Nashville

Davidson County portion

ADU Pass helps homeowners in Nashville, Davidson County, Tennessee navigate the permit paperwork for building an accessory dwelling unit. This area covers 22 ZIP codes.

22 ZIP codes

ADU details

ADU legality: unclear

Stateunclear (Tennessee accessory-dwelling framework) — Tennessee statewide ADU posture per state-adu-research file.
Countywith-restrictions (Davidson County unincorporated zoning) — Davidson County permits ADUs in unincorporated areas under state-law-aligned standards. Within Nashville city limits the city ordinance plus state law govern.
Citywith-restrictions (City of Nashville Municipal / Zoning Code — Accessory Dwelling Units) — City of Nashville permits ADUs under the local ordinance aligned with Tennessee statewide framework where applicable.

Tennessee leaves ADU regulation to local municipalities under home-rule or Dillon-rule authority. Nashville permits ADUs subject to local conditions per its zoning ordinance.

Cost scenarios

ScenarioSq ft PermitBuildTotal
minimum 150 $1,600 $40,500 $42,100
600 600 $1,600 $162,000 $163,600
midpoint 525 $1,600 $141,750 $143,350
maximum 900 $1,600 $243,000 $244,600
Fee breakdown
Plan review$480
Building permit$880
Impact fees$240
Total$1,600

Viability (permitted uses)

  • Long-term rental: yes Long-term rental of ADU generally permitted; landlord-tenant law and any city rental-registration ordinance apply.
  • Short-term rental: with-restrictions STR rules vary by city. Nashville regulates STRs separately from ADU permitting; check local STR ordinance and HOA covenants.
  • Office rental: with-restrictions Detached office rental requires home occupation permit or rezoning.
  • Home office: yes Home occupation permitted with restrictions on signage and customer traffic.
  • Studio / workshop: yes Personal artist studio is a permitted accessory use.
  • Agriculture: with-restrictions Limited urban agriculture permitted in residential zones; livestock varies by district.
  • Relative support: yes Family-occupancy ADU explicitly permitted in single-family zones.

Utilities

  • Water: Nashville Water Utility · 30d connect · $4,500
  • Sewer: Nashville Sewer / Wastewater · 30d connect · $5,500
  • Electric: Nashville Electric Utility · 21d connect · $1,800
  • Gas: Nashville Gas Utility · 30d connect · $1,500

Property values & taxes

Median value$425,000
Median tax$3,185/yr
Effective rate0.8%

Construction timeline

Detached build24 weeks
Conversion14 weeks
Contractor lead3 months

Realistic total: best 7mo · typical 10mo · worst 16mo

Financing

Fannie Mae ADUeligible

Insurance impact

Annual premium delta$380
Landlord policyrecommended
Umbrella threshold$1M umbrella when renting

HOA prevalence & preemption

State HOA preemptionno

Tennessee has no statewide statute that voids HOA bans on ADUs. Common-interest communities in Tennessee are governed primarily by the Tennessee Condominium Act of 2008 (T.C.A. §§66-27-201 to 66-27-603) for condominiums, by Tennessee's Horizontal Property Act (T.C.A. §66-27-101 et seq.) for older horizontal-property regimes, and by general nonprofit corporation law for HOA-style planned communities. Restrictive covenants in declarations and bylaws — including those prohibiting accessory structures or secondary kitchens — remain enforceable per their terms.

Regulatory overlays (2)

  • flood-zone
    Nashville has FEMA Special Flood Hazard Areas; elevation certificates and flood-resistant construction required for SFHA parcels.
  • historic-district
    Nashville historic districts trigger Architectural Review Board / Historic Preservation Commission review for ADUs in historic boundaries.
Technical envelope (climate & building code)

Climate & energy code

IECC climate zone4A
Heating degree days4,200
Cooling degree days1,500
Design low / high18°F / 91°F
Frost depth16"
Design snow load10 psf
Wind design speed115 mph
Seismic design cat.C
Annual rainfall44"
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
Davidson County (Metropolitan Government of Nashville and Davidson County) — county ADU rules and overlays

County ADU ordinance

Davidson County operates as the Metropolitan Government of Nashville and Davidson County (Metro Nashville), a consolidated city-county under the Tennessee Constitution Art. XI § 9 and the Charter of the Metropolitan Government (1963; ratified by referendum). With ~715,000 residents — Tennessee's second-most populous jurisdiction (after Memphis-Shelby County) and the state-capital county — Metro Nashville encompasses the entire county including the General Services District (the consolidated jurisdiction) and the Urban Services District (a smaller subset receiving urban-level services), plus the satellite cities of Belle Meade, Berry Hill, Forest Hills, Goodlettsville partial, Oak Hill, and Ridgetop partial which retain limited independent municipal status. Metro Nashville regulates land use through the Metropolitan Code of Laws Title 17 (Zoning Code), administered by the Metropolitan Department of Codes and Building Safety and the Metropolitan Planning Department. Tennessee enacted SB 1102 (2024) authorizing local-option ADU enabling but did not preempt — Tennessee's stateAduLaw is netEffect 'no-statewide-law'. Metro Nashville adopted Specific Plan ZN District ADU rules in 2017 and expanded ADU allowances 2020-2024 in response to housing-supply pressure; the Metro Nashville zoning code now permits 'detached accessory dwelling units' (DADUs) in most single-family zone districts (RS5, RS7.5, R6, R8, R10, R15, R20, R30, R40, R80, RM2, RM4, RM6, RM9 and most SP-R Specific Plans) by-right or with administrative approval.

County regulatory overlays

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 Codes

  • 37201
  • 37203
  • 37204
  • 37205
  • 37206
  • 37207
  • 37208
  • 37209
  • 37210
  • 37211
  • 37212
  • 37213
  • 37214
  • 37215
  • 37216
  • 37217
  • 37218
  • 37219
  • 37220
  • 37221
  • 37228
  • 37238

Post Office

  • 1011 Gillock St, 37216
  • 1109 Woodland St, 37206
  • 1718 Church St, 37203
  • 1906 Glen Echo Rd, 37215
  • 2006 Acklen Ave, 37212
  • 215 Donelson Pike, 37214
  • 2245 Rosa L Parks Blvd, 37228
  • 2325 Dickerson Pike, 37207
  • 301 Ezell Pike, 37217
  • 4112 Nolensville Pike, 37211
  • 4501 Charlotte Ave, 37209
  • 5421 Highway 100, 37205
  • 714 Fesslers Ln, 37210
  • 7619 Highway 70 S, 37221
  • 798 Berry Rd, 37204
  • 901 Broadway, 37202

Locale Names