Olivette

ADU Pass helps homeowners in Olivette — a USPS locale inside Saint Louis, St. Louis County, Missouri — navigate the permit paperwork for building an accessory dwelling unit. This locale covers 1 ZIP code.

1 ZIP code
Saint Louis County — county ADU rules and overlays

County ADU ordinance

St. Louis County, MO (987,000 residents in suburban St. Louis - distinct from the City of St. Louis which is a separate independent jurisdiction) administers the St. Louis County Zoning Ordinance for unincorporated territory. The county includes 88 incorporated municipalities (a notably high number); each sets its own ADU rules. Unincorporated pockets are scattered throughout.

State-floor overlay: Missouri has not enacted statewide ADU preemption.

County regulatory overlays

Saint Louis County administers flood-hazard, and (where mapped) coastal, wildland-fire, historic, and airport overlays that shape ADU project feasibility. The most consistent overlay across the county is FEMA NFIP floodplain regulation; other overlays apply to specific geographies inside the county.

County permitting (unincorporated parcels)

Saint Louis County issues building permits for parcels in unincorporated territory through its development services / planning department, with separate review tracks for zoning conformance, building-code compliance, on-site sewage where applicable, floodplain compliance, and addressing. Inside incorporated municipalities, city departments handle their own permits; the county's authority is geographically limited to unincorporated territory. An ADU permit application is typically processed as a residential building permit with a zoning verification step against the county's ordinance for the parcel's zoning district.

DepartmentSaint Louis County Development Services / Planning Department
Missouri state — ADU law and programs

State financing programs

Missouri Housing Development Commission (MHDC), the state housing finance agency under the Department of Economic Development, 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 indirectly through MHDC's First Place Program (first-time-homebuyer mortgage with below-market rate) or Next Step Program (mortgage paired with a forgivable second of up to 4% of loan amount). Both are mortgage-purchase products and require the property to be the borrower's primary residence; an existing ADU on the property is permitted under standard agency guidelines. MHDC also administers Low-Income Housing Tax Credits, the Affordable Housing Assistance Program (AHAP) tax credit, and federal HOME funds — none of which is a homeowner-facing ADU instrument.

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

  • 63132

Post Office

  • 9621 Olive Blvd, 63132