Smithfield
Isle of Wight County portion
Also in: No County
ADU Pass helps homeowners in Smithfield, Isle of Wight 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
Smithfield is an incorporated town in northern Isle of Wight County on the Pagan River, founded in 1752 and listed on the National Register of Historic Places. The town is the headquarters and processing center of Smithfield Foods (one of the world's largest pork producers), the historic home of Smithfield ham (a country-cured ham with PGI-style geographic identity), and a Hampton Roads tourism destination with a preserved 18th- and 19th-century downtown along Main Street, Grace Street, and Church Street. Smithfield Town Council is the controlling zoning authority within town limits; county-wide overlays such as the Chesapeake Bay Preservation Act program still apply concurrently. Smithfield sits on the Pagan River; CBPA RPA 100-ft buffers from the Pagan River and tidal-creek shorelines apply countywide. The town also administers a local Historic District overlay covering Old Town Smithfield.
Cost scenarios
| Scenario | Sq ft | Permit | Build | Total |
|---|---|---|---|---|
| minimum | 200 | $1,700 | $55,120 | $56,820 |
| 600 | 600 | $1,700 | $165,360 | $167,060 |
| maximum | 900 | $1,700 | $248,040 | $249,740 |
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 Section 55.1-1200 et seq., the Virginia Residential Landlord and Tenant Act) governs.
- Short-term rental: with-restrictions Isle of Wight County regulates STRs through its zoning ordinance; STR of an ADU typically requires registration and Transient Occupancy Tax compliance (Va. Code Section 58.1-3819 et seq.).
- 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 is the most common pattern and is expressly permitted under family-member dwelling provisions.
Contacts
Staff: Planning and Zoning Department (Zoning Administration / CBPA Program)
Utilities
- Water: Town of Smithfield Public Utilities · 45d connect · $4,500
- Sewer: Town of Smithfield Public Utilities (HRSD regional treatment) · 45d connect · $6,500
- Electric: Dominion Energy Virginia · 30d connect · $2,400
- Gas: Limited natural-gas distribution; bottled propane is the norm in rural areas · 14d connect · $1,900
Property values & taxes
Construction timeline
Realistic total: best 9mo · typical 13mo · worst 22mo
Modular pathway inspectors are occasional with modular
Financing
State ADU loans:
Insurance impact
HOA prevalence & preemption
Virginia has no HOA-ADU preemption (Va. Code Title 55.1). HOA covenants restricting ADUs are enforceable. HOAs are more common in suburban / planned developments than in rural unincorporated communities.
Regulatory overlays (3)
- wetland-overlay
Pagan River and Cypress Creek RPA 100-ft buffers materially restrict ADU siting near shorelines. (map) - flood-zone
FEMA SFHA along the Pagan River, Cypress Creek, and James River. AE / VE zones near tidal shorelines. (map) - historic-district
Old Town Smithfield is listed on the National Register of Historic Places. The town administers a local Historic Preservation overlay; exterior modifications and new accessory structures in the district require Historic Preservation Commission review. (map)
Technical envelope (climate & building code)
Climate & energy code
Building code
Amendments:
- Amendment
Contractor market (aggregate)
Legal history (timeline)
Current ordinance: Isle of Wight County Zoning Ordinance (Appendix B of the Code) (governs Smithfield), adopted multiple — periodically amended, last amended rolling text amendments by Board of Supervisors per Va. Code Section 15.2-2285
- 1979-01-01 — Va. Code Section 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 — Adds 60-180 days to wall-clock timeline depending on which review layer applies; budget for additional consulting fees on RPA exception or ARB approval.
