Hiwassee

ADU Pass helps homeowners in Hiwassee, Pulaski 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 SB531 (2026), Chapter 895 - statewide ADU by-right mandate effective 2027-07-01) — Virginia SB531 was signed by Governor Youngkin on April 13, 2026 (Acts of Assembly Ch. 895). Statewide ADU by-right mandate with $500 fee cap effective 2027-07-01. Until then, Virginia's Dillon Rule leaves regulation to localities; Pulaski County's ordinance controls Hiwassee (unincorporated CDP).
Countywith-restrictions (Pulaski County Subdivision and Zoning Ordinance - accessory-dwelling supplementary regulations) — Hiwassee is a very small unincorporated CDP (~264 population, 5.1 sq mi, ~2,083 ft elevation) in south-central Pulaski County. Pulaski County zoning controls directly. Predominant A-1 Agricultural and R-1 zoning; large rural lots are typical. Accessory dwellings permitted under the supplementary regulations with base 1,000 sqft cap (1,500 sqft on qualifying rural-large-lot agricultural parcels), one-per-parcel, principal-dwelling setbacks.
Citywith-restrictions (Hiwassee is unincorporated - Pulaski County Zoning Ordinance controls; no separate town ordinance applies) — Hiwassee is a small rural CDP between Pulaski town and the Jefferson National Forest boundary. No municipal government; all permitting routes through Pulaski County Community Development. New River and Little River tributaries cross the CDP.

Hiwassee ADUs route through Pulaski County Community Development directly. Most parcels are large rural A-1 lots; private well and septic predominant. VDH onsite-sewage permitting is the typical critical-path item. Floodplain along New River tributaries applies to some parcels. SB531 (2027-07-01) will impose $500 fee cap.

Cost scenarios

ScenarioSq ft PermitBuildTotal
minimum 250 $1,350 $47,500 $48,850
600 600 $1,850 $114,000 $115,850
midpoint 625 $1,900 $118,750 $120,650
1000 1,000 $2,350 $190,000 $192,350
Fee breakdown (as of 2026-05)
Plan review$320
Building permit$1,100
Total$1,420

Permitting process

Typical duration140 days
Backlog22 days

Viability (permitted uses)

  • Long-term rental: yes Thin long-term rental market
  • Short-term rental: with-restrictions Limited STR demand - Hiwassee is remote-rural without lake frontage. Jefferson National Forest and New River corridor drive some seasonal demand (hunting, fishing, foliage).
  • Office rental: with-restrictions Office rental to non-resident tenants not a permitted accessory use
  • Home office: yes Owner home-occupation use permitted
  • Studio / workshop: yes Owner studio is customary accessory use
  • Agriculture: yes A-1 zoning predominates - agricultural / barndominium / farm-related accessory dwellings well-suited; may qualify for 1,500 sqft cap
  • Relative support: yes Family-occupancy ADU permitted; common rural Pulaski use case

Incentives

Contacts

DepartmentPulaski County Community Development - Building, Engineering, and Planning & Zoning offices (Hiwassee is unincorporated; no town office)

Utilities

  • Water: Private well (predominant in Hiwassee remote-rural area) · 60d connect · $8,000
  • Sewer: Onsite septic (predominant) - VDH construction permit required · 90d connect · $12,000
  • Electric: Appalachian Power Company (AEP) · 30d connect · $2,400
  • Gas: Propane (no natural gas distribution in remote Hiwassee) · 14d connect · $1,200

Property values & taxes

Median value$150,000
Median tax$960/yr
Effective rate0.6%

Construction timeline

Detached build24 weeks
Conversion14 weeks
Contractor lead3 months

Realistic total: best 8mo · typical 11mo · worst 20mo

Modular pathway Virginia Industrialized Building Safety Program (DHCD) · inspectors are novice with modular

Remote-rural Hiwassee access via VA-100 and county roads; oversized modular delivery feasible but requires careful route planning

Financing

Insurance impact

Annual premium delta$260
Landlord policyrecommended
Umbrella threshold$500K umbrella for rentals; rural liability environment is lower-cost

HOA prevalence & preemption

State HOA preemptionno

Very low HOA prevalence in rural Hiwassee

Regulatory overlays (1)

  • flood-zone
    Stream-adjacent Hiwassee parcels may fall within FEMA-mapped Special Flood Hazard Area
Technical envelope (climate & building code)

Climate & energy code

IECC climate zone4A
Heating degree days5,300
Cooling degree days1,000
Design low / high8°F / 87°F
Frost depth20"
Design snow load30 psf
Wind design speed105 mph
Seismic design cat.B
Annual rainfall42"
Wildfire exposuremoderate
Energy codeIECC
Version / adopted2018 / 2021

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 GCs55
ADU-specialist GCs1
Median GC size (employees)3
Unionized share0.0%
Laborer median wage$17/hr
Typical GC markup18%

Known issues (3)

