municipalities. Washington (pop. ~16,500 / 2020 census) is a non-home-rule city under Illinois Municipal Code; recently pushed past the 25,000 threshold debate but has not pursued home-rule via referendum.
Countywith-restrictions (Tazewell County Department of Community Development - Title 7 Chapter 1 Zoning Code, applies in unincorporated areas only) — Tazewell County permits ADUs in any residential or agricultural zoning district where the principal use is a single-family dwelling. Per Tazewell County rule: only one accessory unit per lot, must be owner-occupied, cannot be rented to unrelated parties, must share the driveway, must be 350-800 sqft, internal-conversion entrance must not face any street the lot fronts, and a separate 911 address is required. These rules apply to unincorporated parcels - within Washington city limits, the city's Title 11 zoning governs.
Citywith-restrictions (Washington Municipal Code Title 11 Zoning, residential district provisions) — Washington's zoning ordinance does not contain a dedicated ADU chapter; secondary-dwelling work is reviewed under accessory-use provisions of Title 11. Post-2013 tornado rebuild context is highly relevant: ~481 residential rebuild permits (plus 92 follow-on tornado-related) issued 2014-2015, reshaping much of the original housing stock. Residential builders here are well-practiced in storm-shelter and continuous-load-path construction.

Washington, IL (Tazewell County) sits in the Peoria metropolitan area and was struck by an EF-4 tornado on November 17, 2013, destroying 633 homes. The post-tornado rebuild created a sophisticated residential building department familiar with engineered framing, storm shelters, and rapid-permit workflows. ADU permitting paths exist under Title 11 accessory provisions but not as a standalone by-right category; case-by-case review by the Planning & Zoning Commission applies to most new ADU proposals.

Cost scenarios

ScenarioSq ft PermitBuildTotal
minimum 350 $980 $80,500 $81,480
600 600 $1,480 $162,000 $163,480
midpoint 575 $1,420 $152,950 $154,370
maximum 800 $1,850 $232,000 $233,850
Fee breakdown (as of 2026-04)
Plan review$350
Building permit$580
School fees$250
Total$1,830

Permitting process

Typical duration112 days
Backlog14 days
  1. Pre-application meeting - Washington Building Inspection (City Hall, 301 Walnut Street) (~5d)
    Walk-in or phone consult with Building Inspector. Confirm zoning district (R-1 / R-2 / R-3) and whether the parcel is in the post-tornado rebuild area (Devonshire, Northwoods, Westwood, Trails Edge) where engineered-framing standards are well established.
  2. Planning & Zoning Commission accessory-use determination (~30d)
    Required for any new dwelling unit not falling within an existing principal-structure footprint. Washington PZC meets monthly. Accessory-use determination clarifies whether item is a permitted accessory or requires special-use review.
  3. Engineered framing review (post-tornado standard practice) (~21d)
    Washington Building Inspection requires structural-engineer-sealed plans for new residential shells; continuous load path hardware, hold-downs at corners, hurricane clips at top plate, sheathing nail schedule per ASCE 7-22 tornado-zone provisions.
  4. ICC 500 storm shelter design review (if included) (~14d)
    Washington recommends but does not mandate ICC 500 safe room. Designs reviewed against ICC 500-2020 standard; rebar schedule, slab and roof reinforcement, FEMA P-320/P-361 sample drawings frequently used.
  5. Building permit submittal - City Hall counter or email (~5d)
    Submit plans (architect or engineer seal required), Manual J energy compliance, electrical load letter from Ameren Illinois, septic capacity letter from Tazewell County Health if outside city sewer service.
  6. Plan review (Building, Fire, Public Works) (~25d)
    Concurrent across three divisions. Washington Fire Protection District checks egress and ladder access; Public Works checks water/sewer tap capacity.
  7. Permit issuance and fee payment (~5d)
    Permit issues upon plan-review approval and fee payment. Washington uses a reasonable valuation-based fee schedule.
  8. Construction inspections
    Footing, framing (with continuous load path verification - distinctive Washington requirement post-tornado), plumbing rough-in (IDPH-licensed), electrical, insulation, drywall, final.
  9. 911 address assignment + Certificate of Occupancy (~7d)
    Tazewell County 911 office assigns a unique address to the ADU (matches county rule for unincorporated parcels; Washington follows the same practice for clarity). Final Building inspection issues CO.

Viability (permitted uses)

  • Long-term rental: yes (Default Illinois landlord-tenant law (765 ILCS 705)) Long-term rental permitted; no city rental-registration program found.
  • Short-term rental: with-restrictions (Washington Municipal Code business-license + Illinois Hotel Operators Tax) STR market draws from Caterpillar (Peoria HQ) corporate visitors and Mackinaw River recreation. Washington has not adopted a separate STR-specific ordinance.
    • City business license required
    • Illinois Hotel Operators Occupation Tax (state)
    • Tazewell County tourism / lodging tax may apply
  • Office rental: no Title 11 zoning limits residential ADU to dwelling use.
  • Home office: yes Home occupation permitted under Title 11 with restrictions on signage and customer traffic.
  • Studio / workshop: yes Personal artist/workshop is a permitted accessory residential use.
  • Agriculture: with-restrictions Backyard chickens permitted with city limit on number; no livestock in R-1/R-2.
  • Relative support: yes Multigenerational ADU explicitly favored in PZC findings; aligns with Tazewell County's owner-occupancy + related-party rule.