Isle of Wight County — county ADU rules and overlays
County ADU ordinance
Isle of Wight County, Virginia regulates accessory dwellings under its Zoning Ordinance (Appendix B of the Isle of Wight County Code). As of 2026-04-21, Isle of Wight County has NOT enacted a modern ADU-preemption-style ordinance permitting detached ADUs ministerially by right on all single-family-residential parcels. The ordinance permits 'accessory apartments' and related family-member / guest-house arrangements under narrow conditions in certain residential and rural-agricultural districts, typically subject to minimum lot area, owner-occupancy of the primary dwelling, size caps (commonly expressed as a percentage of the primary dwelling's gross floor area or as an absolute square-foot cap, whichever is less), familial-relationship requirements for family-member units, and in many districts a conditional-use-permit or special-use-permit (SUP) process administered by the Planning Commission and Board of Supervisors. Virginia is a Dillon Rule state with no statewide ADU preemption (see src/data/state-adu-research/virginia.json for the full state framework) — ADU preemption bills have been introduced in the 2022, 2023, 2024, and 2025 General Assembly sessions without enactment. Isle of Wight County's ordinance therefore operates without any state floor that would mandate permissibility, ministerial review, fee caps, or removal of owner-occupancy restrictions. Applicants planning an accessory dwelling in Isle of Wight County should (a) first determine whether the parcel is inside the Town of Smithfield or the Town of Windsor — if so, the town's own zoning ordinance controls the ADU use permission (though county-wide overlays still apply) — otherwise the county's Appendix B controls; (b) confirm the parcel's zoning district on the county's GIS / parcel-lookup viewer; (c) consult the use table in the applicable zoning district chapter of Appendix B for accessory-apartment and family-member-dwelling eligibility; (d) check the supplementary-regulations chapter for lot-area and owner-occupancy conditions; (e) identify whether the parcel sits inside any of the county's overlay districts (Chesapeake Bay Preservation Area Resource Protection Area, FEMA Special Flood Hazard Area, Historic District overlay covering specific designated areas, airport noise zone for the Franklin Municipal Airport approach surfaces to the south, or military-compatibility-planning areas associated with Joint Base Langley-Eustis across the James River); and (f) engage Planning and Zoning Department staff pre-application.
- Isle of Wight County Code, Appendix B (Zoning Ordinance) — use table, accessory-structure regulations, accessory-apartment and family-member-accessory-dwelling supplementary regulations; Appendix B overlay district provisions (Chesapeake Bay Preservation Area, Floodplain Management, Historic Overlay where designated, Airport Safety Overlay where applicable)
- Virginia Code § 15.2-2280 et seq. (zoning enabling authority for Virginia counties); § 15.2-2286 (provisions that may be included in a zoning ordinance); § 15.2-2285 (procedure for adopting and amending a zoning ordinance); § 15.2-2310 (Board of Zoning Appeals); Dillon Rule doctrine
- Va. Code Title 62.1 Chapter 3.1 Article 2.5 (Chesapeake Bay Preservation Act — § 62.1-44.15:67 et seq.); 9VAC25-830 et seq. (CBPA regulations); Isle of Wight County Chesapeake Bay Preservation Area ordinance
- Isle of Wight County Comprehensive Plan
State-floor overlay: Virginia has NOT enacted a statewide ADU preemption law. Va. Code § 15.2-2280 et seq. delegates zoning authority to counties, independent cities, and towns, subject to Planning Commission procedure and advertised public hearing under § 15.2-2285. No state floor mandates ADU permissibility, ministerial review, minimum allowed size, parking-requirement ceilings, or removal of owner-occupancy requirements. Localities can and do heavily condition or prohibit ADUs under this framework. ADU preemption bills have been introduced in the 2022, 2023, 2024, and 2025 Virginia General Assembly sessions without enactment. Isle of Wight County's Zoning Ordinance and the Town of Smithfield and Town of Windsor ordinances therefore operate without a state ceiling on local restrictions — whatever the local ordinance says controls. See src/data/state-adu-research/virginia.json for the full statutory framework.
County regulatory overlays
- wetland-overlay — Applicants should always pull a parcel's RPA/RMA overlay on the county GIS viewer before siting any detached accessory dwelling; a structure inside the RPA buffer will trigger administrative review requirements at minimum, and frequently leads to relocation of the proposed building envelope outside the buffer as the cheapest compliance path. The Virginia DEQ provides statewide CBPA guidance at deq.virginia.gov/our-programs/water/chesapeake-bay; VMRC handles tidal-wetland and subaqueous-bottom permitting at mrc.virginia.gov. Isle of Wight County has historically participated actively in CBPA implementation reviews and maintains its own program documentation on the Planning and Zoning Department web pages.
