Oldtown

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

1 ZIP code
Allegany County — county ADU rules and overlays

County ADU ordinance

Allegany County (Western Maryland, county seat Cumberland, ~65,000 residents; Appalachian Plateau in the upper Potomac watershed) regulates land use through the Allegany County Code Chapter 360 (Land Development), Part 4 (Zoning, Articles XIII through XXII), originally adopted by the Board of County Commissioners 9-25-1981, effective 10-26-1981 (Ch. 141 of the 1984 Code). Accessory dwelling units are governed by a discrete code section — Chapter 360, Article XVI (Supplementary Use Regulations), § 360-87 (Accessory dwelling units) — with the cross-cutting accessory-structure setback and yard rules in Chapter 360, Article XVIII, § 360-129. Allegany County is one of only a handful of Maryland counties that does NOT impose countywide zoning on every unincorporated parcel; outside the limited zoned districts, agricultural and forested parcels are subject to building, floodplain, sediment-and-erosion, and stormwater regulation but not use-district zoning. The separately-mapped LaVale Zoning District (unincorporated, west of Cumberland) is the legacy LaVale Zoning Ordinance carried forward by Allegany County Code Chapter 131 — administered by Allegany County in the same manner as Ch. 360 Part 4. The City of Cumberland (county seat, ~20,000 residents), the City of Frostburg (~8,500 residents), the Town of Westernport, the Town of Lonaconing, the Town of Luke, the Town of Midland, and the Town of Barton operate their own municipal zoning codes; the county code does not reach inside their corporate limits. Maryland's statewide ADU preemption — HB 1466 / SB 891 (2025), effective 2025-10-01 with a 2026-10-01 local-compliance deadline — establishes a state ADU floor that Chapter 360 § 360-87 must conform to.

State-floor overlay: Maryland HB 1466 / SB 891 (2025) establishes a state ADU floor: counties and municipalities cannot prohibit or unreasonably restrict ADUs on lots with a primary single-family-detached dwelling, and the unit may not exceed 75% of the primary dwelling's size. Allegany County Chapter 360 § 360-87 must conform by 2026-10-01.

County regulatory overlays

Allegany County is a non-coastal, mountainous Appalachian-Plateau county. The most consequential ADU overlay regulation is the FEMA NFIP floodplain administered by the county under Chapter 325 (Floodplain Management) — the Potomac River and its tributaries (Wills Creek, Evitts Creek, Georges Creek) cut through the central county and produce mapped Special Flood Hazard Areas along the river corridors and in downtown Cumberland (Cumberland experienced a catastrophic 1936 flood; floodwall infrastructure was completed 1959). The Chesapeake Bay Critical Area does NOT apply (Allegany County is upstream of tidal water). Allegany County is NOT in California's coastal-commission regime (irrelevant) and does NOT have a state-administered coastal zone. Wildland-fire risk is moderate (substantial state and federal forest land — Green Ridge State Forest, Savage River State Forest, portions of the Potomac State Forest, plus C&O Canal NHP); no county-administered WUI overlay analogous to California's State Responsibility Areas, but Maryland Department of Natural Resources Forest Service issues open-burning advisories and the county's Building Code (Ch. 255) regulates construction in interface areas through fire-resistance assemblies in the IRC. Historic-district overlays exist within incorporated Cumberland (Downtown Cumberland Historic District; Washington Street Historic District), but those are city-administered, not county-administered. The County participates in the National Flood Insurance Program; CRS class status should be confirmed at intake.

County permitting (unincorporated parcels)

Allegany County issues residential building permits for parcels in unincorporated territory through a combined Building Permit + Land-Use Permit process administered by the Allegany County Department of Community Services, Planning & Zoning Division. As stated on the county's Building Permits page: 'Within the jurisdiction of Allegany County, Unincorporated, a Building Permit is always combined with the Land Use Permit.' Beginning 2025-01-01, all Building and Land-Use permit applications are submitted online through Cloudpermit (https://us.cloudpermit.com/login). The Building Permit governs Maryland Building Performance Standards (currently adopting the 2006 IBC / 2006 IRC with state and local amendments, codified as Allegany County Code § 255 — the 2007 Building Code of Allegany County); the Land-Use Permit governs structural placement, ground grading, and environmental concerns. Allegany County does NOT employ in-house building inspectors — 'inspections are conducted by private, third party inspection agencies,' arranged and paid for by the applicant or contractor. This is unusual for Maryland and shifts inspection cost and scheduling outside the county fee schedule. ADU plan review is processed as a residential building permit with a zoning-compliance check under Chapter 360 § 360-87 (for parcels in a zoning district) or as a building-only permit for parcels outside any zoning district. On-site sewage (OSDS) permits for non-sewered parcels are issued by the Allegany County Health Department; this is the most common path for rural ADUs given the county's limited sewer reach (Cumberland, Frostburg, LaVale Sanitary District, and the corridors along US 220 and MD 36).