  • other — VDH onsite-sewage permitting is critical path; mountain-slope alternative onsite-sewage systems can add $15-30K
  • other — Limited contractor availability in remote Hiwassee; NRV contractors based in Pulaski / Dublin / Christiansburg may charge mobilization premiums for remote sites
  • policy-review — SB531 (effective 2027-07-01) imposes $500 fee cap
Pulaski County — county ADU rules and overlays

County ADU ordinance

Pulaski County permits an 'accessory dwelling' or 'accessory apartment' as a supplementary use to a single-family detached dwelling on parcels of sufficient size in the county's Agricultural (A-1) and primary residential (R-1, R-2) districts, plus the lake-recreation residential districts that apply to Claytor Lake waterfront parcels. The Pulaski framework follows the common Virginia rural-county pattern with some lake-recreation-specific tailoring for Claytor Lake parcels: one ADU per parcel; the ADU must be clearly accessory (subordinate in size and use) to a principal single-family dwelling; a base size cap typically in the 800-1,200 square-foot range with potentially larger caps available on qualifying agricultural parcels; configuration options including attached, interior-conversion, and detached on most rural and lake parcels; the ADU must meet the principal-dwelling setbacks for the underlying district rather than reduced accessory-structure setbacks; and the ADU cannot be subdivided off or sold separately from the principal dwelling. Claytor Lake waterfront parcels face additional constraints from the lake's regulated-shoreline framework administered by Appalachian Power Company under FERC license terms — the lake is a hydroelectric reservoir, and shoreline construction requires APCo permitting separate from county zoning. Because Virginia has no statewide ADU preemption (see state file stateAduLaw, citing Va. Code § 15.2-2280 et seq. as the local-zoning enabling statute), Pulaski's ordinance is the authoritative regime on every parcel in the unincorporated county; parcels inside the Town of Pulaski or the Town of Dublin follow those towns' own ordinances instead.

County regulatory overlays

Pulaski County administers an overlay portfolio shaped by its mixed mountain / valley / lake-recreation geography: (1) the Floodplain Overlay District tied to FEMA-mapped Special Flood Hazard Areas along the New River, Peak Creek, Little River, Reed Creek, and interior streams (with the Claytor Lake elevation regulated by APCo's Claytor Dam, so lake-elevation flooding is largely controlled but tributary flooding into Peak Creek and similar streams remains a risk); (2) Appalachian Power Company Claytor Hydroelectric Project shoreline-management overlay — APCo holds a FERC license to operate Claytor Hydro and regulates the shoreline of Claytor Lake (approximately 100 miles of shoreline) under a published Shoreline Management Plan; (3) Jefferson National Forest proximity in the southern county, where the National Forest boundary creates shared-boundary issues for adjacent private parcels; (4) historic-resource sensitivity at the Town of Pulaski historic district, the Newbern Historic District (a National Register district covering the early-19th-century western-Virginia community of Newbern, the original county seat), and individual scattered National Register properties; (5) Volvo Trucks New River Valley Plant industrial overlay in Dublin — the plant footprint and its associated industrial zoning shape the Dublin-area land-use pattern and constrain ADU eligibility on adjacent industrial parcels. Pulaski is NOT a Tidewater Chesapeake Bay Preservation Area locality — Pulaski sits in the Appalachian Plateau / New River Valley, well west of Tidewater. The New River drains north and west into West Virginia and ultimately into the Ohio / Mississippi system, not the Chesapeake. Pulaski has no coastal-commission jurisdiction, no CalFire-equivalent WUI regime, and no seismic-retrofit overlay.

County permitting (unincorporated parcels)

The Pulaski County Department of Community Development issues residential building permits for every parcel in the unincorporated county. Parcels inside the Town of Pulaski or the Town of Dublin route through those towns' own permitting instead. An ADU permit bundle on an unincorporated-county parcel typically includes: (1) a Zoning Compliance verification / Zoning Permit confirming the ADU meets the supplementary-regulation standards (size cap, one-per-parcel, principal-dwelling setbacks, district eligibility, plus lake-recreation-district-specific rules for Claytor Lake parcels), (2) a Building Permit with stamped plans, (3) trade permits for Electrical, Plumbing, and Mechanical filed by licensed Virginia contractors, (4) a Virginia Department of Health construction permit for well and/or septic on parcels not served by the Pulaski County PSA, (5) a Floodplain Development Permit if any portion of the parcel is within a FEMA-mapped Special Flood Hazard Area along the New River, Peak Creek, Little River, Reed Creek, or other interior streams, (6) for Claytor Lake waterfront parcels, an Appalachian Power Company shoreline-development permit under the FERC-licensed Claytor Hydroelectric Project Shoreline Management Plan — APCo regulates docks, retaining walls, shoreline grading, and any structure within the project boundary regardless of county zoning, and (7) for parcels along the Jefferson National Forest boundary in the southern county, possible coordination with US Forest Service for shared-boundary issues.

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

  • 24347

Post Office

  • 2298 Julia Simpkins Rd, 24347