Incentives

  • FEMA Hazard Mitigation Grant Program (HMGP) - storm shelter cost share — Illinois Emergency Management Agency periodically opens HMGP rounds offering up to 75% cost share on residential safe rooms in declared-disaster counties (Tazewell qualifies post-2013). When active, can offset $4,000-6,000 of ICC 500 shelter cost on an ADU rebuild.
  • Washington post-tornado expedited-review precedent — Building Inspection retains an established expedited-review track for footprint-matching rebuilds; though designed for tornado-displaced families, the workflow improvements benefit all residential applicants including new ADU work.

Contacts

Staff: Washington Planning & Zoning Commission (Accessory-use and special-use review), Washington Fire Protection District (Egress + ladder-access review), Tazewell County Department of Community Development (Pekin) (Unincorporated zoning and county-wide subdivision review), Tazewell County 911 Coordinator (Address assignment for new dwelling units (including ADUs))

Utilities

  • Water: Illinois American Water - Washington System (formerly Washington Water Department) · 21d connect · $3,500
  • Sewer: City of Washington Wastewater Department (Mackinaw River discharge WWTP) · 28d connect · $4,800
  • Electric: Ameren Illinois · 25d connect · $1,700
  • Gas: Ameren Illinois (natural gas) · 28d connect · $1,300

Property values & taxes

Median value$218,000
Median tax$4,690/yr
Effective rate2.1%

Market rent by ADU size

Sq ftRent
350$825/mo
575$1,085/mo
800$1,290/mo

Construction timeline

Detached build22 weeks
Conversion12 weeks
Contractor lead3 months

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

Washington has the deepest residential-builder bench in central IL post-2013-rebuild; lead times are shorter than Springfield or Morgan County despite tornado-zone construction premium. Winter shutdown still applies but hardened framing is muscle memory.

Modular pathway Illinois Manufactured Building Program (Capital Development Board) · inspectors are regular with modular · 4 modular permits (last 24mo)

Post-2013 rebuilt subdivisions (Devonshire, Northwoods) accept 14-ft modules with crane setup; older blocks near Washington Square have narrower right-of-way and may limit to 12 ft. I-74 / I-155 corridor adequate for module transport.

Financing

Typical HELOC8.5%
Cash-out refi avg7.4%
Fannie Mae ADUeligible

State ADU loans:

Insurance impact

Annual premium delta$540
Landlord policyrecommended
Umbrella threshold$1M umbrella when LT renting; $2M when STR-renting given tornado history

Carrier underwriters apply tornado-zone surcharge unique to Washington post-2013. Engineered framing + ICC 500 shelter materially reduce premium with most carriers (State Farm Bloomington-headquartered, COUNTRY Financial, Pekin Insurance offer documented credits).

HOA prevalence & preemption

% parcels under HOA38%
State HOA preemptionno
Preemption citationIllinois has no HOA-ADU preemption

Devonshire, Northwoods, Trails Edge subdivisions are HOA-governed; older central blocks east of Washington Square are fee-simple. Post-2013 rebuilds in HOA subdivisions standardized covenants but most do not specifically prohibit ADUs.

Regulatory overlays (3)

  • tornado-zone — Entire city - Washington was struck by EF-4 tornado 2013-11-17; ASCE 7-22 tornado loading applies; FEMA-declared disaster county · +14d · +6% cost
    Engineered framing with continuous load path is Washington Building Inspection's standard practice. ICC 500 storm shelter recommended on every new ADU; FEMA HMGP cost-share occasionally available. Distinguishing feature versus all other IL cities. (map)
  • flood-zone — FEMA SFHA Zone AE along Farm Creek, Mackinaw River; X-shaded around the Washington/East Peoria boundary · +14d · +7% cost
    Most of central Washington sits on prairie upland with limited SFHA exposure. Mackinaw River corridor on east edge has Zone AE. (map)
  • rebuild-zone — Devonshire, Northwoods, Westwood, and Trails Edge subdivisions - 2013 tornado rebuild zones
    Post-tornado rebuild areas have updated infrastructure (new water/sewer mains, sidewalks, electric service); ADU work in these subdivisions enjoys reduced utility-tap costs and faster permits compared to older parts of the city. (map)
Technical envelope (climate & building code)

Climate & energy code

IECC climate zone5A
Heating degree days5,800
Cooling degree days1,100
Frost depth36"
Design snow load25 psf
Wind design speed115 mph
Seismic design cat.B
Annual rainfall38"
Wildfire exposurelow
Energy codeIECC
Version / adopted2021 / 2023-01-01

Building code

Base codeIRC
Version year2,021
Adopted2023-01-01
Fire sprinklernone
Egress window5.7 sqft min
Min ceiling7 ft
Attic R-valueR-49 min
Wall R-valueR-20 min

Amendments:

Contractor market (aggregate)

Licensed residential GCs165
ADU-specialist GCs14
Laborer median wage$27/hr
Illinois state — ADU law and programs

State financing programs

Illinois does not operate an ADU-specific statewide loan, grant, or forgivable-loan program. The Illinois Housing Development Authority (IHDA) is the state's housing finance agency and administers a robust portfolio of homebuyer products: Access Forgivable, Access Deferred, Access Repayable down-payment-assistance variants, the IHDA Mortgage first-mortgage product, and the federal Low-Income Housing Tax Credit allocation. The 2025 IHDA Access Home program offers DPA equal to 6% of purchase price up to $15,000. None target ADU construction directly; an ADU-bearing primary residence on an Illinois lot can qualify for the underlying mortgage when other criteria are met.

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

  • 61571

Post Office

  • 106 S High St, 61571