Prince George County

ADU Pass helps homeowners in Prince George County, Virginia navigate the permit paperwork for building an accessory dwelling unit. We cover 5 cities and 7 ZIP codes in this county.

7 ZIP codes
5 Cities

County ADU details

County ADU ordinance

Prince George County regulates accessory dwellings under its Chapter 90 Zoning Ordinance. As of 2026-04-21, Prince George has NOT enacted a modern ADU-preemption-style ordinance permitting detached accessory dwelling units ministerially on single-family-residential parcels. The county's framework permits accessory apartments and family-member dwellings under narrow conditions — most commonly in agricultural (A-1) and rural-residential (R-R, R-A) zones, and through conditional-use permit (CUP) or special-exception review in lower-density residential (R-1, R-2) districts. Owner-occupancy, family-relationship, size, and minimum-lot-area conditions are typical of pre-preemption Virginia county ordinances and apply in Prince George. Because Virginia is a Dillon Rule state with no statewide ADU preemption (see src/data/state-adu-research/virginia.json for the full state framework), Prince George's Chapter 90 is effectively the sole floor: where the ordinance does not explicitly allow a second dwelling, it is prohibited. Applicants planning an accessory dwelling in Prince George County should (a) confirm the parcel's zoning classification on the county's GIS viewer, (b) consult Chapter 90's use tables for the governing district, (c) verify whether the proposed accessory-dwelling use fits a permitted, conditionally-permitted, or prohibited category, (d) engage Planning Department staff in a pre-application conference, and (e) budget for a CUP or special-exception public-hearing process if required. Prince George is a relatively small and rural county (approximately 43,000 population, approximately 282 square miles) with the county seat at Prince George (an unincorporated courthouse community, not an incorporated town). The economic and population center is shaped by the Fort Gregg-Adams military installation and its off-post military-family housing market, which creates steady demand for rental housing that an ADU framework could in principle serve — but the county has not enacted broad by-right ADU allowances as of the 2026-04-21 check.

Code citations:

State-floor overlay: Virginia is a Dillon Rule state: Prince George County's land-use authority is a delegated power from the General Assembly. The principal enabling statutes are Va. Code Section 15.2-2280 (general zoning power to classify districts, regulate size/use of structures, minimum lot areas, setbacks, parking) and Va. Code Section 15.2-2286 (procedural zoning powers including conditional use permits and administrative variances). Virginia has NOT enacted a preemptive statewide ADU ministerial-approval framework of the California / Oregon / Washington type. ADU preemption bills have been introduced in the 2022, 2023, 2024, and 2025 Virginia General Assembly sessions without enactment; none passed both chambers. Prince George County's Chapter 90 therefore operates without a state ceiling on local restrictions — whatever Chapter 90 says controls, subject to the usual state-law procedural requirements on amendment (advertised hearings, Planning Commission recommendation, Board vote). Note: Va. Code Section 15.2-2291 (the oft-cited statewide mandate that localities allow accessory apartments in single-family zones under reasonable conditions) is a narrow provision that applies to specific locality types and conditions; Prince George's Chapter 90 operates under the general Section 15.2-2280 framework with locally-imposed use restrictions.

Adopting body: Prince George County Board of Supervisors (five members elected by magisterial district: Blackwater, Brandon, Bland, Rivers, and Templeton). The Board is the final adopting authority for all zoning-ordinance amendments. The Prince George County Planning Commission advises the Board and holds advertised public hearings before Board consideration per Va. Code Section 15.2-2285. The County Administrator and the Director of Planning and Community Development are the senior staff advisors.

County permitting (unincorporated parcels)

Every parcel in Prince George County outside the federal Fort Gregg-Adams installation is effectively unincorporated-equivalent for county permitting purposes (Prince George contains no incorporated cities or towns). The Prince George County Department of Planning and Community Development, together with the Building Inspections / Code Compliance division of the Department of Community Development, is the principal permitting authority for any accessory-dwelling construction in the county. The combined permit path is a two-track review: (a) a zoning-compliance determination confirming the proposed accessory dwelling fits a permitted or conditionally-permitted category under Chapter 90 (handled by Planning / Zoning staff), 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 (handled by Building Inspections). For parcels where Chapter 90 does not permit a second dwelling by right, the applicant must first obtain a conditional-use permit (CUP), a special exception, or a zoning variance (the specific mechanism depends on the Chapter 90 text), processed through the Planning Commission and Board of Supervisors per Va. Code Section 15.2-2285 or through the Prince George County Board of Zoning Appeals where Chapter 90 routes the matter there. On-post parcels inside the Fort Gregg-Adams boundary are federal land and are not permitted through the county — the Army's garrison command (Fort Gregg-Adams Directorate of Public Works) controls any on-installation construction.

