Albion

ADU Pass helps homeowners in Albion, Providence County, Rhode Island navigate the permit paperwork for building an accessory dwelling unit. This area covers 1 ZIP code.

1 ZIP code

ADU details

ADU legality: allowed

Stateallowed (Rhode Island accessory-dwelling framework (RIGL 45-24-37(j) and 45-24-73 as enacted by H 7062 / S 2998 in 2024)) — All 39 Rhode Island cities and towns must permit ADUs by-right on owner-occupied 1-3 family residential lots after the 2024 enabling statute. There is no unincorporated territory in RI; every acre is within a municipality. RIGL 45-24-73 preempts conflicting local restrictions. Rhode Island counties have no government function (judicial geography only since 1846). Albion is a village within the Town of Lincoln so Lincoln town zoning governs.
Countyallowed (Providence County (no county government - administered by the Town of Lincoln within Albion's boundary)) — Rhode Island counties exist only as judicial divisions (Providence County Superior Court). There is no county zoning, no county building department, no county legislature. Within the Albion village (a fragment of the Town of Lincoln) the Lincoln town ordinance and state law are controlling.
Cityallowed (Town of Lincoln Code Chapter 260 (Zoning) - Accessory Family Dwelling Units (Article XV)) — Albion is one of the seven historic mill villages of the Town of Lincoln (along with Manville, Lonsdale, Saylesville, Quinnville, Fairlawn, and Lime Rock). The Town of Lincoln Code Chapter 260 governs all Albion-village parcels under by-right ADU treatment per Ord. 2023-12 conforming to RIGL 45-24-37(j). Russell Hervieux serves as the Town of Lincoln Building Official.

Rhode Island state-law preemption combined with Lincoln's 2023 conforming ordinance permits ADUs by-right on owner-occupied lots in Albion. The Albion Mill Historic District (NRHP-listed) overlay triggers Architectural Review Board review for properties within or adjacent to the village mill core, but cannot categorically prohibit ADUs.

Cost scenarios

ScenarioSq ft PermitBuildTotal
minimum 150 $2,600 $41,850 $44,450
600 600 $2,600 $167,400 $170,000
midpoint 675 $2,600 $188,325 $190,925
maximum 1,200 $2,600 $334,800 $337,400
Fee breakdown (as of 2026-04)
Building permit$1,500
Total$1,500

Permitting process

Typical duration50 days
Backlog18 days
  1. Confirm Albion village parcel zoning under Lincoln Chapter 260 (~3d)
    Verify Albion-village lot zoning (typically RA or RS residential, with the Albion mill core in mixed business/residential overlay). Lincoln Chapter 260 Article XV controls accessory family dwelling unit standards as updated by Ord. 2023-12. Albion's typical 50x100 mill-village lots may not accommodate the 5-foot side and 10-foot rear setbacks of a detached unit; conversion of existing accessory structures (carriage houses, detached garages) is the more common pathway.
  2. Pre-application meeting with Lincoln Planning Department (~7d)
    Recommended in-person or phone meeting at Lincoln Town Hall, 100 Old River Road, with Planning Department staff. Strongly recommended for any work in the Albion Mill Historic District (NRHP-listed) or for any project requiring a dimensional variance.
  3. Submit building permit application via permits.ri.gov (~1d)
    Lincoln onboarded to the RI Statewide E-Permitting Portal (permits.ri.gov) on 2017-10-23. Albion-village applicants submit through the state portal rather than at the Town Hall counter. Building Official Russell Hervieux (rhervieux@lincolnri.org / 401-333-8430) issues all Albion-village permits.
  4. Pawtucket Water Supply Board (PWSB) tap-fee verification (~14d)
    Albion is in PWSB's water-service territory. Any new tap or service upsize is processed by PWSB at 401-729-5000. Separate water meter is not required for an ADU on the same parcel.
  5. Sewer-versus-septic determination (~21d)
    Much of Albion north of the Blackstone River is on private septic regulated by RIDEM ISDS rules. An additional bedroom (which an ADU adds) requires a RIDEM-certified septic designer and an OWTS permit. The portion of Albion served by Lincoln town sewer requires Lincoln DPW signoff.
  6. Plan review by Lincoln Building Official (~18d)
    Combined building/electrical/plumbing/mechanical plan review by Building Official Russell Hervieux against IRC 2018 with RI amendments. RI removed the IRC R313 residential sprinkler mandate, so detached ADUs do not need NFPA 13D.
  7. Albion Historic District Commission review (if applicable) (~30d)
    Properties within or adjacent to the Albion Mill Historic District (NRHP-listed) require Lincoln HDC review for exterior changes visible from the public way. The HDC cannot categorically prohibit ADUs but may condition approval on materials, fenestration, and massing compatible with the village character.
  8. Required inspections
    Footing, foundation, framing, MEP rough, insulation, and final inspections are scheduled directly with the Lincoln Building Inspector via permits.ri.gov.
  9. Certificate of Occupancy (~5d)
    Issued by Lincoln Building Official Russell Hervieux upon final inspection pass. Standard CO fee $75.

