Withams

ADU Pass helps homeowners in Withams, Accomack County, Virginia navigate the permit paperwork for building an accessory dwelling unit. This area covers 1 ZIP code.

1 ZIP code

ADU details

ADU legality: with-restrictions

Stateunclear (Virginia accessory-dwelling framework (Dillon Rule)) — Virginia has not enacted statewide ADU preemption. Va. Code § 15.2-2280 grants counties, cities, and towns broad zoning authority subject to planning-commission procedure, hearing, and enabling-ordinance requirements in §§ 15.2-2285 and 15.2-2286 (Dillon Rule). No statewide floor mandates ADU permissibility, ministerial review, minimum allowed size, or parking-requirement ceilings. Localities can, and many do, prohibit ADUs entirely through their zoning ordinances. ADU bills introduced in the 2022-2025 General Assembly sessions have not been enacted.
Countywith-restrictions (Code of Accomack County, Chapter 106 — Zoning) — Accomack County's zoning ordinance (Code of Accomack County, Chapter 106) regulates Accessory Dwelling / Family Apartment uses across every parcel in the county except those inside the corporate limits of incorporated towns that have adopted their own zoning. In practice, the county's zoning reaches every CDP, every unincorporated parcel, and every small incorporated town except Onancock and Chincoteague (which operate independent town zoning). The county permits accessory family units (typically attached or in-law style) by right in the Agricultural (A) and certain Residential (R) districts, with detached accessory dwellings requiring a special-exception or conditional-use review. Owner-occupancy and one-unit-per-lot restrictions are typical. The county is a Tidewater Chesapeake Bay Preservation Act (CBPA) locality, which layers Resource Protection Area (RPA) and Resource Management Area (RMA) buffer rules over every shoreline-adjacent parcel.
Citywith-restrictions (Withams (unincorporated CDP) — Accomack County Chapter 106 zoning applies) — Withams is a small unincorporated community in northern Accomack County. No town government; Accomack County governs.

Withams ADUs are permitted under Accomack County zoning.

Cost scenarios

ScenarioSq ft PermitBuildTotal
minimum 150 $1,900 $41,700 $43,600
600 600 $1,900 $166,800 $168,700
midpoint 525 $1,900 $145,950 $147,850
maximum 900 $1,900 $250,200 $252,100
Fee breakdown
Plan review$570
Building permit$1,045
Impact fees$285
Total$1,900

Viability (permitted uses)

  • Long-term rental: yes Long-term rental of an ADU is generally permitted; Virginia landlord-tenant law (Va. Code § 55.1-1200 et seq., the Virginia Residential Landlord and Tenant Act) governs.
  • Short-term rental: with-restrictions Accomack County regulates STRs through its zoning ordinance with a Conditional Use Permit (CUP) requirement in most residential districts; check the Accomack STR registration rules and any town-level STR ordinance separately.
  • Office rental: with-restrictions Detached office rental requires a home-occupation permit or rezoning under Accomack Chapter 106 home-occupation provisions.
  • Home office: yes Home occupation is permitted in residential and rural districts with restrictions on signage, customer traffic, and outside storage.
  • Studio / workshop: yes Personal studio (artist, music, woodworking) is a permitted accessory use.
  • Agriculture: yes Most Accomack parcels are zoned Agricultural (A) or Agricultural-Residential (AR) which expressly permit farm structures and the keeping of livestock; the Eastern Shore is one of the most active commercial-poultry regions in Virginia.
  • Relative support: yes Family / multi-generational accessory dwelling is the most common Accomack ADU pattern and is expressly permitted in residential and rural districts.