DepartmentPrince George County Department of Planning and Community Development — Planning Division (zoning compliance, subdivision, comprehensive plan, Planning Commission staff support) and Building Inspections / Code Compliance Division (building plan review, permits, inspections); the Environmental / Public Works function handles erosion-and-sediment-control and Chesapeake Bay Preservation Area review
AddressPrince George County Administration Building, 6602 Courts Drive, Prince George, VA 23875 (the unincorporated county-seat courthouse complex). Building Inspections is also housed at or near the Administration Building. Applicants should verify the specific counter location and hours on the county website before visiting in person.

Process overview: Typical accessory-dwelling permit sequence in Prince George County: (a) applicant uses the county's GIS viewer to confirm parcel zoning classification, lot size, existing primary-dwelling square footage, and any overlay designations (Chesapeake Bay Preservation Area Resource Protection Area or Resource Management Area along the James River and tidal tributaries in the northern county, FEMA floodplain designations along the James River, Appomattox River, Blackwater Swamp, and their tributaries, airport approach zones for Fort Gregg-Adams airspace and the periphery of Richmond International Airport approach corridors, and the federal Fort Gregg-Adams installation boundary itself); (b) applicant schedules a free zoning pre-application conference with Planning Division staff to confirm whether the proposed accessory dwelling is permitted by right, requires a conditional-use permit (CUP), requires a special exception, or is outright prohibited in the parcel's Chapter 90 zoning district; (c) if a CUP or special exception is required, applicant files the appropriate application (with fee) and proceeds through Planning Commission work-session and advertised public-hearing review and then Board of Supervisors advertised public-hearing review — this can add several months to the timeline and requires notice to adjoining property owners per Va. Code Section 15.2-2204; (d) once zoning entitlement is secured, applicant files a residential building permit with site plan, floor plans, elevations, energy-compliance documentation (Virginia Energy Conservation Code), structural details for detached units, plumbing / electrical / mechanical rough-in plans, and Virginia-certified design-professional seals where required by building size and occupancy; (e) Prince George Building Inspections performs plan review, issues the building permit, and schedules inspections (typically footing, foundation, framing, rough-in plumbing / electrical / mechanical, insulation, final); (f) the Chesapeake Bay Preservation Area review layer applies to parcels within RPA / RMA boundaries — the James River tidal shoreline and perennial streams draining to tidal waters trigger the CBPA 100-foot RPA buffer — and requires a separate water-quality-impact assessment and/or RPA Exception if impervious-coverage thresholds are exceeded; (g) floodplain-development permits apply to parcels in FEMA Special Flood Hazard Areas, which are concentrated along the James River, Appomattox River confluence area near Hopewell, and the Blackwater Swamp drainage; (h) for parcels near the Fort Gregg-Adams installation boundary, the Joint Land Use Study (JLUS) recommendations and any Military Influence Area overlay may attach disclosure and height-limit requirements; (i) for parcels on well-and-septic service (which is the majority of rural Prince George — county water and sewer service is concentrated in the Prince George Courthouse / Disputanta corridor, parts of the US-460 growth area, and along the county-Hopewell boundary), the Virginia Department of Health Onsite Sewage and Well Regulations govern septic-system capacity and expansion, and a VDH-issued construction permit for septic system modification is required before the ADU can be occupied — this is often the gating item for rural ADUs because many legacy drainfields cannot accommodate a second dwelling's additional wastewater load without system upgrade; (j) after construction, the Commissioner of the Revenue / Real Estate Assessor issues an assessment update reflecting the new improvement in the next annual reassessment cycle. Prince George does NOT offer a ministerial state-mandated ADU review clock — Virginia has no statewide review-time preemption — so timelines vary by project complexity and whether entitlement requires a CUP / special exception or is by-right within the existing Chapter 90 framework.