Viability (permitted uses)

  • Long-term rental: yes Long-term rental of an Albion-village ADU is permitted as of right under Lincoln Chapter 260 conforming to RIGL 45-24-37(j). RI owner-occupancy preemption (where applicable) makes the ADU eligible for full landlord-tenant treatment.
  • Short-term rental: with-restrictions STR rules vary by Lincoln town ordinance. Albion-village STRs are subject to the Town of Lincoln short-term rental ordinance and any private covenants on the parcel.
  • Office rental: with-restrictions Detached commercial office rental requires home occupation permit or rezoning under Lincoln Chapter 260.
  • Home office: yes Home occupation permitted under Lincoln Chapter 260 with restrictions on signage, customer traffic, and percentage of dwelling unit used.
  • Studio / workshop: yes Personal artist or workshop studio is a permitted accessory residential use in Lincoln residential districts.
  • Agriculture: with-restrictions Limited urban agriculture permitted in Lincoln residential districts; livestock varies by district. Albion's mill-village density limits practical agriculture to garden-scale uses.
  • Relative support: yes Family-occupancy ADU explicitly permitted under Lincoln Chapter 260; this was the original use case in pre-2024 RI ADU practice.

Contacts

DepartmentTown of Lincoln Building Inspection Division (Lincoln Town Hall, 100 Old River Road, Lincoln, RI 02865) - Albion is a mill village within the Town of Lincoln; all permits issue from the Lincoln Building Official

Utilities

  • Water: Pawtucket Water Supply Board (PWSB) - water service throughout Lincoln including Albion village · 21d connect · $4,500
  • Sewer: Lincoln Town DPW (limited Albion-area sewer envelope) or RIDEM ISDS septic for parcels outside the sewer envelope · 30d connect · $6,500
  • Electric: Rhode Island Energy · 14d connect · $1,800
  • Gas: Rhode Island Energy (gas) · 21d connect · $1,500

Property values & taxes

Median value$385,000
Median tax$5,200/yr
Effective rate1.4%

Construction timeline

Detached build24 weeks
Conversion12 weeks
Contractor lead4 months

Realistic total: best 7mo · typical 11mo · worst 17mo

Financing

Insurance impact

Annual premium delta$480
Landlord policyrecommended
Umbrella threshold$1M umbrella when renting

HOA prevalence & preemption

State HOA preemptionno

RIGL 45-24-73 voids HOA, condominium-association, or similar private-covenant restrictions on ADUs that conflict with the statute's ADU minimums. Albion's housing stock is dominated by 19th-century mill-worker housing with relatively few modern HOA-controlled subdivisions.

Regulatory overlays (2)

  • flood-zone
    Portions of Albion-village along the Blackstone River corridor are in FEMA Special Flood Hazard Areas; elevation certificates and flood-resistant construction required for SFHA parcels per FIRM panels for Lincoln, RI.
  • historic-district
    Albion Mill Historic District (NRHP-listed) covers the village mill core. Lincoln Historic District Commission review required for exterior changes; ADU massing/materials may be conditioned but not categorically denied.
Technical envelope (climate & building code)

Climate & energy code

IECC climate zone5A
Heating degree days5,800
Cooling degree days850
Frost depth30"
Design snow load30 psf
Wind design speed115 mph
Seismic design cat.B
Annual rainfall36"
Wildfire exposurelow
Energy codeIECC
Version / adopted2018 / 2020

Building code

Base codeIRC
Version year2,018
Adopted2020
Fire sprinklernone
Egress window5.7 sqft min
Min ceiling7 ft
Attic R-valueR-49 min
Wall R-valueR-20 min

Amendments:

  • Amendment
  • Amendment

Known issues (3)

  • issue
  • issue
  • issue
Rhode Island state — ADU law and programs

State ADU law

Rhode Island enacted statewide ADU preemption in 2024 through H 7062 (chief sponsor Rep. June Speakman and colleagues; co-sponsored in the Senate as S 2710), which amended the Zoning Enabling Act (Title 45, Chapter 24). Municipalities must permit ADUs by-right on any lot containing a single-family dwelling, subject only to uniform minimum standards set by the statute. One of the most ADU-friendly state statutes in the country as of 2025.

State HOA preemption

R.I.G.L. § 45-24-73 explicitly voids homeowners' association, condominium association, or similar private-covenant restrictions on ADUs when those restrictions conflict with the statute's ADU minimums. The preemption is framed as a public-policy void, meaning the offending covenant is unenforceable rather than simply regulated. Pre-existing ADU-friendly covenants remain valid (the statute only void conflicting restrictions). Applies to all common-interest communities governed by the Rhode Island Condominium Act (R.I.G.L. Title 34, Chapter 36) and Rhode Island Condominium Ownership Act (Title 34, Chapter 36.1), as well as HOAs in planned-community subdivisions.

  • R.I.G.L. § 45-24-73 (HOA preemption clause added by H 7062 (2024)) — Provides that private covenant restrictions imposed by condominium associations, homeowners' associations, or similar residential property governing bodies that conflict with the ADU provisions are void as against public policy. Drafted broadly — covers declarations, bylaws, rules and regulations, and recorded covenants.

State financing programs

RIHousing, the state's housing finance agency, operates an ADU financing program built around the FHA 203(k) loan product. Covers attached and interior ADUs for both purchase and refinance. Detached ADUs are NOT eligible. Requires mandatory homebuyer education, use of an FHA-approved 203(k) consultant, and a RI licensed and insured contractor. No state-specific grant program for ADUs is in effect as of 2026-04-21; the federal 203(k) rails are the production vehicle.

State housing programs

Rhode Island does not currently operate a single statewide pre-approved-ADU-plan catalog (as California's CalHFA and Washington's Commerce plan libraries). Implementation of the 2024 ADU law is happening municipality-by-municipality, with the Executive Office of Housing (EOH) coordinating technical assistance. Providence published a citywide ADU Guide (February 2025) as the leading model; East Providence adopted a conforming ordinance in 2024; South Kingstown published regulations in 2024. RIHousing runs the ADU financing side (see stateFinancing).

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

  • 02802

Post Office

  • 15 School St, 02802