Clifton Forge

ADU Pass helps homeowners in Clifton Forge, Alleghany 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) — Virginia is a Dillon Rule state; no statewide ADU preemption.
Countywith-restrictions (Alleghany County zoning (county-level overlay where town has not displaced)) — Clifton Forge is an incorporated town that reverted from independent city status to town status in 2001 (under Va. Code § 15.2-3917). The town is now part of Alleghany County. The town's zoning ordinance generally controls inside town limits; Alleghany County zoning applies to the unincorporated balance. No standalone county ADU ordinance — second dwellings typically require Special Use Permit, family/kinship-dwelling qualification, or minor subdivision.
Citywith-restrictions (Town of Clifton Forge Zoning Ordinance) — Town of Clifton Forge zoning ordinance applies inside town limits. The town has not adopted a standalone ADU ordinance; second dwellings typically pursue Special Use Permit, family-dwelling qualification, or subdivision pathways. Confirm current ordinance text and accessory-dwelling provisions with the town zoning administrator.

No by-right ADU pathway in Clifton Forge. Second-dwelling proposals follow town zoning (in-town parcels) or Alleghany County zoning (any unincorporated parcels around the town). Karst topography and Jackson River floodplain affect well/septic and floodplain compliance.

Cost scenarios

ScenarioSq ft PermitBuildTotal
midpoint 600 $950 $153,000 $153,950
maximum 800 $1,050 $204,000 $205,050
Fee breakdown
Building permit$250
Total$950

Viability (permitted uses)

  • Long-term rental: yes Permitted under town residential zoning.
  • Short-term rental: with-restrictions Town STR rules vary; confirm with zoning administrator. Transient occupancy taxation under Va. Code § 58.1-3819 et seq.
  • Office rental: with-restrictions Home occupation typical.
  • Home office: yes Home occupation by-right with limits.
  • Studio / workshop: yes Permitted accessory use.
  • Agriculture: with-restrictions Limited urban agriculture in town districts.
  • Relative support: yes Family-occupancy generally permitted.

Incentives

Utilities

  • Water: Town of Clifton Forge Water Utility · 30d connect · $3,500
  • Sewer: Town of Clifton Forge Sewer Utility · 30d connect · $5,500
  • Electric: Dominion Energy · 25d connect · $1,800
  • Gas: Columbia Gas of Virginia (some parts of town); propane elsewhere · 30d connect · $1,700

Property values & taxes

Median value$95,000
Median tax$950/yr
Effective rate1%

Clifton Forge property values are low by Virginia standards, reflecting regional economic decline since the C&O Railway peak. ADU economics dominated by low absolute construction cost relative to property value.

Construction timeline

Detached build26 weeks
Conversion14 weeks
Contractor lead4 months

Realistic total: best 9mo · typical 13mo · worst 20mo

Financing

Fannie Mae ADUeligible

State ADU loans:

Insurance impact

Annual premium delta$320
Landlord policyrecommended
Umbrella threshold$1M umbrella when renting

Floodplain parcels require NFIP flood insurance; premium scales with elevation versus BFE.

HOA prevalence & preemption

State HOA preemptionno

Most Clifton Forge parcels are not under HOA covenants.

Technical envelope (climate & building code)

Climate & energy code

IECC climate zone5A
Heating degree days5,200
Cooling degree days1,100
Design low / high4°F / 89°F
Frost depth24"
Design snow load30 psf
Wind design speed110 mph
Seismic design cat.B
Annual rainfall38"
Wildfire exposuremoderate
Energy codeIECC
Version / adopted2021 / 2024

Building code

Base codeVirginia USBC 2021
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

Known issues (3)

  • policy-review
  • other
  • other
Alleghany County — county ADU rules and overlays

County ADU ordinance

Alleghany County, located in the western Allegheny Mountains of Virginia along the West Virginia border, regulates accessory dwelling units through its County Code and zoning ordinance, administered by the Alleghany County Department of Community Development under the authority of the Alleghany County Board of Supervisors. Virginia is a Dillon Rule state and the General Assembly has not enacted any statewide ADU preemption; Alleghany County's authority to regulate or prohibit ADUs derives solely from the general zoning enabling statute at Va. Code § 15.2-2280 and the ordinance-content provisions of § 15.2-2286. The county zoning ordinance establishes use districts (Agricultural A-1, Residential R-1, R-2, Commercial, Industrial, Conservation, and overlay districts) and sets the permitted-use, accessory-use, and special-use lists for each. A second dwelling on a single residential parcel is not a permitted-by-right use in the standard residential districts; ADU-style second dwellings are typically pursued through (a) family/kinship-dwelling provisions where the second dwelling is occupied by a family member, (b) a discretionary Special Use Permit approved by the Board of Supervisors following Planning Commission recommendation, or (c) minor subdivision creating a separate buildable lot. The county does not have a standalone ministerial ADU ordinance of the California / Oregon / Washington type. The Town of Iron Gate and the Town of Clifton Forge (the latter reverted from independent city status to town status in 2001) are incorporated towns within the county with their own zoning ordinances; the City of Covington is an independent city entirely outside Alleghany County's jurisdiction, despite being the county seat of Alleghany County for administrative purposes (the county courthouse and administrative offices are located in Covington under a host-city arrangement). Note: Alleghany County (with the H) is the Virginia spelling; Allegheny (without the H) is the broader regional and West Virginia spelling.

