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.
Map
ADU details
ADU legality: with-restrictions
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
| Scenario | Sq ft | Permit | Build | Total |
|---|---|---|---|---|
| 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)
Permitting process
- 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. - 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. - 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. - 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. - 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. - 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. - Permit issuance and fee payment (~5d)
Permit issues upon plan-review approval and fee payment. Washington uses a reasonable valuation-based fee schedule. - Construction inspections
Footing, framing (with continuous load path verification - distinctive Washington requirement post-tornado), plumbing rough-in (IDPH-licensed), electrical, insulation, drywall, final. - 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
Market rent by ADU size
| Sq ft | Rent |
|---|---|
| 350 | $825/mo |
| 575 | $1,085/mo |
| 800 | $1,290/mo |
Construction timeline
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
State ADU loans:
- IHDA Smart Move Mortgage (Illinois Housing Development Authority)
- FEMA Hazard Mitigation Grant Program (HMGP) - safe room cost share (FEMA via Illinois Emergency Management Agency) up to $5,000
Insurance impact
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
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
Building code
Amendments:
- Washington post-tornado engineered-framing standard practice — Continuous load path, hold-down hardware, hurricane clips, structured nail schedule per ASCE 7-22 tornado-zone provisions; informally codified in Washington Building Inspection plan-review checklists since 2014.
- ICC 500-2020 Storm Shelter Standard - Washington recommended-practice — Recommended (not mandated) on every new dwelling. Plan reviewers conversant with the standard.
- Illinois Plumbing Code (77 Ill Adm Code 890) — Mandatory; supersedes IPC.
- Illinois state amendment to IRC R313 - residential sprinkler removed — No residential fire sprinkler mandate.
Contractor market (aggregate)
Legal history (timeline)
Current ordinance: Washington Municipal Code Title 11 Zoning + post-tornado building amendments, adopted 1980-01-01, last amended 2024-04-01
- 1825-01-01 — Washington platted as town (other)
Washington platted in 1825 along the Peoria-Bloomington stage road; named for George Washington. Original town square at Washington Street and Main Street.
Effect: Established the historic Washington Square commercial center; original residential blocks east and south of the square remain low-density residential favorable to coach-house redevelopment. - 2013-11-17 — EF-4 tornado strikes Washington (other)
EF-4 tornado entered Washington at 11:00 AM local time on Nov 17, 2013, destroying 633 homes, 7 businesses/apartment buildings, 2,500 vehicles. Total damage $800M.
Effect: Triggered an unprecedented residential rebuild: 481 residential rebuild permits + 92 tornado-related (roofing, garages, repairs) = 894 permits issued over 2 years. Reshaped Devonshire, Northwoods, Westwood, and Trails Edge subdivisions. Established Washington Building Inspection as one of central IL's most experienced rapid-permit operations. - 2014-04-01 — Washington post-tornado rebuilding ordinance amendments (city-ordinance)
City Council adopted streamlined permitting and engineered-framing standards for tornado-zone reconstruction.
Effect: Storm shelter / safe room incentive (1-in-20 Washington homes rebuilt with 18-inch reinforced concrete safe rooms in basement). Rebuild-permit fees reduced; expedited plan review for matching pre-tornado footprints. - 2023-08-01 — Tazewell County Title 7 Chapter 1 Zoning Code update (city-ordinance)
Tazewell County District Regulations updated; codified the explicit ADU framework (350-800 sqft, owner-occupancy, related-party only, separate 911 address) for unincorporated parcels.
Effect: Provides Washington-area unincorporated parcels with the clearest ADU rules in central IL; informally referenced by Washington city staff as a benchmark.
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