Charles City
ADU Pass helps homeowners in Charles City, Charles City County, Virginia navigate the permit paperwork for building an accessory dwelling unit. This area covers 1 ZIP code.
Map
ADU details
ADU legality: allowed-with-restrictions
Charles City sits in unincorporated Charles City County and is governed by the Charles City County Code — Zoning Ordinance. Charles City is the unincorporated county seat of Charles City County (despite the name, it is NOT an independent city). The community sits on Virginia State Route 5 (the John Tyler Memorial Highway / Virginia Capital Trail) along the historic plantation corridor between Richmond and Williamsburg. Several National Historic Landmark plantations are nearby (Berkeley, Shirley, Westover, Sherwood Forest). The Charles City County zoning ordinance governs every parcel. Universal private well and septic; no public water/sewer in the county.
Cost scenarios
| Scenario | Sq ft | Permit | Build | Total |
|---|---|---|---|---|
| minimum | 150 | $1,430 | $36,750 | $38,180 |
| 600 | 600 | $1,430 | $147,000 | $148,430 |
| midpoint | 475 | $1,430 | $116,375 | $117,805 |
| maximum | 800 | $1,430 | $196,000 | $197,430 |
Fee breakdown (as of 2026-04)
Permitting process
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 Charles City County regulates STRs through its zoning ordinance; STR of an ADU typically requires Conditional Use Permit or registration. Owners should confirm current STR rules with the Planning Department.
- Office rental: with-restrictions Detached office rental requires a home-occupation permit or rezoning under 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 in residential and agricultural districts.
- Agriculture: yes Agricultural / Rural Preservation districts expressly permit farm structures and the keeping of livestock subject to setback rules.
- Relative support: yes Family / multi-generational accessory dwelling is the most common pattern and is expressly permitted in residential and rural districts.
Contacts
Staff: Planning Counter (Zoning Administrator / Planning Permit Intake), Building Inspections (Building Official)
Utilities
- Water: Almost universally private well (no public water utility in the county; the county is served by individual wells with a few small community systems) · 60d connect · $9,500
- Sewer: Private septic system (no public sewer in the county) · 90d connect · $14,500
- Electric: Dominion Energy Virginia · 30d connect · $2,400
- Gas: No natural-gas distribution; bottled propane is the norm · 14d connect · $1,900
Property values & taxes
Construction timeline
Realistic total: best 8mo · typical 12mo · worst 20mo
Modular pathway inspectors are occasional with modular
Financing
State ADU loans:
Insurance impact
HOA prevalence & preemption
Virginia has no HOA-ADU preemption. Newer subdivisions in suburban areas carry HOA covenants that often restrict accessory dwellings; rural parcels are typically not in an HOA.
Regulatory overlays (3)
- flood-zone
Extensive FEMA SFHA mapping along the James River (southern boundary) and Chickahominy River (northern / eastern boundary) and their tributaries. Floodplain Development Permit required when any portion of the parcel is in the SFHA. ADU finished floor must clear Base Flood Elevation plus Virginia freeboard. (map) - wetland-overlay
Charles City IS a Tidewater CBPA locality. Resource Protection Area 100-ft buffer from tidal waters, tributary streams, and wetlands restricts ADU siting near shorelines; Resource Management Area requires Water Quality Impact Assessment for non-trivial site disturbance. Most of the county is within the CBPA framework given its James River and Chickahominy River frontages. (map) - historic-district
Several Virginia State Route 5 plantations are listed on the National Register of Historic Places (some as National Historic Landmarks). Parcels adjoining or within these districts may trigger Virginia Department of Historic Resources comment review on exterior changes and new accessory structures. (map)
Technical envelope (climate & building code)
Climate & energy code
Building code
Amendments:
- Amendment
Legal history (timeline)
Current ordinance: Charles City County Code — Zoning Ordinance (governs Charles City), adopted 1980-01-01, last amended 2023-01-01
- 1979-01-01 — Va. Code § 15.2-2280 zoning authority codified (Dillon Rule baseline) (state-statute)
Virginia delegated zoning authority to counties, cities, and towns without an ADU-specific preemption.
Effect: Each Virginia locality regulates ADUs through its own zoning ordinance; ADUs are not automatically permitted statewide.
Known issues (1)
- other — Septic capacity is often the binding constraint on Charles City ADU plans, more frequently than zoning.
