Nassawadox

ADU Pass helps homeowners in Nassawadox, Northampton County, Virginia navigate the permit paperwork for building an accessory dwelling unit. This area covers 3 ZIP codes.

3 ZIP codes

ADU details

ADU legality: allowed-with-restrictions

Stateunclear (Virginia Dillon Rule framework; SB 531 (2026) by-right ADU effective 2027-07-01) — Virginia is a Dillon Rule state. SB 531, signed April 14, 2026, effective July 1, 2027, establishes a statewide by-right ADU mandate preempting local prohibitions in most residential zones; localities with an existing ADU ordinance prior to that date are grandfathered with respect to dimensional standards only.
Countywith-restrictions (Northampton County Zoning Ordinance (Chapter 154); V (Village), VC (Village Commercial), and surrounding A / RR districts cover Nassawadox) — Nassawadox is the most-populous unincorporated village in Northampton County (population approximately 495 per ACS 2019-2023, area approximately 0.7 sq mi) and is the historical commercial center for the northern half of the county. Parcels are mapped V (Village), VC (Village Commercial), and surrounding A (Agriculture) and RR (Rural Residential). The historic hospital campus (formerly Shore Memorial Hospital, now closed; clinical services relocated to Riverside Shore Memorial Hospital in Onancock) sits on the village's south side. Guest cottages without independent kitchen facilities are generally permitted by-right; second independent dwellings typically require SUP.
Citywith-restrictions (Nassawadox has no municipal government; county ordinance is authoritative) — Nassawadox is an unincorporated CDP and the largest village in Northampton County by both population and land area. The village is centered at the US 13 / Va. Route 600 intersection and was historically the seat of Shore Memorial Hospital (the only inpatient hospital on the Eastern Shore) and the Eastern Shore Health District office. The VDH Eastern Shore Health District building remains at Nassawadox today, making it the central well/septic permitting location for both Northampton and Accomack counties.

Co-management exception: Nassawadox is unincorporated, so the Northampton County Zoning Ordinance, Building Inspections, and permitting forms are the sole applicable instruments — there is no village government. A small fragment of the village core has public water/sewer service through a Northampton County Service Authority service district; most parcels remain on well/septic. CBPA RPA buffer applies to Nassawadox Creek frontage. SB 531 will introduce statewide by-right effective July 1, 2027.

Cost scenarios

ScenarioSq ft PermitBuildTotal
minimum 200 $2,000 $53,000 $55,000
600 600 $2,000 $159,000 $161,000
midpoint 550 $2,000 $145,750 $147,750
maximum 900 $2,000 $238,500 $240,500
Fee breakdown (as of 2026-05)
Plan review$280
Building permit$950
Impact fees$770
Total$2,000

Permitting process

Typical duration195 days
Backlog40 days

Viability (permitted uses)

  • Long-term rental: yes Long-term rental permitted; Nassawadox has the largest local rental market in unincorporated Northampton given its village size.
  • Short-term rental: with-restrictions County STR regulation applies; SUP or registration required. STR demand is modest — Nassawadox lacks Cape Charles's tourist draw but offers proximity to Eastern Shore amenities.
  • Office rental: with-restrictions Detached office rental in VC (Village Commercial) parcels is generally permitted; in V (Village) it requires home-occupation permit.
  • Home office: yes Home occupation permitted with standard limits.
  • Studio / workshop: yes Permitted accessory use.
  • Agriculture: with-restrictions Village-core parcels are not appropriate for agricultural use beyond minor garden activity; A and RR districts surrounding the village allow bona fide agriculture.
  • Relative support: yes Family-member dwellings permitted in A and RR districts; SUP available for V district parcels.

Contacts

DepartmentNorthampton County Department of Planning, Permitting, & Enforcement; Northampton County Building Inspections; VDH Eastern Shore Health District (office located in Nassawadox itself); Northampton County Service Authority for water/sewer service district parcels. Nassawadox is unincorporated.

