ADU Pass
Crozet
ADU Pass helps homeowners in Crozet, Albemarle County, Virginia navigate the permit paperwork for building an accessory dwelling unit. This area covers 1 ZIP code.
Map
ADU details
ADU legality: with-restrictions
Albemarle County Section 5.1.34 governs. Crozet's location inside a Designated Development Area means most parcels are on Albemarle County Service Authority (ACSA) public water and sewer, eliminating the rural well/septic timeline. The Crozet Master Plan, last comprehensively updated in 2021 with AC44 cycle revisions in flight, anticipates higher-density residential growth and is generally supportive of accessory apartments as a contributor to housing supply.
Cost scenarios
| Scenario | Sq ft | Permit | Build | Total |
|---|---|---|---|---|
| midpoint | 600 | $750 | $174,000 | $174,750 |
| typical | 750 | $850 | $217,500 | $218,350 |
| maximum | 900 | $950 | $261,000 | $261,950 |
Fee breakdown
Viability (permitted uses)
- Long-term rental: yes Long-term rental of accessory apartment is permitted subject to owner-occupancy of one unit (Section 5.1.34); Virginia landlord-tenant law applies.
- Short-term rental: with-restrictions Albemarle Section 5.1.43 (Homestay, owner-on-site) by Zoning Clearance. Section 5.1.48 (Transient Lodging, owner-not-on-site) requires Special Use Permit. Crozet's residential-NMD districts are mid-restriction; check the 2023 STR amendment text for current Crozet-specific provisions.
- Office rental: with-restrictions Home occupation permitted; detached office for non-resident employees requires SUP.
- Home office: yes Home occupation by-right with limits on signage, customer traffic, and employees.
- Studio / workshop: yes Personal studio is a permitted accessory use.
- Agriculture: with-restrictions Limited urban agriculture in residential and NMD districts; full-scale agriculture is a Rural Areas use.
- Relative support: yes Family-occupancy of accessory apartment is the canonical Section 5.1.34 use case.
Incentives
Utilities
- Water: Albemarle County Service Authority (ACSA) — Crozet service area · 30d connect · $4,500
- Sewer: Albemarle County Service Authority (ACSA) — Crozet sewer service · 30d connect · $7,500
- Electric: Dominion Energy · 21d connect · $1,900
- Gas: Columbia Gas of Virginia (piped natural gas in some Crozet subdivisions); propane elsewhere · 30d connect · $1,700
Property values & taxes
Crozet ZHVI has materially outpaced the Virginia statewide median through 2019-2025 driven by Charlottesville-area in-migration and the Old Trail / Western Ridge / Wickham Pond / Foothill Crossing build-out.
Construction timeline
Realistic total: best 7mo · typical 10mo · worst 15mo
Crozet contractor lead time runs longer than rural Albemarle because ADU-specialist builders concentrate on Designated Development Area work. Design / build firms with Old Trail / Western Ridge experience are the most fluent in the Crozet permitting nuances.
Financing
State ADU loans:
Insurance impact
Crozet's ACSA-served subdivisions are at standard wildfire / windstorm exposure for the Virginia Piedmont; no special premium loadings.
HOA prevalence & preemption
Crozet's NMD/PRD subdivisions (Old Trail Village, Western Ridge, Wickham Pond, Foothill Crossing, Westhall, Cory Farm) are nearly all under HOA covenants. Several HOAs prohibit detached accessory dwellings or impose architectural-control review beyond the county's. HOA covenants are enforceable in Virginia.
Technical envelope (climate & building code)
Climate & energy code
Building code
Amendments:
- Amendment
- Amendment
Legal history (timeline)
Current ordinance: Albemarle County Code Chapter 18 (Zoning Ordinance), Section 5.1.34 (Accessory Apartments), adopted 1980-12-10, last amended 2023-01-01
- 2021-08-04 — Crozet Master Plan 2021 Update (comprehensive-plan)
Comprehensive update to the Crozet Master Plan adopted by the Board of Supervisors August 4, 2021.