Utilities

  • Water: Private well (typical for Accomack rural parcels) · 60d connect · $8,500
  • Sewer: Private septic system (typical for Accomack rural parcels) · 90d connect · $12,500
  • Electric: A&N Electric Cooperative (Eastern Shore co-op; service area covers all of Accomack and Northampton) · 30d connect · $2,200
  • Gas: Bottled propane (no natural-gas distribution on the Eastern Shore) · 14d connect · $1,800

Property values & taxes

Median value$135,000
Median tax$878/yr
Effective rate0.7%

Construction timeline

Detached build28 weeks
Conversion16 weeks
Contractor lead4 months

Realistic total: best 8mo · typical 12mo · worst 20mo

Financing

Insurance impact

Annual premium delta$540
Landlord policyrecommended
Umbrella threshold$1M umbrella when renting; coastal exposure can drive premium upward.

HOA prevalence & preemption

State HOA preemptionno

Virginia has no HOA-ADU preemption. Most Accomack rural parcels are not in an HOA. Newer subdivisions on Chincoteague and parts of Captain's Cove (Greenbackville area) carry HOA covenants that may restrict accessory dwellings.

Technical envelope (climate & building code)

Climate & energy code

IECC climate zone4A
Heating degree days4,100
Cooling degree days1,700
Design low / high18°F / 92°F
Frost depth14"
Design snow load15 psf
Wind design speed130 mph
Seismic design cat.B
Annual rainfall44"
Wildfire exposurelow
Energy codeIECC
Version / adopted2021 / 2024

Building code

Base codeIRC
Version year2,021
Adopted2024
Fire sprinklernone
Egress window5.7 sqft min
Min ceiling7 ft
Attic R-valueR-49 min
Wall R-valueR-20 min

Amendments:

  • Amendment
  • Amendment
  • Amendment

Known issues (2)

  • other — A meaningful share of Accomack ADU plans die at the VDH evaluation stage, not at zoning. Engage a private sanitarian early.
  • other — Sites within 1/4 mile of mean high water should price NFIP flood insurance separately and budget for likely premium escalation through any 30-year hold.
Accomack County — county ADU rules and overlays

County ADU ordinance

Accomack County does NOT maintain a standalone accessory-dwelling-unit ordinance with codified definitional and dimensional standards specific to ADUs. ADU-style use cases in Accomack County are governed indirectly through the Zoning Ordinance's treatment of 'accessory use,' 'accessory structure,' 'family dwelling' (the ordinance's term for a limited second-dwelling allowance tied to family-member or farm-labor occupancy), and 'tourist home' / 'short-term rental' provisions in combination with the per-district use schedules. In the Agricultural (A) district that covers most county acreage, a 'farm-labor housing unit' or 'family-member dwelling' is typically permitted subject to minimum lot area, demonstrated bona fide agricultural use, and Zoning Administrator approval; a fully independent second dwelling for general (non-family, non-farm-labor) occupancy typically requires a Special Use Permit from the Board of Supervisors after Planning Commission recommendation. In the Rural Village (RV) and Residential (R) districts, the ordinance allows accessory structures (including detached garages with above-garage living quarters, traditional 'guest cottages' without independent kitchen facilities, etc.) by-right subject to setback, height, and lot-coverage standards; an independent second dwelling on the same parcel in those districts generally requires an SUP. The Town of Chincoteague administers a separately-adopted town ordinance with its own ADU / short-term-rental provisions, and several other small incorporated towns within Accomack County administer their own independent zoning. Applicants must confirm jurisdiction (county vs. town) as the first step in any ADU pro forma — the county's ordinance does not reach into incorporated-town limits, and Chincoteague in particular operates a materially different regulatory regime tied to the island's vacation-rental economy.

