ADU Pass
Mount Holly
ADU Pass helps homeowners in Mount Holly, No 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
An ADU at a Mount Holly parcel requires Westmoreland County Land Use Administration zoning permit, building permit, and Virginia Department of Health septic-system review. Size is capped at 1,200 sqft and only one ADU is permitted per lot. Parcels near the Potomac, Nomini Creek, or Bay tributaries trigger CBPA RPA review.
Cost scenarios
Permitting process
Viability (permitted uses)
- Long-term rental: with-restrictions Permitted under the 1,200 sqft / one-per-lot rule and subject to subordination to the principal dwelling.
- Short-term rental: with-restrictions Northern Neck waterfront tourism (Potomac, Nomini Creek, Stratford Hall nearby) supports moderate STR demand. Westmoreland County's STR registration is separate from the ADU zoning permit.
- Office rental: unclear Commercial office tenancy in an accessory residential structure typically requires rezoning.
- Home office: with-restrictions Home occupation by the owner is generally permitted under standard county conditions.
- Studio / workshop: yes Personal studio use by the owner is a normal accessory use.
- Agriculture: yes A-1 General Agricultural district is the dominant zoning around Mount Holly; farm-related accessory dwellings are routine.
- Relative support: yes Family-occupancy accessory dwelling is the canonical use case.
Incentives
Contacts
Utilities
- Water: Private well (Mount Holly is not on public water; Westmoreland County's public water service is concentrated near Montross and Colonial Beach)
- Sewer: Private septic (Virginia Department of Health regulated)
- Electric: Dominion Energy Virginia serves the Northern Neck including Mount Holly
Property values & taxes
Construction timeline
Modular pathway Virginia Industrialized Building Safety Law (IBSL)
Northern Neck access via US Route 360 and VA Routes 3 and 202; the Harry W. Nice Memorial / Governor Harry W. Nice Bridge on US 301 to Maryland is a route consideration for inbound deliveries from the north.
Insurance impact
Potomac- and Nomini-adjacent parcels typically require NFIP flood insurance for federally-backed mortgages.
HOA prevalence & preemption
Glebe Harbor / Cabin Point and a few other Westmoreland subdivisions in the area do have HOA structures; most Mount Holly rural parcels are not under restrictive covenants.
Regulatory overlays (2)
- wetland-overlay
Chesapeake Bay Preservation Act RPA applies to all Westmoreland County parcels with Potomac, Nomini Creek, or tributary frontage. 100-foot disturbance buffer from mean high water and tidal wetlands. - flood-zone
Parcels along the Potomac and Nomini Creek floodplains in the Mount Holly area fall within FEMA AE-zone special flood hazard areas. Verify the parcel's flood zone via the FEMA Map Service Center.
Technical envelope (climate & building code)
Climate & energy code
Building code
Legal history (timeline)
Current ordinance: Westmoreland County Code Chapter 70 (Zoning) — Article 4 Supplemental Regulations
- 2023-11-01 — Westmoreland County Chapter 70 Zoning — Article 4 Supplemental Regulations current edition (county-ordinance)
Current Article 4 Supplemental Regulations text including the 1,200 sqft and one-per-lot ADU rule.
Effect: Establishes the operative ADU rules applied to Mount Holly parcels. - 2024-01-18 — Virginia Uniform Statewide Building Code (USBC) 2021 edition adopted (state-law)
Virginia DHCD adoption of the 2021 IRC/IBC base with Virginia amendments.
Effect: Sets the technical envelope (egress, R-values, ventilation) any Mount Holly ADU must be built to. - 2026-04-14 — Virginia SB531 signed by Governor Spanberger — statewide ADU mandate (state-law)
Statewide by-right ADU framework with delayed effective date July 1, 2027. $500 permit-fee cap, no-stricter-setback rule, standardized ADU definitions. Pre-January-2026 local ADU ordinances exempt.
Effect: Westmoreland County Chapter 70 already includes an ADU framework, so the county likely qualifies as a pre-2026 exempting ordinance. The 1,200 sqft cap and one-per-lot rule would survive the SB531 standardization.
Known issues (1)
- policy-review — Virginia SB531 effective July 1, 2027 sets a $500 permit-fee cap and by-right framework; Westmoreland County's existing Chapter 70 ADU rules predate 2026 and likely exempt, but the county may update for alignment. (source)
County: no attribution (synthetic bucket)
No county
This city sits in the state's "no county" bucket — its ADU rules derive directly from state law and city ordinance without a county intermediary. No county-level sections apply.
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
- 22524
Post Office
- 4375 Cople Hwy, 22524