Staff: Northampton County Zoning Administrator (Zoning Administrator), Northampton County Building Inspections (Building Official), VDH Eastern Shore Health District (Environmental Health (well/septic) — Nassawadox office)

Utilities

  • Water: Northampton County Service Authority (small public water district covers a fraction of village-core parcels); private well otherwise · 45d connect · $5,500
  • Sewer: Northampton County Service Authority (small public sewer district covers a fraction of village-core parcels); private septic otherwise · 60d connect · $9,000
  • Electric: A&N Electric Cooperative · 30d connect · $2,400
  • Gas: Bottled propane · 14d connect · $1,900

Property values & taxes

Median value$175,000
Median tax$1,103/yr
Effective rate0.6%

Construction timeline

Detached build30 weeks
Conversion18 weeks
Contractor lead6 months

Realistic total: best 10mo · typical 15mo · worst 25mo

Modular pathway inspectors are occasional with modular

Financing

Fannie Mae ADUeligible

State ADU loans:

Insurance impact

Annual premium delta$480
Landlord policyrecommended
Umbrella threshold$1M umbrella when renting; coastal exposure modest in the village core.

HOA prevalence & preemption

State HOA preemptionno

Virginia has no HOA-ADU preemption. Nassawadox village core is overwhelmingly individually-deeded lots without HOA covenants; a small fraction in newer subdivisions carries HOAs.

Regulatory overlays (2)

  • wetland-overlay
    Nassawadox Creek frontage parcels are subject to the 100-ft RPA buffer; village-core parcels primarily within RMA designation. (map)
  • flood-zone
    Portions of the western village edge along Nassawadox Creek carry SFHA mapping; village core mostly above SFHA. (map)
Technical envelope (climate & building code)

Climate & energy code

IECC climate zone4A
Heating degree days4,100
Cooling degree days1,700
Design low / high18°F / 92°F
Frost depth14"
Design snow load15 psf
Wind design speed125 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
  • Amendment

Contractor market (aggregate)

Licensed residential GCs28
ADU-specialist GCs1
Laborer median wage$21/hr

Known issues (2)

  • other — Confirm utility service before pricing a project; service-district connection fees and metered charges are materially different from well/septic capital costs and operating costs.
  • other — Payback periods are slower than the modest rents would suggest; resale-value uplift is lower than in tourist-oriented Cape Charles or hospital-anchored Onley.
Northampton County — county ADU rules and overlays

County ADU ordinance

Northampton County does NOT maintain a standalone accessory-dwelling-unit ordinance with dedicated definitional and dimensional standards. ADUs in Northampton County are regulated indirectly through the Zoning Ordinance's treatment of 'accessory use,' 'accessory structure,' 'guest cottage,' and 'family dwelling' (terms used in the ordinance for limited second-dwelling allowances) in combination with the per-district use schedules. In the A (Agriculture) and RR (Rural Residential) districts, which cover the great majority of county acreage outside the village centers, a 'family-member dwelling' or farm-labor tenant dwelling is typically permitted subject to minimum lot area (commonly 5 to 10 acres depending on the district), agricultural-use demonstration, and Zoning Administrator approval; a fully independent second dwelling for non-family occupancy typically requires a Special Use Permit from the Board of Supervisors after Planning Commission recommendation. In the V (Village) and VC (Village Commercial) districts that cover the historic village centers (Eastville, Nassawadox, Franktown, Cheriton, Machipongo, etc.), a 'guest cottage' or detached accessory structure without independent kitchen facilities is generally permitted as a by-right accessory structure subject to setback, height, and lot-coverage standards; a second independent dwelling on the same parcel requires an SUP. In the Waterfront (W) and HC (Historic Commercial) districts, additional overlay constraints and Historic District review apply. Applicants should confirm current ordinance text with the Zoning Administrator before committing to a project pro forma — the ordinance has been amended periodically and specific ADU-like allowances vary by district and by interpretation of the 'customarily incidental' accessory-use standard.

