Chesapeake

Chesapeake city portion

ADU Pass helps homeowners in Chesapeake, Chesapeake city, Virginia navigate the permit paperwork for building an accessory dwelling unit. This area covers 6 ZIP codes.

6 ZIP codes

ADU details

ADU legality: allowed-with-restrictions

Stateunclear (Virginia accessory-dwelling framework (Dillon Rule)) — Virginia has not enacted statewide ADU preemption. Va. Code Section 15.2-2280 grants counties, cities, and towns broad zoning authority subject to planning-commission procedure, hearing, and enabling-ordinance requirements (Dillon Rule). Va. Code Section 15.2-2305 expressly authorizes counties and cities to permit accessory apartments in single-family detached dwellings. No statewide floor mandates ADU permissibility, ministerial review, minimum allowed size, or parking-requirement ceilings. Virginia HB 2101 / HB 2299 (2023) were study bills; no statewide ADU preemption has been enacted as of 2026-04.
Countywith-restrictions (City of Chesapeake Zoning Ordinance (Chapter 33 of the City Code)) — Chesapeake is one of Virginia's 38 independent cities and operates as its own county-equivalent. The city of approximately 250,000 residents covers about 351 square miles between Norfolk, Virginia Beach, and the North Carolina border. ADUs are governed by the City of Chesapeake Zoning Ordinance with administrative review by the Planning Department; the city falls fully within Chesapeake Bay Preservation Act jurisdiction with extensive RPA buffers along the Elizabeth River, Northwest River, and the Great Dismal Swamp.
Citywith-restrictions (City of Chesapeake Zoning Ordinance (Chapter 33 of the City Code)) — Chesapeake is one of Virginia's 38 independent cities and operates as its own county-equivalent. The city of approximately 250,000 residents covers about 351 square miles between Norfolk, Virginia Beach, and the North Carolina border. ADUs are governed by the City of Chesapeake Zoning Ordinance with administrative review by the Planning Department; the city falls fully within Chesapeake Bay Preservation Act jurisdiction with extensive RPA buffers along the Elizabeth River, Northwest River, and the Great Dismal Swamp.

Chesapeake is an independent city (city = county-equivalent) governed by the City of Chesapeake Zoning Ordinance. ADU approvals route through Conditional Use Permit / accessory-dwelling overlay; Chesapeake Bay Preservation Act RPA buffers and significant FEMA SFHA exposure along the Elizabeth River, Northwest River, and Great Dismal Swamp constrain siting on many parcels.

Cost scenarios

ScenarioSq ft PermitBuildTotal
minimum 200 $1,800 $47,400 $49,200
600 600 $1,800 $142,200 $144,000
maximum 900 $1,800 $213,300 $215,100
Fee breakdown (as of 2026-04)
Plan review$720
Building permit$900
Impact fees$180
Total$1,800

Permitting process

Typical duration175 days
Backlog35 days

Viability (permitted uses)

  • Long-term rental: yes Long-term rental of an ADU is generally permitted; Virginia landlord-tenant law (Va. Code Section 55.1-1200 et seq., Virginia Residential Landlord and Tenant Act) governs.
  • Short-term rental: with-restrictions STR is generally treated as a use of the underlying residential classification, subject to the Virginia Transient Occupancy Tax administered by the Commissioner of the Revenue. Owners using a CUP-approved second dwelling for STR should anticipate STR review may be a condition during CUP hearing.
  • Office rental: with-restrictions Detached office rental requires home-occupation approval 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 districts expressly permit farm structures and limited livestock; family-member farm-labor dwellings are permitted on minimum-acreage parcels.
  • Relative support: yes Family / multi-generational accessory dwelling under family-member dwelling allowance is the most common ADU pattern.

Contacts

DepartmentCity of Chesapeake planning, zoning, and building inspections

Staff: Counter Staff (Zoning Administrator / Building Official)

Utilities

  • Water: Mix of public water in service-district pockets and private wells; provider varies by parcel · 45d connect · $8,500
  • Sewer: Private septic system common; public sewer limited to in-town pockets · 60d connect · $12,000
  • Electric: Dominion Energy Virginia or local electric cooperative (varies by parcel) · 30d connect · $2,400
  • Gas: Bottled propane is the rural norm; limited natural-gas distribution near urban cores · 14d connect · $1,900

Property values & taxes

Median value$360,000
Median tax$3,924/yr
Effective rate1.1%

Construction timeline

Detached build28 weeks
Conversion16 weeks
Contractor lead6 months

Realistic total: best 9mo · typical 14mo · worst 20mo

Modular pathway inspectors are experienced with modular

Financing

Insurance impact

Annual premium delta$540
Landlord policyrecommended
Umbrella threshold$1M umbrella when renting; flood and waterfront exposure can drive premium upward considerably; SFHA flood insurance applies on most parcels.

