Boones Mill

ADU Pass helps homeowners in Boones Mill, Franklin 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: 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). No statewide floor mandates ADU permissibility, ministerial review, minimum allowed size, or parking-requirement ceilings. Localities can prohibit ADUs entirely through their zoning ordinances.
Countywith-restrictions (Franklin County Zoning Ordinance does not govern town-incorporated parcels) — County zoning does not apply inside Boones Mill (incorporated-town authority operates concurrently).
Citywith-restrictions (Town of Boones Mill Zoning Ordinance, accessory-use provisions) — Boones Mill is a small incorporated town in northern Franklin County along US 220 in the foothills of the Blue Ridge Mountains, the gateway between Roanoke and Smith Mountain Lake. The Town of Boones Mill operates its own zoning ordinance for parcels inside town limits; Franklin County zoning governs the surrounding unincorporated area. ADUs in the town follow town zoning; in unincorporated Franklin, the Franklin County Zoning Ordinance applies. The town is in close commute distance to Roanoke and benefits from spillover residential demand.

Boones Mill is a small incorporated town in northern Franklin County along US 220 in the foothills of the Blue Ridge Mountains, the gateway between Roanoke and Smith Mountain Lake. The Town of Boones Mill operates its own zoning ordinance for parcels inside town limits; Franklin County zoning governs the surrounding unincorporated area. ADUs in the town follow town zoning; in unincorporated Franklin, the Franklin County Zoning Ordinance applies. The town is in close commute distance to Roanoke and benefits from spillover residential demand.

Cost scenarios

ScenarioSq ft PermitBuildTotal
minimum 200 $2,100 $46,920 $49,020
600 600 $2,100 $140,760 $142,860
maximum 900 $2,100 $211,140 $213,240
Fee breakdown (as of 2026-04)
Plan review$250
Building permit$950
Total$1,200

Permitting process

Typical duration90 days
Backlog14 days
  1. Town zoning consultation at Boones Mill Town Office (~7d)
    Speak with the Town Office (info@townofboonesmill.org / 540-334-5404) to confirm the ADU configuration is compatible with the town zoning ordinance and to identify whether the parcel sits in the Boones Mill Historic District (NRHP, listed 2011) for design-sensitivity guidance. The town does not operate a separate counter staff dedicated to zoning, so the Town Manager (B.T. Fitzpatrick III) or Clerk (Donna Hadley-Wires) routes inquiries.
  2. Town zoning permit / sign-off (~14d)
    Boones Mill town zoning approval is a prerequisite to any Franklin County building permit per the County's published procedure: 'Approvals from the appropriate Planning and Zoning Departments must be received prior to the issuance of the Building Permit.' The town reviews setbacks, district use compatibility, and parking before signing off.
  3. VDH-West Piedmont well/septic evaluation (if not on town water/sewer) (~30d)
    Boones Mill operates municipal water and sewer inside town limits, but parcels at the town edge or on private systems must obtain a VDH onsite-sewage evaluation demonstrating the existing system can absorb the additional dwelling. Required before the County will issue a building permit.
  4. Franklin County Building Permit application (~1d)
    File at Franklin County Building Inspections (1255 Franklin Street, Suite 103, Rocky Mount) - this office issues building permits for unincorporated Franklin and for the towns of Boones Mill and Rocky Mount under a single county-wide permitting system. Submit stamped plans per the 2021 Virginia Uniform Statewide Building Code (13 VAC 5-63). Online intake via countyoffranklinva.portal.opengov.com.
  5. Plan review by Franklin County (~14d)
    County advertises a residential plan review of approximately 5 business days; complex submittals or first-cycle correction letters extend this. Trade permits (electrical, plumbing, mechanical) are filed by Virginia DPOR-licensed contractors during or after plan review.
  6. Permit issuance and fee payment (~3d)
    Fees paid to Franklin County Building Inspections (kathy.angle@franklincountyva.gov / 540-483-3047). Town separately collects any utility connection fees on town water/sewer hookups.
  7. Construction inspections by Franklin County
    Footing, foundation, framing, rough-in (electrical/plumbing/mechanical), insulation, and final - all conducted by county inspectors. Inspections requested through the Franklin County permit portal.
  8. Certificate of Occupancy and town/county notice (~5d)
    Final inspection pass triggers the CO from Franklin County. The Franklin County Commissioner of the Revenue is notified for supplemental real-estate assessment (Boones Mill town tax piggybacks the county assessment).

