San Antonio

Bexar County portion

ADU Pass helps homeowners in San Antonio, Bexar County, Texas navigate the permit paperwork for building an accessory dwelling unit. This area covers 58 ZIP codes.

58 ZIP codes

ADU details

ADU legality: unclear

Stateunclear (Texas accessory-dwelling framework) — None enacted. Municipalities and counties retain full authority over ADU zoning, setbacks, parking, size limits, owner-occupancy requirements, and permitting. Adjacent statutes (SB 15 lot-size caps, HB 24 protest-threshold reform) affect density and zoning procedure in qualifying large cities but do not address ADUs directly.
Countywith-restrictions (Bexar County unincorporated zoning) — Bexar County permits ADUs in unincorporated areas under state-law-aligned standards. Within San Antonio city limits the city ordinance plus state law govern.
Citywith-restrictions (City of San Antonio Municipal / Zoning Code — Accessory Dwelling Units) — City of San Antonio permits ADUs under the local ordinance aligned with Texas statewide framework where applicable.

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

Cost scenarios

ScenarioSq ft PermitBuildTotal
minimum 150 $1,800 $31,650 $33,450
600 600 $1,800 $126,600 $128,400
midpoint 525 $1,800 $110,775 $112,575
maximum 900 $1,800 $189,900 $191,700
Fee breakdown (as of 2026-04)
Plan review$385
Building permit$1,240
Total$1,820

Permitting process

Typical duration45 days
Backlog10 days
  1. UDC 35-371 eligibility and overlay check (~5d)
    Confirm parcel zoning permits an ADU under UDC 35-371 (allowed in single-family residential districts; FR and RE district size cap differs). Check for Edwards Aquifer Recharge Zone (ERZD overlay per UDC 35-332), Military Lighting Overlay (Camp Bullis / Lackland / Randolph), Historic Districts (HL/H), and ETJ status (parcels in Bexar ETJ follow county building rules and TCEQ Edwards Aquifer Protection Plan instead of city UDC).
  2. Pre-application owner-occupancy declaration (~7d)
    UDC 35-371(c) requires the owner to occupy either the principal unit or the ADU as permanent residence; the owner-occupied unit cannot be rented. Notarized affidavit of owner-occupancy is filed with Development Services as part of intake. Properties under prior CUP (Conditional Use Permit) restrictions may need a separate zoning verification letter.
  3. Submit Residential Building Permit via San Antonio BuildSA portal (~2d)
    Application submitted through BuildSA at aca.sa.gov. Required: completed Residential Building Permit application, ADU site plan showing the 800 sqft cap (1,200 sqft if RE-zoned) and connection to principal-structure water/sewer/electric (electrical can be separate beyond 100 linear feet per UDC 35-371(d)), sealed structural plans, energy compliance per IECC 2021 Climate Zone 2A, T-pole or temporary power request if needed.
  4. DSD intake and routing review (~3d)
    Development Services Department (DSD) intake staff reviews for completeness, assigns concurrent reviews to Building, Zoning, Fire, MEP, and (if applicable) SAWS Aquifer Protection. DSD's published target for residential plan review is 3 to 18 business days depending on project type and current load.
  5. Plan review (building, zoning, fire, MEP, SAWS) (~18d)
    Concurrent review across disciplines. Typical first-cycle comments cover setbacks (5 ft side/rear minimum in most SF districts), max height (one story over the principal not exceeded), parking (one off-street space if not within 1/2 mile of VIA frequent transit), and SAWS impact-fee calculation. ERZD parcels add a TCEQ-coordinated Edwards Aquifer Protection Plan (EAPP) review which can extend this stage by 30-60 days.
  6. Permit issuance and fee payment (~5d)
    Once plans are approved, applicant pays building permit, plan-review, and SAWS water/sewer impact fees through BuildSA. Permit valid 180 days from issuance per City of San Antonio Building Code; one extension available on showing of progress.
  7. Construction inspections
    Required DSD inspections: foundation/T-pole, plumbing rough, electrical rough, mechanical rough, framing, insulation, final building, final MEP, fire (if sprinklered). Inspections scheduled through BuildSA portal or at +1-210-207-1111. Common rework items: setback verification, opening protection if within Wind Zone 90 mph design contour.
  8. Certificate of occupancy (~5d)
    DSD issues CO after all final inspections pass. ADU may then be occupied. Owner-occupancy affidavit remains a continuing condition; STR registration with Code Enforcement is separate (Type 1 owner-occupied STR is the only permissive STR designation for ADUs under San Antonio's STR ordinance).

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. San Antonio 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.

Incentives

Pre-approved plans Pre-approved plans

Contacts

DepartmentCity of San Antonio Development Services Department (DSD)

Staff: DSD Residential Plan Review (Residential Building Permits / ADU intake), DSD Land Development / Zoning (Zoning Verification Letter and UDC 35-371 interpretations), SAWS Aquifer Protection (Edwards Aquifer Recharge Zone (ERZD) coordination for parcels in the recharge or contributing zones)

Utilities

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

Property values & taxes

Median value$270,000
Median tax$5,670/yr
Effective rate2.1%

Construction timeline

Detached build24 weeks
Conversion14 weeks
Contractor lead3 months

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

Financing

Insurance impact

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

HOA prevalence & preemption

State HOA preemptionno

Texas has no HOA-ADU preemption; HOA covenants restricting ADUs are enforceable.