DepartmentAllegany County Department of Community Services, Planning & Zoning Division (Building Safety Office, Codes Office, GIS Office, Permits Office, Planning Office, Zoning Office)
Address701 Kelly Road, Cumberland, MD 21502
Phone301-777-2526
Maryland state — ADU law and programs

State ADU law

Maryland enacted statewide ADU preemption with the Accessory Dwelling Units Act of 2025 — HB 1466 / SB 891 (cross-filed) — passed by the General Assembly in the 2025 Regular Session and effective 2025-10-01. Counties and municipalities with planning and zoning authority must adopt local laws compliant with the Act by 2026-10-01. The Act establishes that it is the policy of Maryland to promote and encourage ADU creation on land with a primary single-family detached dwelling. ADUs are defined as secondary units on the same lot/parcel/tract as a primary single-family detached dwelling, no greater than 75% of the size of the primary dwelling. Counties and municipalities cannot prohibit ADUs or impose unreasonable restrictions on their construction or rental. The 2025 ADU Act ALSO amends the Maryland HOA Act (Title 11B of the Real Property Article), prohibiting community associations from prohibiting or unreasonably restricting ADU construction and rental. The state has been preparing this framework since 2023 (SB 382 created the ADU Policy Task Force, which issued its final report 2024-05-31).

State HOA preemption

Maryland enacted HOA preemption for ADUs as part of the 2025 ADU Act. HB 1466 / SB 891 amended the Maryland Homeowners Association Act (Real Property Article, Title 11B), adding the ADU definition at §11B-101(a-1) and prohibiting HOAs from prohibiting or unreasonably restricting the construction or rental of ADUs on lots with primary single-family detached dwelling units. HOAs retain authority to (a) treat an ADU as a separate lot for voting and assessment purposes (optional, not required) and (b) impose reasonable design and architectural standards consistent with the community's overall character. The HOA preemption became effective 2025-10-01.

State financing programs

Maryland does not currently operate an ADU-specific statewide loan, grant, or forgivable-loan program tied to the 2025 ADU Act. The Maryland Department of Housing and Community Development (DHCD) administers a broad portfolio of homeownership, rental development, and home-repair financing — including the Maryland Mortgage Program, Settlement Downpayment Loan Program, Project Restore (commercial-to-residential conversions), and various Energy & Home Repair loan products. None target ADU construction directly, though Project Restore can fund ADU-like conversions, and the Energy & Home Repair Loan can fund ADU-related electrical, HVAC, and weatherization upgrades.

State housing programs

Maryland's primary state-level ADU program is the 2025 ADU Act framework: statewide preemption requiring local jurisdictions to adopt compliant ordinances by 2026-10-01, including HOA preemption. The Maryland Department of Planning maintains an ADU resource hub with technical assistance for local governments. Maryland does not currently operate a statewide pre-approved ADU plan catalog, an ADU rebate, or an impact-fee waiver statute, but the local-compliance window through 2026-10-01 is expected to produce additional ADU-specific incentive programs.

  • ADU Act 2025 Statewide Floor (HB 1466 / SB 891) — Counties and municipalities with planning/zoning authority must adopt compliant ordinances by 2026-10-01, allowing ADUs on every single-family-detached lot at up to 75% of primary dwelling size. Bars prohibitions and unreasonable restrictions. Includes HOA preemption.
  • Maryland Department of Planning ADU Resource Hub — Resource hub with model ordinances, FAQs for local governments (HB 1466 FAQ), task-force final report, and statewide ADU ordinance inventory.
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

  • 21555

Post Office

  • 19104 Opessa St SE, 21555