Chesterfield

ADU Pass helps homeowners in Chesterfield, Chesterfield County, Virginia navigate the permit paperwork for building an accessory dwelling unit. This area covers 2 ZIP codes.

2 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 § 15.2-2280 grants counties, cities, and towns broad zoning authority subject to planning-commission procedure, hearing, and enabling-ordinance requirements (Dillon Rule). No statewide floor mandates ADU permissibility, ministerial review, minimum allowed size, or parking-requirement ceilings. Localities can prohibit ADUs entirely through their zoning ordinances. ADU bills introduced in 2022-2025 General Assembly sessions have not been enacted.
Countywith-restrictions (Chesterfield County Zoning Ordinance (Chapter 19.2, Zoning Ordinance Modernization / ZOMod)) — Chesterfield County's ZOMod (Zoning Ordinance Modernization) ordinance, effective January 1, 2026, addresses ADUs at Section 19.2-32-15. ADUs that meet all recommended conditions (12,000+ sqft lot, size cap, family occupancy, parking, setbacks, design) follow a streamlined administrative path with a $100 application fee and public notification. ADUs that deviate from any recommended condition require a full Conditional Use Permit with Planning Commission and Board of Supervisors public hearings (typically 4-6 months). Chesterfield is a major Richmond suburb with substantial growth pressure; the county contains no incorporated towns or cities, so the entire ~437 sqmi land area is unincorporated and subject solely to county jurisdiction.
Citywith-restrictions (Chesterfield County Zoning Ordinance (Chapter 19.2, Zoning Ordinance Modernization / ZOMod) (governs Chesterfield)) — Chesterfield is the unincorporated census-designated place that serves as the seat of Chesterfield County (the County Government Complex at 9800 Government Center Parkway sits in this CDP). The Chesterfield County ZOMod ordinance governs every parcel. Public water/sewer coverage from Chesterfield County Department of Utilities.

Chesterfield sits in unincorporated Chesterfield County and is governed by the Chesterfield County Zoning Ordinance (Chapter 19.2, Zoning Ordinance Modernization / ZOMod). Chesterfield is the unincorporated census-designated place that serves as the seat of Chesterfield County (the County Government Complex at 9800 Government Center Parkway sits in this CDP). The Chesterfield County ZOMod ordinance governs every parcel. Public water/sewer coverage from Chesterfield County Department of Utilities.

Cost scenarios

ScenarioSq ft PermitBuildTotal
minimum 200 $3,250 $57,000 $60,250
600 600 $3,250 $171,000 $174,250
maximum 1,000 $3,250 $285,000 $288,250
Fee breakdown (as of 2026-04)
Plan review$850
Building permit$1,450
Impact fees$950
Total$3,250

Permitting process

Typical duration95 days
Backlog18 days

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 Chesterfield 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

DepartmentChesterfield County Community Development — Planning Department

Staff: Planning Counter (Zoning Administrator / Planning Permit Intake), Building Inspections (Building Official)

Utilities

  • Water: Chesterfield County Department of Utilities (public water for the bulk of the urban / suburban county); private well in rural Matoaca and southern Chesterfield · 30d connect · $4,500
  • Sewer: Chesterfield County Department of Utilities (public sewer); private septic in rural Matoaca and southern Chesterfield · 45d connect · $6,500
  • Electric: Dominion Energy Virginia · 21d connect · $2,200
  • Gas: Columbia Gas of Virginia (public natural gas across most of the urban / suburban county) · 21d connect · $1,500

Property values & taxes

Median value$360,000
Median tax$3,276/yr
Effective rate0.9%

Construction timeline

Detached build28 weeks
Conversion16 weeks
Contractor lead4 months

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

Modular pathway inspectors are occasional with modular

Financing

Insurance impact

Annual premium delta$480
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. Newer subdivisions in suburban areas carry HOA covenants that often restrict accessory dwellings; rural parcels are typically not in an HOA.

