Chepachet

ADU Pass helps homeowners in Chepachet, 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)) — RI 2024 ADU enabling statute requires every city and town to permit ADUs by-right on owner-occupied 1-3 family lots with administrative review only. RIGL 45-24-73 preempts conflicting local restrictions. RI counties have no government function. Chepachet is the central village of the Town of Glocester (the rural northwest corner of Providence County).
Countyallowed (Providence County (no county government)) — Providence County exists only as a judicial geography. The Town of Glocester is the permitting authority for the Chepachet village core.
Cityallowed (Town of Glocester Code Chapter 350 (Zoning) Article VII Section 350-49 (Accessory Dwelling Units)) — Glocester Chapter 350 Section 350-49 permits ADUs at up to 60% of the primary home size. Dennis Begin serves as the Glocester Building/Zoning Official (401-568-6206 ext. 1). The Town Hall is at 1145 Putnam Pike (Route 44) in Chepachet village. Chapter 145 of the Glocester Code governs building permits.

Glocester's pre-existing ADU framework already met or exceeded the 2024 RI state-law floor. The binding practical constraint on most Chepachet-area parcels is RIDEM ISDS septic approval for additional bedrooms (virtually no parcels are on municipal sewer) and private-well capacity, not the local zoning text.

Cost scenarios

ScenarioSq ft PermitBuildTotal
minimum 150 $2,600 $38,700 $41,300
600 600 $2,600 $154,800 $157,400
midpoint 675 $2,600 $174,150 $176,750
maximum 1,200 $2,600 $309,600 $312,200
Fee breakdown (as of 2026-04)
Building permit$1,200
Total$1,200

Permitting process

Typical duration60 days
Backlog21 days
  1. Confirm Glocester Chapter 350 zoning of Chepachet-area lot (~5d)
    Verify zoning under Glocester Code Chapter 350. Most of Chepachet is RR (Rural Residential) with the village core in mixed business/residential overlay. RR district minimum lot size is 80,000 sf with on-site water and septic. Section 350-49 governs ADUs at up to 60% of primary home size. An accessory structure may cover up to 25% of side or rear yard area but no closer than 10 feet to a lot line.
  2. RIDEM ISDS (On-Site Wastewater Treatment System) review (~90d)
    Chepachet is almost entirely on private wells and septic. An additional bedroom (which an ADU adds) requires a RIDEM-certified septic designer and an OWTS permit, often the longest-pole step at 60-120 days. Engineered septic system design typically $3,000-$8,000; full system installation $25,000-$60,000 depending on soil testing results and bedroom count.
  3. Private well capacity check (~30d)
    Well-yield demonstration may be required if adding bedrooms beyond original well-permit assumptions. RIDEM Office of Water Resources reviews. Typical 6 GPM minimum yield for residential service; additional bedrooms can push aggregate demand beyond original well capacity, triggering well replacement or upsize ($8,000-$25,000).
  4. Pre-application meeting with Glocester Planning Board / Town Planner (~14d)
    Recommended in-person meeting at Glocester Town Hall, 1145 Putnam Pike, with the Town Planner and Building/Zoning Official Dennis Begin. Strongly recommended for any project in or adjacent to the Chepachet Village National Register Historic District.
  5. Submit building permit application via permits.ri.gov (~1d)
    Glocester migrated to the RI Statewide E-Permitting Portal (permits.ri.gov) on 2024-01-02. Applications submit through the state portal; Dennis Begin (Building/Zoning Official, 401-568-6206 ext. 1) processes Glocester intake.
  6. Plan review by Glocester Building Official (~21d)
    Plan review by Dennis Begin against IRC 2018 with RI amendments. RI removed the IRC R313 sprinkler mandate so detached ADUs do not need NFPA 13D.
  7. Chepachet Historic District Commission review (if applicable) (~30d)
    Properties within the Chepachet Village National Register Historic District (covers the village center on Putnam Pike) require Glocester Historic District Commission review. The HDC cannot categorically prohibit ADUs but may condition exterior treatment to maintain village character.
  8. Required inspections
    Footing, framing, MEP rough, insulation, and final inspections coordinated through Dennis Begin's office. ISDS and well inspections coordinated separately with RIDEM-certified designers and inspectors.
  9. Certificate of Occupancy (~7d)
    Issued by Glocester Building Official upon final inspection pass and ISDS as-built filing.

Viability (permitted uses)

  • Long-term rental: yes Long-term rental of ADU explicitly permitted under Glocester Section 350-49 conforming to RIGL 45-24-37(j). The 60%-of-primary-home cap binds on most parcels.
  • Short-term rental: with-restrictions Glocester regulates STRs separately from ADU permitting. Limited STR demand in the rural Chepachet area outside the Pulaski State Park / fall-foliage tourism windows.
  • Office rental: with-restrictions Detached commercial office rental requires home occupation permit or rezoning under Glocester Chapter 350.
  • Home office: yes Home occupation permitted under Glocester Chapter 350 with restrictions on signage and customer traffic.
  • Studio / workshop: yes Personal artist or workshop studio is a permitted accessory residential use.
  • Agriculture: yes Agriculture is broadly permitted in Glocester's RR (Rural Residential) districts; livestock under standard RIDEM and town animal-husbandry rules. Many Chepachet-area parcels are farm-coded for tax purposes under RIGL 44-27.
  • Relative support: yes Family-occupancy ADU explicitly permitted; this was the original use case in pre-2024 RI ADU practice.

Contacts

DepartmentTown of Glocester Building & Zoning Department, Glocester Town Hall, 1145 Putnam Pike, Chepachet, RI 02814 - Building/Zoning Official Dennis Begin (Chepachet is the central village of Glocester; town building department processes all village permits)

Utilities

  • Water: Private wells (most parcels) regulated by RIDEM Office of Water Resources · 60d connect · $12,000
  • Sewer: RIDEM ISDS (On-Site Wastewater Treatment System) - private septic on virtually all Chepachet-area parcels · 90d connect · $35,000
  • Electric: Rhode Island Energy · 21d connect · $2,200
  • Gas: Limited natural gas service in Chepachet area; most homes use propane (delivered) or fuel oil · 30d connect · $3,500

Property values & taxes

Median value$405,000
Median tax$5,800/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 / condo / similar private-covenant restrictions on ADUs that conflict with the statute's ADU minimums. HOA prevalence in the rural Chepachet area is very low; most parcels are large-lot rural residential without subdivision covenants.

Regulatory overlays (3)

  • flood-zone
    Portions of Chepachet along the Chepachet River and connecting wetlands are in FEMA Special Flood Hazard Areas; elevation certificates and flood-resistant construction required for SFHA parcels per FIRM panels for Glocester, RI.
  • historic-district
    Chepachet Village National Register Historic District covers the village center along Putnam Pike. Glocester Historic District Commission review required for exterior changes; ADU massing/materials may be conditioned but not categorically denied.
  • septic-required
    Virtually all Chepachet-area parcels are on private septic; RIDEM ISDS approval for additional bedrooms is the longest-pole permitting step (60-120 days) and the dominant cost driver ($25K-$60K septic upsize).
Technical envelope (climate & building code)

Climate & energy code

IECC climate zone5A
Heating degree days5,800
Cooling degree days850
Frost depth36"
Design snow load35 psf
Wind design speed115 mph
Seismic design cat.B
Annual rainfall36"
Wildfire exposurelow-moderate
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 (4)

  • issue
  • 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

  • 02814

Post Office

  • 1151 Putnam Pike, 02814