Impact fees: Virginia counties generally DO NOT charge true impact fees in the California or Washington sense — Va. Code Section 15.2-2317 et seq. restricts impact-fee authority to designated 'growth areas' meeting narrow eligibility criteria, and Prince George has not (as of 2026-04-21) established a formal road-impact-fee program under that authority. Prince George instead assesses (a) proffered conditions negotiated at rezoning applications, (b) utility connection fees for county water and sewer service (administered by the Department of Public Works / Utilities) where county water-sewer service is available — most of rural Prince George is on private wells and septic systems; county water and sewer is concentrated in the Courthouse / Prince George / Disputanta corridor and along the northern county-Hopewell boundary, (c) building-permit and plan-review fees at cost-recovery rates under the county's adopted fee schedule, and (d) cash proffers at rezoning under Va. Code Section 15.2-2303.4 which are narrowly constrained since the 2016 proffer-reform statute. There is no Prince-George-County-wide ADU-specific fee waiver because there is no across-the-board impact-fee framework to waive. Water and sewer connection fees for an accessory dwelling depend on whether the ADU adds a new service connection or shares the primary's connection. For rural parcels on well and septic, there are no county utility connection fees but there are Virginia Department of Health (VDH) permit fees for septic-system modification, and the cost of expanding or replacing a drainfield to handle an additional dwelling's load is often the single largest soft-cost item for a rural Prince George ADU. School fees are not assessed separately in Virginia; school-capital needs are funded through the county's general-fund budget. The Virginia Uniform Statewide Building Code is administered statewide, so building-permit fees are broadly comparable across Virginia localities. (schedule)

County assessor

The Prince George County Commissioner of the Revenue and the county's Real Estate Assessor maintain parcel-level assessment records for all real property in the county (other than federal Fort Gregg-Adams land, which is exempt from county property tax). Virginia mandates assessment at 100% fair market value under Code of Virginia Title 58.1; unlike California's Proposition 13 acquisition-value system, Virginia localities reassess periodically using mass-appraisal methods. Prince George County has historically operated on a general reassessment cycle consistent with Va. Code Section 58.1-3252 (localities with a population under 50,000 may reassess every four years, though many have moved to more frequent cycles); applicants should confirm the current cycle on the Commissioner of the Revenue page. An ADU addition is captured at the next reassessment as a market-value adjustment reflecting the physical improvement and comparable-sales evidence; Virginia counties do not operate California-style supplemental rolls separate from the main reassessment roll. Virginia has no Prop 13 cap; the county-wide real-estate-tax rate (set annually by the Board of Supervisors during the spring budget cycle) applies to full fair market value. Prince George's effective real-estate tax rate has historically been in the low-to-mid $0.80 per $100 range, in the competitive band for suburban-rural Richmond-Tri-Cities MSA counties.

NamePrince George County Commissioner of the Revenue / Real Estate Assessor (the Commissioner of the Revenue is the constitutional officer responsible for property-tax assessment administration in Virginia counties; the Real Estate Assessor function may be in-house or contracted to a mass-appraisal firm depending on the county)
AddressPrince George County Administration Building, 6602 Courts Drive, Prince George, VA 23875
Parcel lookupOnline lookup

Assessment policy: Virginia Code Title 58.1 requires assessment at 100% fair market value. Prince George County's reassessment cycle is governed by Va. Code Section 58.1-3252 and the Board of Supervisors' adopted schedule; applicants should confirm whether the county is currently on a general reassessment every two years, every four years, or an annual cycle by checking the Commissioner of the Revenue page or the county's most recent reassessment notice. For ADU additions, the assessor incorporates the new improvement into the next reassessment cycle — there is no separate supplemental notice as in California. Typical Prince George ADU assessed-value increments for 700-1,200 sqft detached ADUs range from approximately $100,000 to $180,000 in the post-2024 market, producing a property-tax increment of roughly $800 to $1,600 per year at the county's current real-estate-tax rate (plus any applicable special-district fees). The primary dwelling's assessed value is also revisited each reassessment cycle, so any market appreciation of the primary dwelling is captured alongside the ADU addition. Unlike Proposition 13 jurisdictions, Virginia provides no acquisition-value cap, no 2% annual-growth cap, and no separate 'new construction supplemental' assessment with its own appeal window.