County regulatory overlays

Accomack County administers several overlay regimes that bear materially on ADU projects. The dominant constraints, in approximate order of how often they bind on a typical project, are: (1) a Floodplain Overlay District tied to FEMA Special Flood Hazard Areas, covering a very large share of county parcels because the entire county is a low-elevation peninsula (maximum elevation roughly 50 feet, median parcel elevation in the 15-30 foot range) with the Chesapeake Bay on the west, the Atlantic barrier-island chain and Chincoteague Bay on the east, and a dense network of internal tidal creeks; (2) Chesapeake Bay Preservation Act jurisdiction county-wide (Accomack is a Tidewater locality designated under Va. Code § 62.1-44.15:67 et seq.) with Resource Protection Area buffers of 100 feet from perennial water bodies and tidal wetlands and Resource Management Area coverage on essentially all remaining landward extent; (3) Virginia Marine Resources Commission (VMRC) tidal-wetlands, subaqueous-bottom, and coastal-primary-sand-dunes jurisdiction reaching any project touching tidal waters, wetlands, dunes, or beaches; (4) the Wallops Research Park Overlay and the associated FAA Part 77 imaginary-surface envelope of NASA Wallops Flight Facility / Mid-Atlantic Regional Spaceport (MARS) launch pads — a uniquely Accomack-County constraint not present in any other Virginia county, imposing height limits and launch-corridor coordination obligations on parcels within the overlay; (5) Chincoteague National Wildlife Refuge and the Virginia portion of Assateague Island National Seashore (federal land outside county jurisdiction; only relevant insofar as boundary surveys and federal-nexus reviews touch adjacent fee-simple parcels); (6) Airport Approach Overlay around the Accomack County Airport at Melfa and around the Tangier Island Airport; (7) Town-administered historic and zoning overlays inside the incorporated towns — the Town of Accomac Historic District, the Onancock Historic District, the Chincoteague Historic District, and several smaller town overlays — administered by those towns rather than by the county. Like Northampton County, Accomack has NO California-style coastal commission (Virginia has no coastal-commission analog), NO CalFire-equivalent WUI overlay (Virginia has no statewide WUI overlay), and NO seismic-retrofit overlay. The combination of pervasive floodplain, pervasive CBPA, frequent VMRC review, and the launch-corridor overlay makes Accomack arguably the single most overlay-distinct county in the Commonwealth.

County permitting (unincorporated parcels)

Accomack County's Department of Planning & Community Development and Department of Building Inspections jointly handle permitting for unincorporated parcels — that is, parcels outside the limits of any of the eleven-plus incorporated towns within the county. Inside town limits (Chincoteague, Onancock, Parksley, Onley, Bloxom, Hallwood, Keller, Melfa, Painter, Saxis, Tangier, Wachapreague — and the county seat Town of Accomac), permitting follows the town's own process; the county is not the issuing authority within those limits. A typical ADU-like permit bundle for an unincorporated Accomack County parcel includes: (1) a Special Use Permit from the Board of Supervisors with Planning Commission recommendation, unless the project qualifies for an Agricultural-district family-member or farm-labor housing allowance, (2) a Zoning Permit confirming use eligibility and setback compliance, (3) a Building Permit with stamped residential plans, (4) Electrical, Plumbing, and Mechanical trade permits, (5) a Virginia Department of Health (VDH) - Eastern Shore Health District construction permit for well and/or septic on parcels not served by public water or sewer (which is the great majority of parcels — public water and sewer in Accomack County are concentrated in Chincoteague, Onancock, Onley, and parts of the Wallops-area service district), (6) a Floodplain Development Permit if any portion of the parcel is within the mapped Special Flood Hazard Area (SFHA), which intersects a substantial majority of parcels because the entire county is a low-elevation peninsula with extensive tidal-creek and marsh systems, (7) a Chesapeake Bay Preservation Act review (Accomack County is a Tidewater locality subject to the CBPA, with Resource Protection Area and Resource Management Area rules applying across nearly the entire county), (8) a Virginia Marine Resources Commission (VMRC) joint-permit for any work in tidal wetlands, subaqueous bottom, or sand dunes (the Atlantic barrier-island lagoons, the Chincoteague Bay system, and the Chesapeake Bay frontage all trigger VMRC review frequently), (9) coordination with NASA Wallops / Mid-Atlantic Regional Spaceport for parcels within the FAA Part 77 imaginary-surface envelope of the Wallops Research Park Airport (a uniquely Accomack-specific constraint not present in any other Virginia county), and (10) Historic District review where applicable (the Town of Accomac Historic District, the Onancock Historic District, the Pungoteague rural historic district, and numerous NRHP-listed properties).