State-floor overlay: Virginia has not enacted any statewide ADU preemption statute. Virginia is a Dillon Rule state (see Commonwealth v. County Bd. of Arlington County, 217 Va. 558 (1977)); localities have only those powers expressly granted by the General Assembly. The general zoning enabling statute at Va. Code § 15.2-2280 grants counties, cities, and towns broad authority to regulate land use, and § 15.2-2286 enumerates the specific ordinance provisions that may be included. Neither statute, nor any section of Title 15.2 Chapter 22 Article 7, mandates that a locality permit ADUs, requires ministerial review of ADU applications, caps parking requirements, caps fees, or voids owner-occupancy requirements. Alleghany County is therefore free to permit, restrict, or prohibit second dwellings under its zoning ordinance within the ordinary constitutional limits on land-use regulation. ADU preemption bills have been introduced in the Virginia General Assembly in multiple recent sessions (2022-2025) without enactment; the statewide regulatory picture at the county level is unchanged.

County regulatory overlays

Alleghany County administers or is subject to several overlay regimes that materially affect ADU siting on unincorporated parcels: (1) George Washington & Jefferson National Forest adjacency — the National Forest occupies a substantial portion of the county's land area, and parcels adjacent to or surrounded by Forest Service land face access, easement, and scenic-corridor considerations; (2) FEMA Special Flood Hazard Areas along the Jackson River, the Cowpasture River, Dunlap Creek, and other tributaries, with NFIP floodplain regulations administered through the county's floodplain ordinance; (3) Karst topography — Alleghany County lies in the Valley and Ridge physiographic province with extensive limestone bedrock, sinkholes, and caves (Falling Spring Falls, sinking creeks); siting wells and septic systems requires special attention to karst hydrology and potential cross-contamination, governed by Virginia Department of Health regulations; (4) Steep-slope and ridge-protection considerations — much of the county is mountainous (elevations from approximately 1,000 feet at the river bottoms to over 3,000 feet on Warm Springs Mountain and Peters Mountain); building-code provisions for slope, drainage, and erosion apply; (5) Chesapeake Bay Preservation Act applicability — Alleghany County is NOT in the Tidewater area covered by the Chesapeake Bay Preservation Act (Va. Code § 62.1-44.15:67 et seq.), so Resource Protection Areas (RPAs) and Resource Management Areas (RMAs) do not apply; (6) wildfire risk — Alleghany County has elevated wildfire risk tracked by the Virginia Department of Forestry, particularly in the steep forested areas adjacent to National Forest land, but Virginia does not have a California-style Very High Fire Hazard Severity Zone regulatory overlay with mandatory ignition-resistant-construction requirements; (7) Agricultural and Forestal Districts under Va. Code § 15.2-4300 et seq. provide use-value taxation to enrolled landowners.