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., the Virginia Residential Landlord and Tenant Act) governs.
  • Short-term rental: with-restrictions Franklin County regulates STRs through its zoning ordinance; SML-area STR demand is meaningful and governed by both the county zoning ordinance and FERC Project 2210 SMP for shoreline-related uses (boat slips, dock-rental considerations).
  • 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 districts expressly permit farm structures and the keeping of livestock subject to setback rules.
  • Relative support: yes Family / multi-generational accessory dwelling (often via the family/kinship-dwelling provision) is the most common pattern and is expressly permitted.

Contacts

DepartmentTown of Boones Mill Town Office (zoning) - Franklin County Building Inspections issues the building permit

Staff: B.T. Fitzpatrick III (Town Manager, Town of Boones Mill) fitzpatrick@townofboonesmill.org, Donna Hadley-Wires (Town Clerk/Treasurer (zoning intake routing)) dhadley-wires@townofboonesmill.org, Kathy Angle (Franklin County Building Inspections (issues building permit for Boones Mill)) kathy.angle@franklincountyva.gov

Utilities

  • Water: Town of Boones Mill Public Water · 40d connect · $6,000
  • Sewer: Town of Boones Mill Wastewater · 60d connect · $9,500
  • Electric: Appalachian Power Company (AEP) for most of Franklin; some American Electric Power coverage · 30d connect · $2,400
  • Gas: Limited natural-gas distribution; Roanoke Gas serves Boones Mill / Rocky Mount corridor; bottled propane is the norm elsewhere · 14d connect · $1,900

Property values & taxes

Median value$215,000
Median tax$1,312/yr
Effective rate0.6%

Construction timeline

Detached build28 weeks
Conversion16 weeks
Contractor lead6 months

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

Modular pathway inspectors are occasional with modular

Financing

Insurance impact

Annual premium delta$400
Landlord policyrecommended
Umbrella threshold$1M umbrella when renting; lakefront SML or premium-market property may warrant $2M+.

HOA prevalence & preemption

State HOA preemptionno

Virginia has no HOA-ADU preemption. HOA covenants restricting ADUs are enforceable.

Technical envelope (climate & building code)

Climate & energy code

IECC climate zone4A
Heating degree days4,400
Cooling degree days1,500
Design low / high14°F / 92°F
Frost depth16"
Design snow load20 psf
Wind design speed115 mph
Seismic design cat.B
Annual rainfall44"
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)

  • other — Onsite-sewage capacity for the existing primary dwelling plus the proposed ADU must be demonstrated; existing systems may need upgrade.
Franklin County — county ADU rules and overlays

County ADU ordinance

Franklin County regulates accessory dwelling units through its county Zoning Ordinance (codified as Chapter 25 of the Franklin County Code, with the subdivision ordinance as Chapter 20), administered by the Franklin County Department of Planning and Community Development under the authority of the Franklin County Board of Supervisors. Virginia is a Dillon Rule state and the General Assembly has not enacted any statewide ADU preemption; Franklin 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 ordinance establishes Agricultural (A-1), Residential (R-1, R-2, R-3), Waterfront Residential (SLR, Smith Mountain Lake Residential), Commercial, and Industrial districts; a single dwelling per lot is the default in the standard residential and agricultural districts, and a true detached second dwelling on a single parcel requires either a family/kinship-dwelling exemption where recognized, a Special Use Permit approved by the Board of Supervisors following Planning Commission recommendation, or lot subdivision to place the second dwelling on its own parcel. Franklin County does not have a standalone ministerial ADU ordinance of the California / Oregon / Washington type — ADU-style second dwellings are typically approved either (a) as family/kinship dwellings in A-1 or certain residential districts where the zoning ordinance so provides, (b) via Special Use Permit, or (c) by recording a minor subdivision. The practical effect is that a homeowner cannot rely on an 'ADU by-right' framework; each project is subject to zoning-district analysis and, in the common case of a non-kin renter on a lake-area parcel, a discretionary Special Use Permit process. The county seat is Rocky Mount, which is a separate town within Franklin County with its own zoning ordinance; the Town of Boones Mill and Town of Rocky Mount corporate limits are both carved out of the county's unincorporated geography.