Effect: Reaffirmed Crozet as a Designated Development Area, expanded the Master Plan boundary, and articulated a housing-affordability commitment that includes accessory apartments as an in-fill housing supply tool. - 2024-01-01 — Albemarle County AC44 Comprehensive Plan update (county-ordinance)
AC44 Comprehensive Plan update under active Board of Supervisors review through 2025-2026; expected to trigger Section 5.1.34 amendments that may broaden ADU provisions in Designated Development Areas like Crozet.
Effect: Pending — final form depends on Board adoption.
Known issues (3)
- policy-review —
- other —
- other —
Albemarle County — county ADU rules and overlays
County ADU ordinance
Albemarle County permits one accessory apartment per lot as an accessory use to a single-family dwelling, subject to occupancy, size, and placement standards in Zoning Ordinance Section 5.1.34 and the per-district use regulations. The county's definition of an accessory apartment is a second dwelling unit (attached or detached) on a lot with a single-family dwelling. The base size cap is 900 square feet or 35% of the gross floor area of the primary dwelling, whichever is less; owner-occupancy of either the primary dwelling or the accessory apartment is required; and no more than one accessory apartment is permitted per lot. Attached accessory apartments (within, or attached to, the primary dwelling) are by-right in residential and rural districts; detached accessory apartments (in a separate accessory structure) are permitted in the Rural Areas (RA) district by-right and in most residential districts with administrative review. The rural areas of Albemarle are further governed by the Monticello-viewshed Entrance Corridor overlays and the Mountain Overlay District, both of which can bind ADU placement and visibility even where the underlying zoning permits the unit.
County regulatory overlays
Albemarle County administers an unusually dense overlay regime, reflecting the county's role as gateway to Monticello (UNESCO World Heritage Site), the presence of the University of Virginia adjacent to the county on the Charlottesville side, and the Blue Ridge / Southwest Mountains ridgeline topography. Five overlay regimes bear materially on ADU projects: (1) the Floodplain Overlay District tied to FEMA Special Flood Hazard Areas; (2) the Entrance Corridor overlays (US-250 East/West, US-29 North/South, VA-20 North/South, I-64 visible segments, and the Monticello-viewshed corridors) reviewed by the county's Architectural Review Board; (3) the Mountain Overlay District (mountaintop and ridgeline protection zones in the Blue Ridge western portion of the county and the Southwest Mountains eastern portion); (4) the Steep Slopes overlay tied to grading and land-disturbance limits on slopes above specified gradients; and (5) the Historic Overlay District / Monticello Viewshed protection zone around Monticello, Ash Lawn-Highland, and the adjacent Thomas Jefferson cultural landscape. Albemarle has no coastal-commission jurisdiction (fully inland Piedmont county; no tidal waters), no CalFire-equivalent WUI regime (Virginia has no statewide wildland-urban-interface overlay, though the Department of Forestry coordinates wildfire response in the rural portions), and no seismic-retrofit overlay.
County permitting (unincorporated parcels)
Albemarle County's Community Development Department issues ADU building permits for every parcel in the county. The department is organized into three divisions relevant to ADU permitting: Zoning (use compliance, Section 5.1.34 supplemental standards, Special Use Permits), Building Inspections (building permit, trade permits, inspection sequence), and Planning (for Rural Areas conservation, Mountain Overlay District review, and Entrance Corridor / ARB coordination). Because Charlottesville is an independent city (not part of Albemarle), ADU projects on the UVA periphery and urban-ring neighborhoods around Charlottesville need to be sited on an Albemarle parcel, not a Charlottesville city parcel, to route through this county process. A typical ADU permit bundle includes: (1) a Zoning Clearance confirming Section 5.1.34 compliance and owner-occupancy covenant recording, (2) a Building Permit with stamped plans, (3) Electrical, Plumbing, and Mechanical trade permits, (4) a Virginia Department of Health (VDH) Thomas Jefferson Health District construction permit for well and/or septic on parcels not served by Albemarle County Service Authority (ACSA) water/sewer, (5) a Floodplain Development Permit if any portion of the parcel is within the mapped 100-year floodplain, (6) Architectural Review Board (ARB) review if the parcel is in an Entrance Corridor overlay, and (7) additional Mountain Overlay District review for parcels above the mountaintop elevation threshold.
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
- 22932
Post Office
- 1210 Crozet Ave, 22932