County overlays (4)

Prince George County administers several county- and state-level overlay regimes that materially affect ADU siting: (1) the Chesapeake Bay Preservation Act (CBPA) Resource Protection Area (RPA) 100-foot riparian buffer, mandated by Va. Code Section 62.1-44.15:67 et seq. and administered locally through the zoning and subdivision ordinances — RPA buffers protect the James River tidal shoreline along the northern county boundary, perennial non-tidal streams throughout the county including Blackwater Swamp and Powell Creek and their tributaries, and wetlands connected to tidal waters; (2) the FEMA National Flood Insurance Program (NFIP) floodplain regime, with Special Flood Hazard Areas (SFHAs) along the James River (northern boundary adjacent to Hopewell and the Shirley Plantation / Flowerdew Hundred area), the Appomattox River confluence (near the Hopewell city line), Blackwater Swamp and Powell Creek drainages in the rural southern and eastern county, and the numerous smaller creeks; (3) the Resource Management Area (RMA) — the wider 'second-tier' CBPA buffer applied county-wide to qualifying lands, with impervious-coverage and best-management-practices requirements; (4) a Military Influence Area / Airport Influence District surrounding the Fort Gregg-Adams federal installation in the northwestern county — the installation's aviation, weapons-range, and noise footprints create disclosure, height-limit, and compatible-use considerations on adjacent private parcels (the Joint Land Use Study process has produced locally-adopted compatibility recommendations on installations nationwide; applicants near the Fort Gregg-Adams boundary should confirm specific overlay status with the Planning Department); (5) historic overlays around Prince George Courthouse and along the several National Register districts and properties in the county (including Flowerdew Hundred, Brandon, Merchants Hope Church, and Jordan Point / Weyanoke properties along the James River). Coastal Commission jurisdiction does NOT apply (Virginia has no California-style Coastal Commission; the CBPA is the functional analog). Very High Fire Hazard Severity Zones are NOT a Virginia regulatory category — Prince George has no WUI overlay comparable to California's CAL FIRE VHFHSZ system, though wildland fire risk exists in the heavily-forested southern county.

  • Chesapeake Bay Preservation Act Resource Protection Area (RPA) — 100-foot buffer — ADU designs that cantilever over, or place impervious surface within, the 100-foot RPA buffer require an RPA Exception, which involves a Water Quality Impact Assessment, staff review, and Planning Commission public hearing. Adding approximately 30-60 days to the overall ADU timeline for an RPA Exception is typical. Owners with creek-adjacent or James-River-adjacent parcels should confirm RPA status via the county parcel viewer before design. The James River tidal shoreline in Prince George is particularly sensitive because the county's northern boundary hugs the river for a long stretch, and many large historic and agricultural parcels include riparian segments.
  • Prince George County Floodplain Management — FEMA NFIP participant — ADUs in an SFHA must have lowest floor elevated to or above Base Flood Elevation plus Prince George's adopted freeboard, flood vents on any enclosed area below BFE, structural anchoring, and a post-construction Elevation Certificate. The substantial-improvement trigger (>50% of structure value) means a garage conversion or attached-unit addition to an existing flood-prone structure can cascade into full-structure floodplain compliance. Owners along the James River (Shirley Plantation, Flowerdew Hundred, Brandon, Jordan Point, Weyanoke, Kippax, and the Hopewell-adjacent reach) and along Blackwater Swamp should verify current FIRM status before ADU design. Flood insurance is federally required for SFHA parcels with federally-backed mortgages.
  • Military Influence Area / Airport Influence District — Fort Gregg-Adams (formerly Fort Lee) airspace, weapons-range, and noise footprint — ADU siting inside the Military Influence Area is subject to height limits, noise attenuation considerations for DNL 65+ dB areas, and potential avigation / weapons-range easement recording for new residential parcels. The overlay does not prohibit ADUs but does constrain detached two-story ADU designs in the highest-noise or lowest-overflight zones. Owners near the Fort Gregg-Adams boundary should verify Military Influence Area status before design. The April 27, 2023 rename from Fort Lee to Fort Gregg-Adams did not change the installation boundary, the airspace footprint, or the compatibility framework — only the name.
  • Historic overlays — Prince George Courthouse and James River historic plantations / churches — An ADU on a parcel within a locally-designated historic overlay district requires design review — typically staff review for minor additions, with any designated review body (where one exists) reviewing more substantial proposals. Parcels that are individually National Register-listed but not in a local overlay are not subject to local design review for ADU additions (the National Register is informational / tax-credit-eligibility, not regulatory). Owners near the Courthouse complex or on the James-River-plantation historic parcels should confirm overlay status before ADU design.