Regulatory overlays (2)

  • historic-district
    San Antonio historic districts trigger Architectural Review Board / Historic Preservation Commission review for ADUs in historic boundaries.
  • airport-noise-zone
    Airport noise contours affect some parcels and may require sound-attenuation construction.
Technical envelope (climate & building code)

Climate & energy code

IECC climate zone2A
Heating degree days1,600
Cooling degree days2,700
Design low / high30°F / 93°F
Design snow load5 psf
Wind design speed115 mph
Seismic design cat.A
Annual rainfall67"
Wildfire exposurelow
Energy codeIECC
Version / adopted2021 / 2022

Building code

Base codeIRC
Version year2,021
Adopted2022
Fire sprinklernone
Egress window5.7 sqft min
Min ceiling7 ft
Attic R-valueR-38 min
Wall R-valueR-13 min

Amendments:

  • Amendment
  • Amendment
Bexar County — county ADU rules and overlays

County permitting (unincorporated parcels)

Bexar County handles non-zoning unincorporated work (subdivision/plat, OSSF, floodplain, 911 addressing).

DepartmentBexar County Public Works
Texas state — ADU law and programs

State ADU law

Texas has NOT enacted a statewide ADU preemption or ADU-by-right statute. Local governments (municipalities and counties) retain full authority over ADU zoning, setbacks, parking, size limits, owner-occupancy, and permitting. Two recent housing-reform bills in the 89th Legislature (2025) touch density and zoning procedure but do NOT preempt ADU-specific local rules: SB 15 (Bettencourt, signed 2025-06-20, effective 2025-09-01) caps minimum single-family lot sizes in cities over 150,000 in counties over 300,000, and HB 24 (signed 2025-06-20, effective 2025-09-01) raises the protest petition threshold for zoning changes. A dedicated ADU-preemption bill — SB 673 (Hughes, 2025) — passed the Texas Senate on 2025-04-10 and was reported favorably by the House Land & Resource Management Committee on 2025-05-08, but died on the General State Calendar when the 89th Regular Session adjourned on 2025-06-02. In the absence of a state ADU statute, homeowners must consult the ordinance of the municipality (or the county's subdivision rules for unincorporated areas) where the lot sits.

State financing programs

Texas does not operate an ADU-specific statewide loan, grant, or forgivable-loan program comparable to California's CalHFA ADU Grant. The Texas Department of Housing and Community Affairs (TDHCA) administers the state's general housing finance programs — My First Texas Home, My Choice Texas Home, Mortgage Credit Certificates, multifamily Housing Tax Credits, the Homeowner Assistance Fund, and Housing Trust Fund awards. None target ADU construction directly, but several can apply to an ADU as part of a primary-residence purchase or refinance when program criteria are met. ADU-specific financing in Texas is primarily local: the City of Austin's ADU Loan Program (administered through Neighborhood Housing and Community Development) and a handful of smaller pilot programs are the most visible, but these sit at the city tier, not the state tier.

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

  • 78201
  • 78202
  • 78203
  • 78204
  • 78205
  • 78207
  • 78208
  • 78209
  • 78210
  • 78211
  • 78212
  • 78213
  • 78214
  • 78215
  • 78216
  • 78217
  • 78218
  • 78219
  • 78220
  • 78221
  • 78222
  • 78223
  • 78224
  • 78225
  • 78226
  • 78227
  • 78228
  • 78229
  • 78230
  • 78231
  • 78232
  • 78233
  • 78234
  • 78235
  • 78237
  • 78238
  • 78239
  • 78240
  • 78242
  • 78244
  • 78245
  • 78247
  • 78248
  • 78249
  • 78250
  • 78251
  • 78252
  • 78253
  • 78254
  • 78255
  • 78256
  • 78257
  • 78258
  • 78259
  • 78260
  • 78261
  • 78263
  • 78264

Post Office

  • 10250 John Saunders Rd, 78246
  • 10330 Desert Sands St, 78216
  • 1064 Vance Jackson Rd, 78201
  • 1107 Austin Hwy, 78209
  • 11119 Landmark 35 Dr, 78233
  • 1140 S Laredo St, 78204
  • 12951 Huebner Rd, 78230
  • 15610 Henderson Pass, 78232
  • 1948 Austin Hwy, 78218
  • 2000 S Hackberry St, 78210
  • 20403 Encino Ledge, 78259
  • 2400 Mccullough Ave, 78212
  • 3918 Clark Ave, 78223
  • 4835 Medical Dr, 78229
  • 4950 E Houston St, 78220
  • 515 Pierce, 78208
  • 5510 SW Loop 410, 78227
  • 5555 San Fernando St, 78237
  • 5837 De Zavala Rd, 78249
  • 6302 S Flores St, 78214
  • 6825 Huebner Rd, 78238
  • 702 Richland Hills Dr, 78245
  • 7411 Barlite Blvd, 78224
  • 9211 Broadway, 78217

Locale Names