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. Franklin 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

Franklin County administers or is subject to several overlay regimes that materially affect ADU siting on unincorporated parcels: (1) Smith Mountain Lake Shoreline Management Plan — the single most significant county-level overlay for ADU purposes. Smith Mountain Lake is an approximately 20,600-acre reservoir impounded by Appalachian Power Company (a subsidiary of AEP) under Federal Energy Regulatory Commission license for the Smith Mountain Pumped Storage Project (FERC Project No. 2210). Franklin County shares the lake with Bedford County and Pittsylvania County; Franklin County has the largest share of lake frontage and the majority of lakeside residential development (Hardy, Moneta, Scruggs, Penhook, Union Hall, Westlake, Hales Ford areas). Shoreline development on lake-frontage parcels is subject to Appalachian Power's Shoreline Management Plan in addition to county zoning, which materially constrains accessory structures and second dwellings near the shoreline; (2) FEMA Special Flood Hazard Areas along the Blackwater River, Pigg River, Roanoke River backwaters (Smith Mountain Lake), Maggodee Creek, and other tributaries, with NFIP floodplain regulations administered through the county's floodplain ordinance; (3) Agricultural and Forestal Districts (AFDs) established under Va. Code § 15.2-4300 et seq., which provide participating landowners use-value taxation and subdivision-deferral protections in exchange for a commitment to keep land in agricultural or forestal use — an ADU on an AFD-enrolled parcel is permitted but subject to AFD-specific review; (4) Chesapeake Bay Preservation Act applicability — Franklin 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; (5) wildfire risk — Franklin County has wildfire risk tracked by the Virginia Department of Forestry, particularly in the Blue Ridge foothills in the western and southern parts of the county and on parcels adjacent to forest land, but Virginia does not have a California-style Very High Fire Hazard Severity Zone regulatory overlay with mandatory ignition-resistant-construction requirements (the Virginia Statewide Building Code does incorporate limited wildland-urban interface provisions only where locally adopted); (6) Blue Ridge Parkway adjacency — Franklin County's western edge includes Blue Ridge Parkway frontage in the Callaway/Ferrum vicinity, with scenic-corridor considerations for parcels in the Parkway viewshed. Franklin County does not have a historic district overlay of the federal or state type covering large portions of the unincorporated county, though individual properties may be listed on the Virginia Landmarks Register or National Register — and the county's moonshine-era sites and early-20th-century rural architecture have produced scattered individual listings rather than a contiguous district.