HOA prevalence & preemption

State HOA preemptionno

Virginia has no HOA-ADU preemption.

Regulatory overlays (2)

  • wetland-overlay
    City of Chesapeake is fully Tidewater under CBPA. RPA 100-ft buffers from Elizabeth River, Northwest River, Great Dismal Swamp, and tidal wetlands restrict ADU siting near shorelines. Most southern-Chesapeake parcels carry RPA or RMA designation. (map)
  • flood-zone
    Significant portion of Chesapeake intersects mapped FEMA Special Flood Hazard Area; Floodplain Development Permit and Elevation Certificate required. (map)
Technical envelope (climate & building code)

Climate & energy code

IECC climate zone4A
Heating degree days4,000
Cooling degree days1,750
Design low / high18°F / 93°F
Frost depth12"
Design snow load10 psf
Wind design speed130 mph
Seismic design cat.B
Annual rainfall45"
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

Contractor market (aggregate)

Licensed residential GCs380
Laborer median wage$18/hr

Known issues (2)

  • other — Many waterfront ADUs require AOSS septic, elevation above Base Flood, and architectural setbacks beyond standard zoning, adding $20K-$60K above interior comparable projects.
  • other — Permit pathway is single-jurisdiction with no county overlay, simplifying coordination compared to town-in-county scenarios.
City of Chesapeake — county ADU rules and overlays

County ADU ordinance

The City of Chesapeake does NOT maintain a standalone accessory-dwelling-unit ordinance with codified definitional and dimensional standards. ADUs in Chesapeake are regulated indirectly through the Zoning Ordinance's treatment of 'accessory uses,' 'accessory structures,' and 'family member dwellings' as supplementary uses in residential and agricultural zoning districts. The relevant residential districts are R-MF-1 / R-MF-2 (multifamily), R-12 / R-15 / R-MH (single-family), R-6S (small-lot single-family), R-8 / R-10 / R-15S, and R-E (estate residential, typically 1-acre minimum or larger), plus the agricultural / rural districts A-1 (Agricultural) and the Conservation district. In the A-1 Agricultural District (which covers the great majority of land in southern and western Chesapeake including the Great Bridge / Hickory / Pleasant Grove / Western Branch rural fringes), a 'family member dwelling' or farm-labor tenant dwelling is permitted by right subject to minimum lot acreage (typically 3+ acres for a family-member dwelling, with documented bona-fide family relationship), demonstrated agricultural-use connection or family-occupancy, and Zoning Administrator approval; a fully independent second dwelling for non-family occupancy typically requires a Conditional Use Permit from City Council after Planning Commission recommendation. In the R-12 / R-15 / R-15S single-family residential districts (which cover the great majority of suburban Chesapeake including Greenbrier, Western Branch, Deep Creek, and most of the platted Great Bridge subdivisions), a 'guest cottage' or detached accessory structure without independent kitchen facilities is generally permitted by-right as an accessory structure subject to setback, height, and lot-coverage standards (typically max 25 percent of principal-dwelling floor area, max 15 feet building height, minimum 5-foot side setback for accessory structures, no separate utility metering unless explicitly approved); a second independent dwelling on the same parcel typically requires a Conditional Use Permit. In the R-E Estate Residential district (large-lot rural-residential along the eastern and southern fringes), guest cottages and accessory structures have somewhat more latitude given the larger minimum lot sizes. Internal (attached) ADUs created within an existing single-family dwelling - for example, a basement apartment or a converted garage with a second kitchen - typically require a Conditional Use Permit because the Zoning Ordinance defines a single-family dwelling as containing one and only one kitchen. Applicants should confirm current ordinance text with the Department of Planning before pricing a project - the ordinance is amended periodically and the Conditional Use Permit application path is the binding constraint on most ADU projects in Chesapeake.