Regulatory overlays (2)

  • flood-zone
    James River along the northern boundary, Appomattox River along the southern boundary, plus Swift Creek (Lake Chesdin / Swift Creek Reservoir), Falling Creek, and other tributaries carry FEMA SFHA mapping. Floodplain Development Permit required when any portion of the parcel is in the SFHA. (map)
  • wetland-overlay
    Chesterfield IS a Tidewater CBPA locality. Resource Protection Area 100-ft buffer from tidal waters, tributary streams, and wetlands restricts ADU siting near shorelines. (map)
Technical envelope (climate & building code)

Climate & energy code

IECC climate zone4A
Heating degree days4,000
Cooling degree days1,700
Design low / high18°F / 94°F
Frost depth14"
Design snow load15 psf
Wind design speed115 mph
Seismic design cat.B
Annual rainfall46"
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

Known issues (1)

  • policy-review — The streamlined administrative path with a $100 application fee makes Chesterfield one of the more ADU-permissive Richmond-area jurisdictions for compliant projects.
Chesterfield County — county ADU rules and overlays

County ADU ordinance

Chesterfield County's zoning ordinance, comprehensively rewritten as the Zoning Ordinance Modernization (ZOMod) project and effective January 1, 2026, replaces a 1970s-era code. Accessory Dwelling Units (the ordinance's term; historically called 'in-law suites' or 'accessory apartments') are addressed at Section 19.2-32-15 (Dwelling, Accessory). The ZOMod update retained the conditional-use-permit (CUP) pathway for ADUs that do not meet the ordinance's recommended conditions, while reducing the application fee for ADUs meeting the recommended conditions from $300 to $100. Under the March 2024 staff-proposed framework that informed ZOMod, ADUs are permitted on lots of 12,000 square feet or larger with a size cap of the greater of 800 square feet or 40% of the primary dwelling's finished floor area, one additional off-street parking space, and occupancy restricted to family members of the primary-dwelling occupants (rental to non-family members is prohibited). Both attached (e.g., basement apartment) and detached ADUs are allowed; to qualify as an ADU rather than a mere accessory structure, the unit must include a separate living space, sleeping area, bathroom, and full kitchen. Chesterfield's approach is meaningfully more restrictive than California's ministerial ADU regime — owner-occupancy / family-use is required, the CUP process remains the default pathway for ADUs not meeting all recommended conditions (with reduced public-hearing burden under ZOMod but not eliminated), and the 12,000 sqft lot minimum excludes many denser residential subdivisions.

State-floor overlay: Virginia is a Dillon Rule state: Chesterfield County's land-use authority is a delegated power from the General Assembly. The principal enabling statutes are Va. Code Section 15.2-2280 (general zoning power to classify districts, regulate size/use of structures, minimum lot areas, setbacks, parking) and Va. Code Section 15.2-2286 (procedural zoning powers including conditional use permits and administrative variances). The ADU-specific state floor is Va. Code Section 15.2-2291, which requires every Virginia locality to permit accessory apartments in single-family residential districts subject to 'reasonable conditions' the locality may impose on size, design, and use. Virginia has NOT enacted a preemptive statewide ADU ministerial-approval framework of the California / Oregon / Washington type; Chesterfield's requirement for family occupancy, 12,000 sqft minimum lot, and CUP-adjacent process would be preempted in those states but is lawful in Virginia so long as the conditions are 'reasonable' under Section 15.2-2291. The Virginia Housing Commission ADU Workgroup (active 2023-2025) studied whether to propose a preemptive state ADU law but as of the 2026 session no such bill has been enacted.

County regulatory overlays

Chesterfield County administers several county- and state-level overlay regimes that materially affect ADU siting: (1) the Chesapeake Bay Preservation Act (CBPA) Resource Protection Area (RPA) 100-foot riparian buffer, mandated by Va. Code Section 62.1-44.15:67 et seq. and administered locally by Chesterfield through the zoning and subdivision ordinances — RPA buffers protect all tidal and perennial non-tidal waters in the county and prohibit most new impervious surface within the 100-foot buffer; (2) the Flood Plain Management Ordinance (FEMA NFIP participant since March 1983, ordinance first adopted February 23, 1983) covering FEMA Special Flood Hazard Areas (SFHA) along the James River, Appomattox River, Swift Creek, Falling Creek, Proctors Creek, Pocoshock Creek, and numerous smaller tributaries, with the February 2024 effective FIRM panels providing the current regulatory floodplain map; (3) the Resource Management Area (RMA) buffer — the wider 'second-tier' CBPA buffer applied county-wide to 'intensely developed areas' as a Chesapeake Bay water-quality overlay; (4) airport noise and safety zones around the Richmond Executive-Chesterfield County Airport (FCI) and the broader Richmond International Airport (RIC, just across the James River in Henrico County, with its approach corridors crossing into northern Chesterfield); (5) airport noise and safety overlays around Defense Supply Center Richmond (DSCR) / Fort Lee airspace in the eastern county. Coastal Commission jurisdiction does NOT apply (Virginia has no California-style Coastal Commission; the CBPA is the functional analog). Very High Fire Hazard Severity Zones are NOT a Virginia regulatory category — Chesterfield has no WUI overlay comparable to California's CAL FIRE VHFHSZ system, though wildland fire risk exists in the rural Matoaca district. Historic districts in Chesterfield are locally designated; the notable ones are Historic Chesterfield Courthouse (around the 1749 courthouse complex) and several National Register properties.

