Geyser
ADU Pass helps homeowners in Geyser, Judith Basin County, Montana navigate the permit paperwork for building an accessory dwelling unit. This area covers 1 ZIP code.
Map
Judith Basin County — county ADU rules and overlays
County ADU ordinance
Judith Basin County (Stanford county seat; central Montana prairie between Great Falls and Lewistown; ~1,990 residents across 1,870 sq mi; one of Montana's smallest-population counties; ranching, dryland wheat, and outfitter economy with the Highwood Mountains on the northwestern margin and Square Butte (a prominent volcanic plug visible across the central plains) as the county's signature landform; the Lewis & Clark Trail crosses the northern county along the Judith River; minimal county-side zoning) does not maintain a comprehensive countywide zoning code. Judith Basin County operates under the Montana Subdivision and Platting Act (MCA Title 76 Ch. 3) and state building code (IRC 2018, administered by the Montana Department of Labor & Industry, Building Codes Bureau). Incorporated municipalities include Stanford (~410 residents, county seat) and Hobson (~190); both are subject to Montana SB 528 (2023, Mont. Code Ann. § 76-2-345) ADU preemption inside their town limits. SB 528 applies to ALL incorporated Montana cities (NOT population-gated per the Montana AG interpretation underlying the MT-CW2 finding). At the COUNTY tier, SB 528 is municipal-only and does NOT reach unincorporated county land. Census-designated places include Buffalo, Geyser, Moccasin, and Raynesford - all unincorporated rural prairie communities along US-87 and MT-200. The county's economic base is ranching (cow-calf, sheep), dryland wheat farming, and outfitter / hunting operations - elk hunting in the Highwood and Little Belt foothills draws sustained shoulder-season tourism.
State-floor overlay: Montana SB 528 establishes a state ADU floor for incorporated Montana cities; Stanford and Hobson are squarely subject inside their town limits. SB 528 does NOT extend to unincorporated Judith Basin County. ADU permissibility on unincorporated parcels is determined by state-level oversight only (no county zoning).
County regulatory overlays
Judith Basin County's overlay landscape is light, reflecting the county's small population and prairie-dominated geography: (1) FEMA NFIP floodplain along the Judith River (the central county spine), Belt Creek, Wolf Creek, and Surprise Creek. (2) Wildland-Urban Interface in the Highwood Mountains (northwestern margin) and the Little Belt Mountains foothills (southern margin) - both BLM/USFS-administered with adjacent private inholdings. (3) Lewis & Clark National Historic Trail corridor along the Judith River - federal cultural-landscape recognition with no direct land-use authority but Section 106 review applies to federally-financed adjacent projects. (4) Square Butte and the Highwood Mountains scenic / volcanic geological overlay - BLM-managed with WSA-style sensitivity and adjacent ranchland. (5) Charles M. Russell Wildlife Refuge does NOT cover Judith Basin (it's in Phillips/Petroleum/Garfield counties downriver) but the broader CMR scenic-cultural corridor along the Missouri River breaks influences central-Montana tourism positioning.
- FEMA NFIP Special Flood Hazard Areas - Judith River, Belt Creek, Wolf Creek, Surprise Creek — Spring snowmelt and ice-jam events drive flooding peaks. The Judith River and Belt Creek corridors are sparsely developed with low-intensity ranchland - SFHA compliance burden is modest. ADU elevation cost where applicable runs $10,000-$25,000 (lower than higher-density Helena/Bozeman markets due to smaller foundation footprints).
- Wildland-Urban Interface - Highwood Mountains, Little Belt Mountains foothills, Lewis & Clark NF — Voluntary Firewise USA participation is light. Insurance markets are stable for prairie parcels and modestly tightening for foothill parcels. Most ranchland carries grass-fire risk rather than forest-fire risk; insurance pricing reflects this.
- Lewis & Clark National Historic Trail (Judith River corridor); scattered NRHP-listed ranch and mining structures — ADU work on NRHP-listed contributing properties triggers SHPO consultation only if federal financing or permitting (FHA, USDA RD) is involved. Yogo sapphires (the only sapphire deposit in the world that produces gem-quality untreated cornflower-blue sapphires) are mined adjacent to the southern county margin in the Little Belt Mountains; mining-claim adjacency considerations apply.
- Square Butte and Highwood Mountains scenic / volcanic geological overlay — Square Butte is one of the most recognized landmarks of central Montana. ADU positioning with view-of-Square-Butte amenities can command modest STR / scenic-rental premium. Federal inholdings near the Highwood / Little Belt boundaries can face Section 7 ESA consultation timelines for federally-financed projects.