County regulatory overlays

The City of Chesapeake administers several overlay regimes that bear materially on ADU projects, and the combination of Hampton Roads coastal-plain geography, Elizabeth River tidal frontage, and Great Dismal Swamp adjacency makes Chesapeake one of the more overlay-dense independent cities in Virginia. The relevant overlays are: (1) a Floodplain Management Overlay tied to FEMA Special Flood Hazard Areas (Article 19 of the Zoning Ordinance), which covers a substantial fraction of the city - Hampton Roads is one of the most flood-exposed metro areas in the United States given coastal-plain geometry, sea-level-rise trajectory, and the geological setting; (2) Chesapeake Bay Preservation Area jurisdiction across the entire city (Chesapeake is a Tidewater locality designated under Va. Code Section 62.1-44.15:67 et seq., Article 14 of the Zoning Ordinance), with Resource Protection Area (RPA) buffers of 100 feet from perennial water bodies and tidal wetlands and Resource Management Area (RMA) coverage on most remaining landward extent; (3) Virginia Marine Resources Commission (VMRC) tidal-wetlands and subaqueous-bottom jurisdiction reaching any project touching tidal waters, wetlands, dunes, or beaches; (4) Section 404 Clean Water Act jurisdictional wetlands across the southern and southwestern portions of the city (the Great Dismal Swamp National Wildlife Refuge covers approximately 100,000 acres straddling the Virginia-North Carolina line, and a substantial portion lies inside Chesapeake city limits - adjacent and proximate development triggers ACOE Norfolk District review); (5) the South Norfolk Historic District local overlay (the older urban core inherited from the pre-1963 City of South Norfolk merger), with Architectural Review Board review for exterior changes visible from a public right-of-way; (6) the Great Bridge battlefield vicinity NRHP listing (the December 1775 Battle of Great Bridge, a strategically pivotal early Revolutionary War engagement, is commemorated in a city park near Battlefield Boulevard); (7) the Dismal Swamp Canal Trail and the historic Dismal Swamp Canal corridor (NRHP-listed, the oldest continuously-operating man-made canal in the United States, originally surveyed by George Washington and constructed beginning in 1793). Chesapeake has NO California-style coastal commission (Virginia has no coastal-commission analog; coastal regulation flows through the CBPA, VMRC, ACOE, and local ordinance), NO CalFire-equivalent WUI regulatory overlay, and NO seismic-retrofit overlay.

County permitting (unincorporated parcels)

The City of Chesapeake's Department of Planning handles zoning permits, Conditional Use Permits, site plan review, subdivision review, and Chesapeake Bay Preservation Area administration for every parcel within city limits. The Department of Development and Permits issues building permits and trade permits. Because Chesapeake is an INDEPENDENT CITY (county-equivalent), there is no separate county to coordinate with - the city is its own permitting authority for all matters that would in a typical state involve both city and county. A typical ADU-like permit bundle in Chesapeake includes: (1) a Conditional Use Permit from City Council with Planning Commission recommendation, unless the parcel qualifies for an A-1 family-member or farm-labor dwelling allowance or the project can be structured as a no-kitchen 'guest cottage' accessory structure, (2) a Zoning Permit confirming use compliance and district setback compliance, (3) a Building Permit with stamped residential plans, (4) Electrical, Plumbing, and Mechanical trade permits, (5) Hampton Roads Sanitation District (HRSD) sewer-connection review for parcels within the HRSD service area (the great majority of urbanized Chesapeake), or a Virginia Department of Health Chesapeake Health District construction permit for well and septic on parcels not served by public water/sewer (limited to the rural fringe in southern and western Chesapeake), (6) a Floodplain Development Permit if any portion of the parcel is within the mapped Special Flood Hazard Area - which is a SUBSTANTIAL fraction of parcels in Chesapeake because the city has extensive Elizabeth River, Southern Branch / Eastern Branch / Western Branch tidal-river frontage, the Great Dismal Swamp drainage to the south and west, and pervasive low-lying coastal-plain topography, (7) a Chesapeake Bay Preservation Act review - Chesapeake IS a Tidewater locality subject to the CBPA, with Resource Protection Area (RPA) and Resource Management Area (RMA) rules applying across most of the city, (8) a Virginia Marine Resources Commission (VMRC) permit for any work below mean high water on tidal river frontage or encroaching on tidal wetlands, (9) a US Army Corps of Engineers permit where federal waters or jurisdictional wetlands are involved (the Great Dismal Swamp adjacency makes Section 404 review common in southern Chesapeake), and (10) Historic District review if the parcel is within a designated local historic overlay (notably South Norfolk Historic District, the smaller historic vicinity of Great Bridge battlefield, and scattered 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 Codes

  • 23320
  • 23321
  • 23322
  • 23323
  • 23324
  • 23325

Post Office

  • 1100 Battlefield Blvd S, 23322
  • 1103 Godwin Ave, 23324
  • 1210 Poindexter St, 23324
  • 1400 Northwest Blvd Ste 101, 23322
  • 1425 Battlefield Blvd N, 23320
  • 3810 Indian River Rd, 23325
  • 4300 Portsmouth Blvd Ste 174, 23321
  • 4417 Portsmouth Blvd, 23321
  • 857 George Washington Hwy N, 23323

Locale Names