Charles City County — county ADU rules and overlays
County ADU ordinance
Charles City County is one of Virginia's eight original shires established in 1634 and is a true county (not an independent city, despite the name 'Charles City' which refers to the unincorporated community that serves as the county seat). It is a small rural county on the north bank of the James River between Richmond (west) and Williamsburg (east), and is part of the historic Tidewater Virginia Plantation country with several National Historic Landmark plantations along Virginia State Route 5 (including Berkeley, Shirley, Westover, and Sherwood Forest plantations). Charles City County regulates accessory dwelling units through its County Code zoning ordinance, administered by the Charles City County Department of Planning and Zoning under the authority of the Charles City County Board of Supervisors. Virginia is a Dillon Rule state and the General Assembly has not enacted any statewide ADU preemption; Charles City 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 / A-2, Residential R-1 / R-2, Commercial B-1, Industrial M-1, and overlay districts including Resource Protection Areas under the Chesapeake Bay Preservation Act). 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. Charles City County has no incorporated towns or cities; every parcel is unincorporated and subject solely to county jurisdiction.
- Charles City County Code — Zoning Ordinance
- Charles City County Department of Planning and Zoning
- Charles City County Board of Supervisors — adopting body for zoning ordinance amendments and Special Use Permits
- Charles City County Planning Commission
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 broad authority to regulate land use, and § 15.2-2286 enumerates the specific ordinance provisions that may be included. Neither statute mandates that a locality permit ADUs, requires ministerial review, caps parking, caps fees, or voids owner-occupancy requirements. Charles City County is therefore free to permit, restrict, or prohibit second dwellings under its zoning ordinance.
County regulatory overlays
Charles City County administers or is subject to several overlay regimes that materially affect ADU siting on parcels: (1) Chesapeake Bay Preservation Act — the county is fully within the Tidewater area covered by the CBPA (Va. Code § 62.1-44.15:67 et seq.) and applies Resource Protection Areas (RPAs) and Resource Management Areas (RMAs) that materially constrain ADU siting near streams, wetlands, and tidal shores; (2) FEMA Special Flood Hazard Areas along the James River, the Chickahominy River, and various tidal and non-tidal tributaries — the county has substantial low-elevation tidal frontage subject to NFIP regulation; (3) Historic district and scenic byway considerations — Virginia Route 5 (John Tyler Memorial Highway) is a designated Virginia Scenic Byway, and the county hosts several National Historic Landmark plantations (Berkeley, Shirley, Westover, Sherwood Forest among others) plus the Charles City Court House Historic District; (4) Federally recognized tribal interests — the Chickahominy Indian Tribe (federally recognized 2018) has tribal lands and cultural-resources interests within and adjacent to the county; (5) Land use taxation (use-value assessment) under Va. Code § 58.1-3230 et seq. is widely used given the county's agricultural base; (6) Agricultural and Forestal Districts under Va. Code § 15.2-4300 et seq.; (7) the county does not have a separate Wetlands Board zoning regime under Va. Code § 28.2-1300 et seq. that some Tidewater localities have adopted, but tidal wetlands remain regulated at the state level by the Virginia Marine Resources Commission; (8) Virginia DEQ stormwater and erosion-and-sediment-control regulations apply.
- Chesapeake Bay Preservation Act — Resource Protection Areas and Resource Management Areas — Charles City County is fully within the Tidewater area covered by the Chesapeake Bay Preservation Act and has adopted CBPA implementing provisions in its zoning ordinance. Resource Protection Areas (RPAs) — typically a 100-foot vegetated buffer landward of perennial streams, tidal shores, and connected wetlands — generally prohibit new development absent an exception or variance. Resource Management Areas (RMAs) — covering the rest of the county outside RPAs — require compliance with stormwater management, impervious-cover limits, and erosion controls. ADU siting in Charles City County is materially constrained by RPA boundaries: a parcel with significant water frontage may have most of its developable area inside the RPA, leaving only a narrow buildable zone away from the water. RPA and RMA determinations are made by Planning and Zoning staff; an exception process is available in narrow circumstances. CBPA compliance is the single most important overlay constraint in this county.