  • George Washington & Jefferson National Forest adjacency — Approximately 40-45% of Alleghany County's land area is federal land managed by the U.S. Forest Service as part of the George Washington & Jefferson National Forest, including significant portions of the James River Ranger District. Federal regulation applies to activities within the federal boundary, not to private parcels outside it. However, parcels adjacent to or surrounded by Forest Service land face practical constraints: access easements may be required across federal land, scenic-corridor considerations may apply along forest-edge highways, and certain federal-cooperation policies inform county zoning decisions on adjacent private land. Owners of inholdings or parcels adjacent to National Forest land should consult both the county Department of Community Development and the U.S. Forest Service ranger district office in Covington.
  • FEMA National Flood Insurance Program — Special Flood Hazard Areas — Alleghany County participates in the National Flood Insurance Program and administers a county floodplain ordinance satisfying the NFIP minimum standards. Principal Special Flood Hazard Area (SFHA) extents in the county are along the Jackson River (which runs through the heart of the county and has historically caused significant flooding, including the November 1985 flood), the Cowpasture River, Dunlap Creek, and various smaller tributaries. The Jackson River Gorge below Gathright Dam (Lake Moomaw) is subject to flood-control releases by the U.S. Army Corps of Engineers. An ADU in an SFHA must comply with NFIP elevation requirements (lowest finished floor at or above Base Flood Elevation plus any county freeboard), flood vent requirements on enclosed areas below BFE, and post-construction Elevation Certificate filing. Owners should confirm current-effective FIRM panel at the FEMA Map Service Center before design.
  • Karst topography — well and septic siting constraints — Alleghany County lies in the Valley and Ridge physiographic province with extensive limestone bedrock and karst features (sinkholes, sinking streams, springs, caves). Karst hydrology poses elevated risk of cross-contamination between septic drainfields and groundwater wells because flow pathways can be rapid, unfiltered, and unpredictable. The Virginia Department of Health (Alleghany Health District) requires more rigorous evaluation of septic siting in karst areas, including possible required setbacks beyond the standard regulatory minimums, geotechnical evaluation, and in some cases denial of siting on parcels with severe karst features. An ADU adding load to an existing well/septic system on a karst parcel may require a more conservative engineered approach than a similar project in non-karst terrain.
  • Virginia Agricultural and Forestal Districts (local option under state law) — Alleghany County may have established Agricultural and Forestal Districts under the state AFD Act. Enrollment is voluntary; participating landowners commit to keeping land in agricultural or forestal use for a period (typically 4-10 years) in exchange for use-value assessment (Va. Code § 58.1-3230 et seq.) and limited protection from certain governmental actions that would disrupt agricultural or forestal use. An ADU on an AFD-enrolled parcel is generally permitted if it is an accessory use to continued agricultural or forestal operation, but non-agricultural commercial-rental ADUs may conflict with AFD purposes.
  • Virginia Department of Forestry wildfire risk — Alleghany County's mountainous, heavily forested terrain — particularly near the National Forest boundaries and in the wildland-urban interface zones around Selma, Callaghan, and the more remote ridge communities — has elevated wildfire exposure. Unlike California, Virginia does not have a statewide Very High Fire Hazard Severity Zone overlay that mandates WUI-rated construction materials on a per-parcel basis. The Virginia Department of Forestry publishes wildfire risk assessments and promotes defensible-space practices, but enforcement is advisory rather than regulatory. Owners in wildfire-exposed Alleghany County locations should follow best practices but face no locality-imposed WUI construction overlay analogous to California Chapter 7A.
  • Lake Moomaw (Gathright Dam) and Jackson River Gorge — federal water-resources project — Lake Moomaw, impounded by Gathright Dam on the Jackson River, sits primarily in adjacent Bath County but the dam itself and the regulated downstream Jackson River Gorge run through Alleghany County. The U.S. Army Corps of Engineers controls flood releases that affect downstream Jackson River flow. Parcels along the Jackson River Gorge below the dam are subject to the variable flow regime. Lake-frontage parcels around Lake Moomaw itself are primarily in Bath County and subject to federal recreation-area access constraints; only a small portion of Lake Moomaw shoreline lies in Alleghany County.

County permitting (unincorporated parcels)

The Alleghany County Department of Community Development is the permitting authority for building permits, zoning permits, and Special Use Permits on parcels within the unincorporated county (i.e., parcels outside the corporate limits of the towns of Iron Gate and Clifton Forge). Alleghany County comprises approximately 446 square miles of mountainous terrain in western Virginia along the Jackson River, the Cowpasture River, and the headwaters of the James River, surrounded substantially by the George Washington & Jefferson National Forest. The City of Covington is an independent city carved entirely out of the geographic area surrounded by Alleghany County and is NOT subject to Alleghany County zoning or permitting authority — Covington has its own city government, zoning ordinance, and building department. Most populated areas in the county lie along the Jackson River corridor (Selma, Boiling Springs, Low Moor, Callaghan) or the Cowpasture River valleys; the rest of the county is heavily forested and largely federal land. For an ADU-style project in the unincorporated county, the typical sequence is: (a) zoning determination from the Department of Community Development; (b) if a Special Use Permit is required, application to Planning Commission and Board of Supervisors; (c) building permit application to the county building official under the Virginia Uniform Statewide Building Code; (d) inspections through construction; (e) certificate of occupancy. Most parcels are not served by public utilities and require well and septic approval through the Virginia Department of Health (Alleghany Health District).

DepartmentAlleghany County Department of Community Development
Address9212 Winterberry Avenue, Suite F, Covington, VA 24426 (Alleghany County Governmental Complex)
Phone540-863-6650
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

  • 24422

Post Office

  • 324 Commercial Ave, 24422