  • Smith Mountain Lake Shoreline Management Plan (Appalachian Power / FERC Project 2210) — Smith Mountain Lake is an artificial reservoir created by the Smith Mountain Dam and the downstream Leesville Dam, owned and operated by Appalachian Power Company under a Federal Energy Regulatory Commission license for the Smith Mountain Pumped Storage Project (FERC Project No. 2210, relicensed in 2009 for 30 years through 2039). Franklin County has the largest share of the lake's approximately 500 miles of shoreline. Appalachian Power administers a Shoreline Management Plan (SMP) that establishes permitting requirements for docks, boathouses, shoreline stabilization, vegetation clearing, and any structure within the licensed project boundary (generally the 800-foot elevation contour plus a defined project-boundary setback). For an ADU-style project proposed on a lake-frontage parcel, the Appalachian Power SMP is the controlling additional permit beyond county zoning: accessory structures within the project boundary require an SMP permit, and structures above the project boundary but on lake-frontage parcels are still subject to the county's SLR zoning-district standards and any subdivision covenants. Franklin County's zoning ordinance codifies an SLR (Smith Mountain Lake Residential) district that applies specific lake-oriented standards to lake-frontage parcels, including setbacks, maximum impervious coverage, and vegetation retention. This is the single most distinctive county-level overlay in Franklin County for ADU purposes. Owners of lake-frontage parcels should contact Appalachian Power Shoreline Management in Roanoke as well as Franklin County Planning at the earliest planning stage. Lake-frontage ADU projects frequently require sequenced SMP/county-zoning/building-permit/VDH approvals and cannot proceed out of order.
  • FEMA National Flood Insurance Program — Special Flood Hazard Areas — Franklin 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 Blackwater River (Rocky Mount area), Pigg River, Maggodee Creek, and the backwaters and tributaries feeding Smith Mountain Lake. 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, anchoring requirements, and post-construction Elevation Certificate filing. Lake-adjacent parcels may be partly in SFHA and partly outside; the exact floodplain boundary and effective BFE must be determined from the current-effective FIRM panel and any parcel-specific Letter of Map Amendment/Revision. Owners should confirm current-effective FIRM panel at the FEMA Map Service Center before design; FEMA periodically updates Virginia county maps and the Smith Mountain Lake panels have been restudied in the post-2010 map-modernization cycle.
  • Franklin County SLR — Smith Mountain Lake Residential zoning district and lake-area subdivision standards — Franklin County's zoning ordinance establishes a Smith Mountain Lake Residential (SLR) district that applies to most lake-frontage parcels in the northern and northwestern part of the county. SLR incorporates lake-oriented standards including shoreline setbacks, maximum impervious coverage to protect water quality, vegetation-retention requirements, and dock/pier integration with the Appalachian Power SMP. For ADU-style projects on SLR parcels, the county's lake-district standards apply in addition to (not in lieu of) the SMP requirements. The county's subdivision ordinance also contains lake-area-specific provisions limiting lot creation density on the lake side of certain roads. Applicants on lake-frontage parcels should obtain a current zoning-verification letter from the Planning and Community Development office early in the project to confirm SLR applicability and lake-area subdivision constraints.
  • Virginia Agricultural and Forestal Districts (local option under state law) — Franklin County has 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 use. Franklin County has a substantial agricultural base (tobacco historically, cattle, timber, wine grapes in the Ferrum/Callaway vicinity); a significant acreage is in AFD enrollment. An ADU on an AFD-enrolled parcel is generally permitted if it is an accessory use to continued agricultural operation (e.g., a farm-labor dwelling or family-kinship dwelling), but non-agricultural commercial-rental ADUs may conflict with AFD purposes and trigger AFD Advisory Committee review. Owners should consult the Franklin County AFD Advisory Committee and the zoning administrator before assuming ADU compatibility.
  • Virginia Department of Forestry wildfire risk and Virginia Statewide Building Code WUI provisions — Virginia has wildfire risk in the Blue Ridge and Appalachian counties, and Franklin County's western and southern edges in the Blue Ridge foothills (Ferrum, Callaway, Endicott, Charity) have elevated wildfire exposure, particularly on forest-adjacent and steep-slope parcels. 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. The Virginia Uniform Statewide Building Code, which is the single statewide building code (localities cannot impose more stringent building standards), does include Appendix K of the International Wildland-Urban Interface Code only where adopted; Virginia has not statewide-adopted the IWUIC. Owners in wildfire-exposed Franklin County locations should follow best practices but face no locality-imposed WUI construction overlay analogous to California Chapter 7A.
  • Blue Ridge Parkway adjacency (federal scenic corridor) — Franklin County's western edge includes Blue Ridge Parkway frontage in the Callaway/Ferrum vicinity. The Parkway is federally managed by the National Park Service; federal regulation applies to activities within the Parkway boundary, not to private parcels outside it. However, county zoning and subdivision have historically considered scenic-corridor impacts on the Parkway viewshed (per National Park Service cooperative policy), and individual deed restrictions or scenic easements may apply to specific parcels along the corridor. Owners of parcels adjacent to the Parkway should check the zoning overlay (if any) in effect for their specific parcel and any recorded scenic easements before designing an accessory dwelling with visibility from the Parkway.

County permitting (unincorporated parcels)

The Franklin County Department of Planning and Community Development (zoning side) together with the Franklin County Building Inspections Department (construction side) 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 Town of Rocky Mount and the Town of Boones Mill). Franklin County comprises approximately 692 square miles of mixed rural, agricultural, forest, and lakefront territory in southwestern Virginia south of Roanoke, with Smith Mountain Lake dominating the northern third of the county and creating a distinctive waterfront submarket. The Town of Rocky Mount (the county seat) and the Town of Boones Mill are the only incorporated places inside the county; all other populated places (Ferrum, Callaway, Glade Hill, Hardy, Henry, Penhook, Union Hall, Wirtz, Moneta [shared with Bedford County], Westlake Corner, Hales Ford, Scruggs, etc.) are unincorporated communities permitted by the county. For an ADU-style project in the unincorporated county, the typical sequence is: (a) zoning determination (permitted by right, permitted via Special Use Permit, or prohibited); (b) if SUP required, application to the Planning Commission and Board of Supervisors; (c) on lake-frontage parcels, coordination with Appalachian Power's Smith Mountain Lake Shoreline Management Plan (FERC Project 2210); (d) Virginia Department of Health approval for well and septic on unserved parcels; (e) building permit application to county Building Inspections; (f) inspections through construction; (g) certificate of occupancy.

DepartmentFranklin County Department of Planning and Community Development (zoning, subdivision, SUP) and Franklin County Building Inspections (construction permits)
Address1255 Franklin Street, Rocky Mount, VA 24151 (Franklin County Government Center)
Phone540-483-3027 (Planning and Community Development); 540-483-3030 (Building Inspections)
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

  • 24065

Post Office

  • 60 Main St, 24065