- FEMA National Flood Insurance Program — Special Flood Hazard Areas (tidal and non-tidal) — Charles City County participates in the National Flood Insurance Program. Principal Special Flood Hazard Area (SFHA) extents in the county include extensive tidal and non-tidal frontage on the James River and the Chickahominy River, plus low-elevation tributary streams. Coastal A and V zones may apply on tidal frontage where wave action is significant. An ADU in an SFHA must comply with NFIP elevation requirements, flood vent requirements on enclosed areas below BFE, anchoring requirements, and post-construction Elevation Certificate filing. Sea-level rise considerations are increasingly relevant for long-term planning on tidal frontage.
- Virginia Route 5 / John Tyler Memorial Highway — Virginia Scenic Byway and historic plantation corridor — Virginia State Route 5 (John Tyler Memorial Highway) traverses the entire length of Charles City County between Richmond and Williamsburg and is designated a Virginia Scenic Byway. The corridor is lined by several National Historic Landmark plantations including Berkeley Plantation (birthplace of Benjamin Harrison and William Henry Harrison), Shirley Plantation (the oldest family-owned business in North America), Westover Plantation, and Sherwood Forest Plantation (home of President John Tyler). The county's zoning treatment along the corridor reflects the historic and scenic significance, with limited commercial development and design considerations encouraged. ADU projects on parcels visible from Route 5 may face additional review for scenic-corridor impact, though no formal historic-district zoning overlay applies countywide.
- Land use taxation (use-value assessment) and roll-back tax — Charles City County participates in Virginia's land-use taxation program. Many large agricultural and forestal parcels are enrolled. Building a non-agricultural ADU on an enrolled parcel triggers conversion of the affected acreage to fair-market-value assessment plus a five-year roll-back tax under Va. Code § 58.1-3237. ADU planning on land-use parcels must include a roll-back tax calculation.
- Virginia Stormwater Management Program (VSMP) and Erosion & Sediment Control — Land-disturbing activity exceeding state-defined thresholds requires a VSMP permit and an ESC plan. Single-family residential exemptions apply in some cases. Charles City County is the local administering authority. CBPA compliance overlaps with VSMP and ESC requirements.
- Tidal wetlands — Virginia Marine Resources Commission jurisdiction — Tidal wetlands in Charles City County are subject to state-level regulation by the Virginia Marine Resources Commission (VMRC). The county has not, as of 2026-04-27, established a local Wetlands Board to assume primary jurisdiction (as some Tidewater localities have done), so VMRC retains primary regulatory authority over tidal wetlands. Any ADU project that would impact tidal wetlands or require dredge-and-fill activity in tidal waters requires VMRC permitting in addition to county and federal Clean Water Act § 404 review.
- Federally recognized tribal interests — Chickahominy Indian Tribe — The Chickahominy Indian Tribe achieved federal recognition in 2018 (along with five other Virginia tribes via the Thomasina E. Jordan Indian Tribes of Virginia Federal Recognition Act). Tribal interests in cultural resources, ancestral land, and tribal-trust lands are increasingly relevant to land-use decisions in the historical Chickahominy territory, which includes substantial portions of Charles City County. ADU projects involving land-disturbing activity on parcels with potential cultural-resources significance may require coordination with the tribal historic preservation office, particularly when federal funding or federal permits are involved (triggering NHPA § 106 review).
County permitting (unincorporated parcels)
The Charles City County Department of Planning and Zoning (zoning administration, Chesapeake Bay Preservation Area review) and the county Building Inspections office (building permits and inspections) together serve as the permitting authority for all parcels in the county. Charles City County has no incorporated towns or cities — every parcel is unincorporated. Charles City County comprises approximately 204 square miles of low-lying coastal-plain terrain on the north bank of the James River, with the Chickahominy River forming much of the northern boundary and the James River the southern boundary. The 2020 Census population was approximately 6,900, making it one of Virginia's smaller counties by population. The county is famously the location of several National Historic Landmark colonial-era plantations along the John Tyler Memorial Highway / Virginia Route 5, designated a Virginia Scenic Byway. The county has historic ties to the Pamunkey, Mattaponi, and Chickahominy tribes and is home to the Chickahominy Indian Tribe (federally recognized in 2018). For an ADU-style project, the typical sequence is: (a) zoning determination from Planning and Zoning, including Chesapeake Bay Preservation Area determination; (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 (Chickahominy Health District).
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
- 23030
Post Office
- 10800 Courthouse Rd, 23030