Virginia state — ADU law and programs

State ADU law

Virginia has NOT enacted a statewide ADU preemption law. Virginia is a Dillon Rule state — localities possess only those powers expressly granted by the General Assembly — and the statutes granting zoning authority (Va. Code § 15.2-2280 et seq.) leave ADU regulation to local ordinances. ADU permission, setbacks, parking, size, and owner-occupancy rules therefore vary by county, independent city, and town. Virginia is unique in that it has 38 independent cities that function as counties (neither in nor subordinate to the surrounding county), meaning 'the county' for any given Virginia property may be an independent city rather than a true county. Several ADU preemption bills have been introduced in recent General Assembly sessions (2022 through 2025) without enactment; none have advanced past committee as of the Assembly's 2026 regular session adjournment.

State financing programs

Virginia does not operate an ADU-specific statewide loan, grant, or forgivable-loan program. Virginia Housing (formerly the Virginia Housing Development Authority, VHDA — rebranded 2020) administers general first-time-homebuyer, down-payment-assistance (DPA), mortgage-credit-certificate, and rehabilitation products that can be applied to ADU-adjacent purchases or improvements when eligibility criteria are met, but none target ADU construction as a distinct product. The Virginia Department of Housing and Community Development (DHCD) administers federal HOME and CDBG pass-through funds that local jurisdictions can direct toward ADU-adjacent rehab, but there is no state-level ADU-dedicated line item. Federally available products (FHA 203(k), Fannie Mae HomeReady and HomeStyle Renovation, Freddie Mac CHOICERenovation) remain the primary ADU financing path for Virginia homeowners.

State housing programs

Virginia does not run a state-level pre-approved-ADU-plan catalog, statewide impact-fee-waiver statute for ADUs, or streamlined-review mandate. State-level programs that touch ADU-adjacent policy are coordinated primarily through the Department of Housing and Community Development (DHCD) and Virginia Housing, and act by funding or assisting local jurisdictions rather than by preemption. Local ADU activity — Arlington County's Accessory Dwellings program (detached ADUs permitted since 2008, liberalized 2020), Alexandria's accessory-dwelling ordinance, Fairfax County's accessory-living-unit program, and Charlottesville's 2021 zoning-code changes — is authorized under the localities' Va. Code § 15.2-2280 zoning authority, not by state mandate.

  • DHCD Community Development Block Grant (CDBG) Program — Federal CDBG funds administered by DHCD to eligible non-entitlement Virginia localities for community-revitalization, housing-rehab, and infrastructure projects. Not ADU-specific. Participating localities can direct CDBG funds toward housing-rehab projects where local policy supports ADUs.
  • DHCD HOME Investment Partnerships Program — Federal HOME funds administered by DHCD to Virginia participating jurisdictions and non-profits for affordable-housing acquisition, rehab, and new construction. Not ADU-specific; can be directed to ADU-adjacent rehab at local discretion.
  • Virginia Housing Commission — Permanent advisory commission of the General Assembly that studies housing-policy questions and recommends legislation. Has periodically studied ADU preemption and missing-middle housing without recommending statewide enactment as of 2026-04-21.
  • Local ADU ordinances under Va. Code § 15.2-2280 authority — Not a state program — listed here because Virginia ADU policy is executed entirely at the locality level under the § 15.2-2280 zoning grant. A homeowner seeking to build an ADU consults the zoning ordinance of the specific county, city, or town where the parcel is located.
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

  • 23488

Post Office

  • 28309 Withams Rd, 23488