Known county issues (7)

  • policy-review — Prince George County has not enacted a modern ADU-preemption-style ordinance permitting detached accessory dwelling units ministerially on single-family-residential parcels. Under Chapter 90, accessory dwellings are permitted under narrow conditions — most commonly in agricultural (A-1) and rural-residential zones, and through conditional-use-permit (CUP) or special-exception review in lower-density residential (R-1, R-2) districts. Applicants should expect a multi-month review timeline where a CUP is required, with Planning Commission and Board of Supervisors public hearings, notice to adjoining owners under Va. Code Section 15.2-2204, and CUP fees in the low-thousands range. Virginia General Assembly ADU-preemption bills in 2022-2025 did not pass, so no statewide floor preempts Prince George's restrictions.
  • other — Fort Gregg-Adams is a major Army garrison (CASCOM, the U.S. Army Combined Arms Support Command headquarters; home of the Quartermaster, Ordnance, and Transportation schools) renamed April 27, 2023 from Fort Lee. The installation occupies a substantial portion of northwestern Prince George County (plus adjacent parts of Hopewell and Chesterfield). The base creates steady off-post rental demand from military families, which in principle makes a permissive ADU framework attractive — but the county has not moved in that direction. Parcels in the Military Influence Area around the installation are subject to height limits, noise considerations (DNL 65+ dB), and potential avigation / weapons-range disclosure. The 2023 rename did not change the installation boundary or compatibility framework.
  • other — County water and sewer service in Prince George is concentrated in the Prince George Courthouse / Disputanta growth corridor and along the US-460 and county-Hopewell boundary areas. Most rural parcels (particularly in the Blackwater, Brandon, Bland, and rural Templeton magisterial districts) are on private wells and septic drainfields. The Virginia Department of Health governs septic-system capacity and expansion, and a VDH-issued construction permit for septic modification is required before a second dwelling can be occupied. Many legacy drainfields cannot accommodate an ADU's additional wastewater load without system upgrade, and drainfield replacement or expansion can cost $15,000-$40,000+, making VDH septic capacity the single largest soft-cost gating factor for rural Prince George ADU proposals.
  • other — The Chesapeake Bay Preservation Act RPA 100-foot riparian buffer applies county-wide to all perennial streams and tidal waters. Prince George's long James River frontage along the northern county boundary (Shirley Plantation, Flowerdew Hundred, Brandon, Jordan Point, Weyanoke, Kippax, and the Hopewell-adjacent reach) and its dense network of creeks (Blackwater Swamp, Powell Creek, Bailey Creek, Gravelly Run, and tributaries) means a substantial fraction of rural and riverine parcels have some portion within an RPA buffer. New impervious surface within the 100-foot buffer is generally prohibited; an RPA Exception requires a Water Quality Impact Assessment, staff review, and Planning Commission public hearing, adding approximately 30-60 days to the ADU timeline. Owners on James-River-frontage or creek-adjacent parcels should confirm RPA status on the county parcel viewer before ADU design.
  • other — Prince George's periodic reassessment cycle under Va. Code Section 58.1-3252 (every few years, per the Board of Supervisors' adopted schedule) means an ADU completed mid-cycle may not show up on the tax roll until the next general reassessment — producing a lag of up to several years between ADU completion and the full tax impact, unlike Chesterfield's annual cycle. Once the reassessment does occur, typical Prince George ADU assessed-value increments for 700-1,200 sqft detached ADUs range from approximately $100,000 to $180,000, translating to roughly $800-$1,600/year in additional real-estate tax at the county's current rate (plus any applicable special-district fees). Unlike California's Prop 13 regime, there is no acquisition-value freeze, no 2% annual-growth cap, and no separate supplemental notice: the ADU's value and any ongoing market appreciation are captured in every subsequent general reassessment.
  • other — Prince George County contains no incorporated cities or towns (the adjacent independent cities of Hopewell to the north, Petersburg to the west, and Colonial Heights further west are outside the county). Every residential parcel in the approximately 282-square-mile county outside the Fort Gregg-Adams federal boundary is governed directly by the Prince George zoning ordinance (Chapter 90) and permitted through the Prince George Department of Planning and Community Development. This structural simplicity — no city-versus-county jurisdictional gaps — is offset by the county's modest staff capacity (population ~43,000 in 2020 census; a small Planning Department relative to Chesterfield or Henrico). Direct early engagement with a case-manager planner is the practical expedient for moving an ADU inquiry forward.
  • staffing-shortage — Prince George's Department of Planning and Community Development is a small department consistent with the county's ~43,000 population. Response times for pre-application conferences, zoning determinations, and building-permit plan review can vary with workload; there is no dedicated ADU case-manager function. Applicants should plan for potentially longer informal-response windows than in larger counties like Chesterfield, Henrico, or Fairfax, and should engage staff early in the design phase rather than filing cold. The Virginia Uniform Statewide Building Code is administered statewide, so building-code plan-review quality is broadly consistent with state expectations.
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.