County permitting (unincorporated parcels)
Judith Basin County issues no countywide building permits for residential construction in unincorporated areas. Like most rural central Montana prairie counties without a full county building department, building-code enforcement is delegated to the State of Montana (Department of Labor & Industry, Building Codes Bureau) only for certain commercial or state-jurisdiction projects. Single-family residences and ADUs in unincorporated Judith Basin County are typically constructed without municipal-style plan review. State-level oversight applies to on-site septic (DEQ Subdivision review for parcels created after 1973) and well construction (DNRC water rights). Floodplain development requires a permit through the county floodplain administrator under MCA Title 76 Ch. 5 - applicable along the Judith River, Belt Creek, and other regulated waters. Stanford and Hobson operate their own town permitting processes inside their limits. Judith Basin County is in IECC climate zone 6B; valley-floor parcels (Stanford, Hobson, US-87 corridor) carry ground snow loads 30-50 psf; the Highwood Mountains and Little Belt Mountains foothills run 60-90+ psf. SB 528 is municipal-only at the county tier - it does NOT reach unincorporated county land.
Montana state — ADU law and programs
State ADU law
Montana has enacted strong statewide ADU preemption through Senate Bill 528 (2023), codified at Mont. Code Ann. § 76-2-345. SB 528 is part of the 2023 'Montana Miracle' housing reform package (also including SB 323 duplex preemption and SB 245 commercial-zone multifamily). SB 528 requires every Montana city to allow at least one ADU by right on any lot containing a single-family dwelling, with size capped at the lesser of 1,000 sq ft or the floor area of the primary dwelling. ADUs may be attached, detached, or internal. Cities are prohibited from requiring additional parking, fees, design-match to the primary dwelling, owner-occupancy, occupant-relationship limits, or impact fees specifically for ADUs. ADUs must still meet building, fire, and public-health codes. Effective 2024-01-01. The Montana Supreme Court (September 2024) lifted a Gallatin County district-court injunction obtained by Montanans Against Irresponsible Densification (MAID), allowing the law to take effect; a Daily Montanan March 2025 ruling confirmed the affordable-housing bills are a 'legitimate government concern.' The 2025 session continued the reform trajectory (HB 533 wildfire-insurance transparency); no rollback bills have advanced as of 2026-04-26.
State HOA preemption
Montana's HOA statute Mont. Code Ann. § 70-17-901 (https://mca.legmt.gov/bills/mca/title_0700/chapter_0170/part_0090/section_0010/0700-0170-0090-0010.html) prohibits an HOA from adopting or enforcing a covenant amendment that imposes more onerous use restrictions than those in place when a member acquired their interest, unless the affected member consents in writing. After 2019-05-09, an HOA also may not enforce a covenant in a way that limits uses that were allowed when the member acquired the property. This is a one-way ratchet protecting existing uses, not an affirmative ADU preemption: an HOA's pre-existing covenant prohibiting ADUs remains enforceable against owners who took title with that restriction in place. SB 528's text expressly addresses municipal zoning, not private covenants, and § 70-17-901(2) carves out covenants required to comply with applicable federal, state, and local laws — but a covenant banning ADUs is not 'required' by SB 528, so the carve-out does not flip pre-existing ADU bans. A homeowner subject to an HOA covenant prohibiting ADUs has no state-law remedy under current Montana law and must seek the consent or amendment process within the association.
State financing programs
Montana Board of Housing (MBOH) under the Montana Department of Commerce 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 MBOH's Regular Bond Loan Program (30-year, low-interest first mortgage geared to first-time buyers under income and purchase-price limits) or the Bond Advantage / MBOH Plus Down Payment Assistance Programs (up to 5% / $15,000 in DPA). All MBOH first-mortgage products require qualifying for an underlying FHA, VA, RD, or HUD-184 loan; an existing ADU on the property is generally permissible. The Department of Commerce's Coal Trust Multifamily Loan Program funds rental housing developments which can include ADU-style units in multi-unit projects but is not a homeowner-facing instrument.
State housing programs
Montana does not operate a statewide pre-approved ADU plan catalog as of 2026-04-26. The 2023 Montana Miracle reform package (SB 528, SB 323, SB 245, SB 382) established the country's most aggressive state preemption of single-family-only zoning, but did not pair the preemption with a state plan library, impact-fee waiver fund, or per-ADU rebate. SB 382 (the Montana Land Use Planning Act, https://archive.legmt.gov/bills/2023/BillPdf/SB0382.pdf) restructures comprehensive-planning requirements for cities of 5,000+ residents toward a more streamlined, plan-then-permit model. Implementation by the Department of Commerce and the Department of Environmental Quality continues; the DEQ Energy Code office published an ADU best-practices guide in fall 2023.
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
- 59447
Post Office
- 110 E Hill Ave, 59447