  • Chesapeake Bay Preservation Act Resource Protection Area (RPA) — 100-foot buffer — ADU designs that cantilever over, or place impervious surface within, the 100-foot RPA buffer require an RPA Exception, which involves a Water Quality Impact Assessment, staff review, and Planning Commission public hearing. Adding roughly 30-60 days to the overall ADU timeline for an RPA Exception is typical. Owners with creek-adjacent parcels along Swift Creek, Falling Creek, or Proctors Creek should confirm RPA status via the county parcel viewer before design.
  • Chesterfield County Flood Plain Management Ordinance — FEMA NFIP participant — ADUs in an SFHA must have lowest floor elevated to or above Base Flood Elevation plus Chesterfield's freeboard, flood vents on any enclosed area below BFE, structural anchoring, and a post-construction Elevation Certificate. The substantial-improvement trigger (>50% of structure value) means a garage conversion or attached-unit addition to an existing flood-prone structure can cascade into full-structure floodplain compliance. Owners along Swift Creek, Falling Creek, the James, and the Appomattox should verify current FIRM status (2024 effective panels) before ADU design. Flood insurance is federally required for SFHA parcels with federally-backed mortgages.
  • Airport noise and safety zones — Richmond Executive-Chesterfield County Airport (FCI) and Richmond International Airport (RIC) approach corridors — ADU siting inside the FCI Airport Overlay District is subject to height limits (typically 35 feet or the district base height, whichever is lower, within the approach / departure surfaces), noise attenuation considerations for DNL 65+ dB areas, and avigation easement recording for new residential parcels. The overlay does not prohibit ADUs but does constrain detached two-story ADU designs in the approach corridors. Owners in southern Matoaca and around FCI should verify Airport Overlay status before a two-story detached ADU design.
  • Historic Chesterfield Courthouse area and locally-designated historic overlay districts — An ADU on a parcel within a locally-designated historic overlay district requires design review — typically staff review for minor additions, with Historic Preservation Committee review for more substantial proposals. Parcels that are individually National Register-listed but not in a local overlay are not subject to local design review for ADU additions (the National Register is informational / tax-credit-eligibility, not regulatory). Owners near the Courthouse complex should confirm overlay status before ADU design.

County permitting (unincorporated parcels)

Because Chesterfield County contains no incorporated towns or cities, the entire county's ~437 square miles of land area is 'unincorporated' for permitting purposes and the Chesterfield County Planning Department and Building Inspection office are the single point of contact for every residential ADU permit in the county. ADU permits follow a two-track process under the post-ZOMod 2026 ordinance: (a) an accessory dwelling that meets all the recommended conditions in Section 19.2-32-15 (12,000 sqft lot, size cap, family occupancy, parking, setbacks, design) goes through a streamlined administrative path with a $100 application fee and public notification rather than a full CUP hearing cycle; (b) an ADU that deviates from any recommended condition requires a full Conditional Use Permit, which involves Planning Department case-manager review, pre-application meeting, Technical Review Committee, a community meeting if the district commissioner requires one, a Planning Commission public hearing, and a Board of Supervisors public hearing. CUP processing typically takes four to six months. All ADUs, regardless of approval pathway, require building permits through Building Inspection and trade permits (electrical, plumbing, mechanical), and parcels not served by public water and sewer (common in rural Matoaca and southern Chesterfield) must demonstrate adequate septic capacity through the Virginia Department of Health / Chesterfield County Health Department.

DepartmentChesterfield County Community Development — Planning Department (zoning / CUP) and Building Inspection (building permits, inspections, trade permits)
Address9800 Government Center Parkway, Chesterfield, VA 23832 (Planning); 9800 Government Center Parkway, Chesterfield, VA 23832 / P.O. Box 40, Chesterfield, VA 23832 (Building Inspection)
Phone804-748-1050 (Planning) / 804-751-4990 (Building Inspection) / 804-751-4444 (inspection scheduling)
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

  • 23832
  • 23838

Post Office

  • 10221 Krause Rd, 23832