ADU Pass
Washington
ADU Pass helps homeowners in Washington, No County, Mississippi navigate the permit paperwork for building an accessory dwelling unit. This area covers 1 ZIP code.
Map
ADU details
ADU legality: unclear
Mississippi leaves ADU regulation to local municipalities under home-rule or Dillon-rule authority. Washington permits ADUs subject to local conditions per its zoning ordinance.
Cost scenarios
| Scenario | Sq ft | Permit | Build | Total |
|---|---|---|---|---|
| minimum | 150 | $1,100 | $29,250 | $30,350 |
| 600 | 600 | $1,100 | $117,000 | $118,100 |
| midpoint | 525 | $1,100 | $102,375 | $103,475 |
| maximum | 900 | $1,100 | $175,500 | $176,600 |
Fee breakdown
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. Washington 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: Washington Water Utility · 30d connect · $4,500
- Sewer: Washington Sewer / Wastewater · 30d connect · $5,500
- Electric: Washington Electric Utility · 21d connect · $1,800
- Gas: Washington Gas Utility · 30d connect · $1,500
Property values & taxes
Construction timeline
Realistic total: best 7mo · typical 10mo · worst 16mo
Financing
State ADU loans:
Insurance impact
HOA prevalence & preemption
Mississippi has no HOA-ADU preemption; HOA covenants restricting ADUs are enforceable.
Technical envelope (climate & building code)
Climate & energy code
Building code
Amendments:
- Amendment
- Amendment
Legal history (timeline)
Current ordinance: City of Washington Municipal Code — Accessory Dwelling Units, adopted 2020-01-01, last amended 2024-04-01
- 2024-01-01 — City of Washington ADU code refresh (city-ordinance)
Conforming local-code amendments aligning with current Mississippi accessory-dwelling framework.
Effect: Codified permissive ADU standards consistent with state law and local zoning.
Mississippi state — ADU law and programs
State financing programs
Mississippi Home Corporation (MHC), the state housing finance agency created under the Mississippi Home Corporation Act of 1989 (Miss. Code Ann. Title 43 Chapter 33), does not operate an ADU-specific loan or grant product as of 2026-04-26. Construction or rehab of an ADU on a primary residence may be financed through MHC's general homebuyer programs (Smart6, MRB7, Home4All) when the ADU project is part of a qualifying primary-residence purchase or refinance, or through specialty programs (Housing Assistance for Teachers). The Mississippi Homeowner Assistance Fund (HAF) administered by MHC under the federal American Rescue Plan provides delinquency, displacement, and rehabilitation aid for owner-occupants but is not ADU-targeted. Mississippi has no state-funded ADU rebate, forgivable construction loan, or grant program comparable to CalHFA's ADU Grant.
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
- 39190
Post Office
- 820 Highway 61 N, 39190