ADU Pass
Starkville
Oktibbeha County portion
Also in: No County
ADU Pass helps homeowners in Starkville, Oktibbeha County, Mississippi navigate the permit paperwork for building an accessory dwelling unit. This area covers 1 ZIP code.
Map
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
- 39759
Post Office
- 822 Taylor St, 39759