White Marsh

ADU Pass helps homeowners in White Marsh, No 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

Statewith-restrictions (Virginia Code Title 15.2, Chapter 22; Dillon Rule) — Virginia is a Dillon-Rule state. SB531 (signed April 14, 2026) establishes a statewide by-right ADU mandate with a $500 permit-fee cap, effective July 1, 2027. Local ordinances adopted before January 1, 2026 are grandfathered until the effective date.
Countywith-restrictions (Gloucester County Zoning Ordinance, Appendix B - Accessory Apartment and Accessory Dwelling provisions) — Gloucester County distinguishes accessory apartments (interior to principal dwelling) from accessory dwellings (detached). Accessory apartment size cap: 800 sqft or 35% (lots <2 acres) / 49% (lots >=2 acres) of principal-structure gross floor area, whichever is greater. Owner must occupy the principal dwelling as primary residence for some portion of the year.
Citywith-restrictions (Unincorporated - Gloucester County zoning controls) — White Marsh has no separate municipal government. Route 17 frontage parcels at the White Marsh Shopping Center area are typically zoned B-1 Business; surrounding lands are RC Rural Countryside or SC Suburban Countryside, with ADU rules varying by district.

Gloucester County permits accessory apartments and accessory dwellings with size caps and owner-occupancy. White Marsh's location on the US Route 17 commercial spine means many frontage parcels are commercially zoned where residential ADU rules do not apply; rural parcels east and west of Route 17 follow the standard residential framework.

Cost scenarios

Permitting process

  1. Confirm parcel zoning district with Gloucester County Planning & Zoning (~5d)
    White Marsh parcels span B-1 Business (Route 17 frontage near the White Marsh Shopping Center), SC Suburban Countryside, and RC Rural Countryside; ADU rules differ by district.
  2. VDOT US Route 17 entrance permit check (~14d)
    Many White Marsh parcels front US Route 17, a state primary highway; any new or modified driveway needs a VDOT Land Use Permit.
  3. Submit combined zoning/building permit application (~1d)
    Gloucester uses a paper-based combined zoning + building permit application at pub.gloco-sitedocs.com.
  4. Owner-occupancy attestation (~1d)
    Required under the accessory-apartment provisions of Appendix B.
  5. Septic / well capacity review by Virginia Department of Health (~30d)
    White Marsh parcels outside the limited public-utility corridor are on private well and septic; VDH must certify bedroom-load capacity.
  6. Building plan review by Gloucester County Building Inspection (~21d)
    Plan review for compliance with the Virginia Uniform Statewide Building Code and Appendix B accessory-apartment dimensional standards.
  7. Construction inspections and Certificate of Occupancy (~90d)
    Foundation, framing, MEP rough, insulation, final, and CO issuance.

Viability (permitted uses)

  • Long-term rental: with-restrictions Permitted subject to the county's owner-occupancy requirement.
  • Short-term rental: with-restrictions Gloucester regulates STR through a separate transient lodging permit. White Marsh's inland Route 17 location lacks the waterfront draw of Guinea Neck or Mathews but proximity to Abingdon Church and the historic corridor supports modest STR demand.
  • Office rental: with-restrictions Route 17 frontage parcels in B-1 Business may permit commercial office accessory uses; back-of-lot parcels in SC/RC do not.
  • Home office: with-restrictions Home occupation permitted in residential districts subject to standard county conditions.
  • Studio / workshop: yes Personal artist/studio is a normal accessory use.
  • Agriculture: yes RC Rural Countryside parcels east and west of Route 17 permit agricultural accessory uses.
  • Relative support: yes Family-occupancy ADU is the canonical use case for the Appendix B accessory-apartment provision.

Contacts

DepartmentGloucester County Department of Planning, Zoning, & Environmental Programs (White Marsh has no separate municipal government)

Utilities

  • Water: Mix of Gloucester County public water along the Route 17 corridor near the White Marsh Shopping Center and private well in surrounding rural areas
  • Sewer: Mix of public sewer along the Route 17 corridor and private septic in surrounding rural areas (Virginia Department of Health regulated)
  • Electric: Dominion Energy Virginia
  • Gas: No piped natural gas in Gloucester County; propane only

Property values & taxes

Effective rate0.7%

Construction timeline

Modular pathway Virginia Industrialized Building Safety Law (IBSL)

US Route 17 through White Marsh is a 4-lane state primary with good clearance; modular delivery feasible.

HOA prevalence & preemption

State HOA preemptionno

Modest HOA density in newer subdivisions east of Route 17; rural parcels and pre-1980 development largely lack covenants.

Regulatory overlays (2)

  • historic-district — Vicinity of Abingdon Church (NRHP #036-0001, listed 1970-04-15)
    Abingdon Church is a colonial-era National Register property in the White Marsh vicinity. Listing does not directly constrain private ADU construction nearby but design review and Section 106 considerations apply for federally-funded actions. (map)
  • wetland-overlay — Chesapeake Bay Preservation Act (CBPA) Resource Protection Area (RPA) - applies to tidal/non-tidal wetlands and 100-ft riparian buffers in coastal Gloucester County
    White Marsh sits well inland of the tidal shoreline but tributaries of the Ware and North Rivers run through the surrounding rural area; CBPA RPA buffer review applies to parcels adjacent to those streams.
Technical envelope (climate & building code)

Climate & energy code

IECC climate zone4A
Seismic design cat.B
Wildfire exposurelow
Energy codeVirginia Uniform Statewide Building Code (USBC)
Version / adopted2021 Virginia residential code / 2024-01-18

Building code

Base codeVirginia Uniform Statewide Building Code (USBC)
Version year2,021
Adopted2024-01-18
Fire sprinklernone

Known issues (1)

  • policy-review — Virginia SB531 (effective 2027-07-01) introduces statewide by-right ADU requirements and a $500 permit-fee cap; Gloucester's framework predates the January 1, 2026 grandfather cutoff but the county will likely need to align fees by the effective date. (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

  • 23183

Post Office

  • 4898 George Washington Memorial Hwy, 23183