County regulatory overlays

Northampton County administers several overlay regimes that bear materially on ADU projects, and coastal exposure is the single most important physical constraint on county land use. The relevant overlays are: (1) a Floodplain Overlay District tied to FEMA Special Flood Hazard Areas, which covers an unusually large share of the county because the entire county is a narrow low-elevation peninsula (maximum elevation ~50 feet, median parcel elevation closer to 15-25 feet) with Chesapeake Bay on the west, Atlantic barrier islands and lagoons on the east, and extensive internal tidal creek and marsh systems; (2) Chesapeake Bay Preservation Act jurisdiction across the entire county (Northampton is a Tidewater locality designated under Va. Code § 62.1-44.15:67 et seq.), with Resource Protection Area (RPA) buffers of 100 feet from perennial water bodies and tidal wetlands and Resource Management Area (RMA) coverage on nearly all remaining landward extent; (3) Virginia Marine Resources Commission (VMRC) tidal-wetlands and subaqueous-bottom jurisdiction reaching any project touching tidal waters, wetlands, dunes, or beaches; (4) the Eastern Shore of Virginia National Wildlife Refuge and the Fisherman Island National Wildlife Refuge (federal refuge land near the southern tip of the peninsula — the Chesapeake Bay Bridge-Tunnel north terminus is adjacent to the Fisherman Island refuge and federal-land restrictions apply nearby); (5) the Airport Safety Overlay around the Accomack County Airport and the smaller general-aviation strip at Eastville (Northampton Airport); (6) locally-adopted historic overlays and NRHP-listed rural corridors including the Eastville Historic District (one of the oldest continuously functioning county-seat complexes in Virginia, with records going back to 1677), the Hungars Parish Historic District, Cape Charles Historic District (inside the Town of Cape Charles and administered there), and numerous NRHP-listed plantations and village cores. Northampton County has NO California-style coastal commission (Virginia has no coastal-commission analog; coastal regulation flows through the CBPA, the VMRC for tidal-wetlands permits, and local ordinances), NO CalFire-equivalent WUI regulatory overlay (Virginia has no statewide WUI overlay), and NO seismic-retrofit overlay. However, the combination of pervasive floodplain, pervasive CBPA, regular VMRC joint-permit triggers, and federal refuge proximity makes this one of the most overlay-dense rural counties on the Atlantic seaboard.

County permitting (unincorporated parcels)

Northampton County's Department of Planning, Permitting, & Enforcement handles zoning permits, Special Use Permits, site plan review, and subdivision review for every parcel in the county except those inside the Town of Cape Charles (which administers its own zoning and permitting) and federal refuge land. Building Inspections issues building permits and trade permits for the same non-town, non-federal territory. A typical ADU-like permit bundle (where a second dwelling is permitted) includes: (1) a Special Use Permit from the Board of Supervisors with Planning Commission recommendation, unless the parcel qualifies for an A / RR family-member or farm-labor dwelling allowance, (2) a Zoning Permit confirming use compliance and district setback compliance, (3) a Building Permit with stamped residential plans, (4) Electrical, Plumbing, and Mechanical trade permits, (5) a Virginia Department of Health (VDH) - Eastern Shore Health District construction permit for well and/or septic on parcels not served by public water or sewer (which is the great majority of parcels — public sewer coverage is limited to portions of Cape Charles, Exmore, Nassawadox, and small service-district pockets), (6) a Floodplain Development Permit if any portion of the parcel is within the mapped Special Flood Hazard Area — which is a LARGE fraction of parcels in Northampton County because the county is a narrow peninsula with Chesapeake Bay on the west, the Atlantic barrier islands and lagoons on the east, and extensive tidal creek and marsh systems inland, (7) a Chesapeake Bay Preservation Act review — Northampton County IS a Tidewater locality subject to the CBPA, with Resource Protection Area (RPA) and Resource Management Area (RMA) rules applying across nearly the entire county given its tidal geometry, (8) a Virginia Marine Resources Commission (VMRC) permit for any work below mean high water or encroaching on tidal wetlands, (9) a US Army Corps of Engineers permit where federal waters are involved, and (10) Historic District review if the parcel is within the Eastville Historic District, the Hungars Parish Historic District, or another designated local or NRHP-listed overlay.

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

  • 23307
  • 23354
  • 23413

Post Office

  • 10238 Rogers Dr, 23413