- flood-zone — FIRM maps published by FEMA are the authoritative flood-zone source; the county's GIS viewer overlays current effective FIRMs on the parcel layer. Finished-floor elevation requirements for residential construction in SFHAs typically require the lowest floor (including basement) to be at or above the base-flood elevation (BFE), with freeboard commonly imposed above BFE per local ordinance. Flood-zone status also affects flood-insurance cost under NFIP Risk Rating 2.0, which has significantly changed premium structure since its 2021-2023 rollout. Hampton Roads localities including Isle of Wight County are engaged in regional sea-level-rise and shoreline-resilience planning through the Hampton Roads Planning District Commission (HRPDC) and its sea-level-rise / coastal-resilience initiatives; applicants in coastal zones should factor long-term flood-risk trajectory into ADU siting decisions.
- historic-district — Register-listed status (National or Virginia) alone does NOT by itself create a local review requirement; only locally-designated historic-overlay district status does. However, federal preservation tax incentives and state rehabilitation tax credits (administered by the Virginia Department of Historic Resources at dhr.virginia.gov) do apply to register-listed properties and can materially improve the economics of an ADU-adjacent rehab if the property qualifies. Applicants building an ADU adjacent to a register-listed landmark should also check whether any federally-assisted aspect of the project (Section 106 of the National Historic Preservation Act) applies.
- airport-noise-zone — Applicants building an accessory dwelling in the southwestern portion of the county should check parcel status against any Airport Safety Overlay on the county GIS viewer. Height restrictions are the most common constraint for parcels within transitional surfaces; residential-use compatibility and real-estate disclosure obligations apply within designated noise contours where adopted. The county does not prohibit residential use within noise zones but does require acknowledgement in parcels subject to the overlay.
- other — Regional compatibility planning is a recurring topic in Hampton Roads planning. Applicants should check the county GIS viewer for any parcel-specific military-compatibility or emergency-planning overlay flags, and consult Planning and Zoning Department staff for current guidance on how regional policies have been incorporated into local review. The Surry Nuclear Power Station EPZ is administered through Surry County and the Commonwealth's VDEM; Isle of Wight's portion of the EPZ primarily generates emergency-preparedness obligations rather than construction restrictions.
County permitting (unincorporated parcels)
For parcels outside the Town of Smithfield and the Town of Windsor (that is, every parcel in the large unincorporated portion of Isle of Wight County including Carrollton, Rushmere, Benns Church, Zuni, Walters, Ivor, Carrsville, Battery Park, and the Isle of Wight courthouse community), the county is the permitting authority. The Isle of Wight County Planning and Zoning Department (zoning compliance, subdivision review, comprehensive-plan consistency, CBPA administration) and the Isle of Wight County Department of Inspections / Building Inspections (building-code plan review, permits, inspections under the Virginia Uniform Statewide Building Code) jointly administer the two-track review that any accessory-dwelling application must complete: (a) a zoning-compliance determination under Appendix B of the county code confirming the proposed accessory dwelling fits a permitted or conditionally-permitted category in the parcel's zoning district and satisfies any overlay-district requirements; and (b) a building-code plan review and inspection cycle confirming compliance with the Virginia Uniform Statewide Building Code (USBC), which incorporates the Virginia Residential Code and associated state-adopted supplements. For parcels where Appendix B does not permit a second dwelling by right, the applicant must first obtain a conditional-use permit (CUP) or special-use permit (SUP) through the Planning Commission and Board of Supervisors, or in some cases a variance through the Board of Zoning Appeals (BZA) under Va. Code § 15.2-2309. For parcels inside the Town of Smithfield or the Town of Windsor, the town's own Planning / Zoning office is the zoning authority; however, the county's Department of Inspections typically handles building-code inspections under a cooperative arrangement common among Virginia small towns, and the county's CBPA program applies to parcels in tidal portions of either town. Applicants should always verify the current permitting split by calling both the county and the town before filing.
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
- 23430
Post Office
- 234 Main St, 23430