Natural Bridge

ADU Pass helps homeowners in Natural Bridge, Rockbridge 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 General Assembly) - statewide by-right ADU mandate, effective July 1, 2027) — SB531 establishes statewide by-right ADU permitting with $500 permit-fee cap, effective July 1, 2027.
Countywith-restrictions (Rockbridge County Zoning Ordinance) — Rockbridge County Zoning Ordinance governs unincorporated parcels in southern Rockbridge County including the Natural Bridge community. Family-dwelling exemption is the most-used ADU pathway.
Citywith-restrictions (Natural Bridge (unincorporated CDP) - Rockbridge County zoning applies, with overlay constraints near the state park) — Natural Bridge is an unincorporated CDP in southern Rockbridge County centered on the Natural Bridge geological landmark and Natural Bridge State Park (Virginia DCR). The 215-foot natural limestone arch is one of the seven natural wonders of the world and the centerpiece of the state park. Parcels in the immediate vicinity of the state park face proximity-of-park considerations under county zoning, and tourism-oriented uses (lodging, dining, retail) cluster along US-11 and Old US-11. No town government; Rockbridge County zoning governs.

Natural Bridge ADUs are permitted under Rockbridge County zoning. STR demand is unusually strong for a Rockbridge community due to state park visitation; this can elevate parcel valuations and lender interest.

Cost scenarios

ScenarioSq ft PermitBuildTotal
minimum 150 $1,500 $36,750 $38,250
600 600 $1,600 $147,000 $148,600
midpoint 525 $1,600 $128,625 $130,225
maximum 900 $1,800 $220,500 $222,300
Fee breakdown (as of 2026-05)
Total$1,600

Permitting process

Typical duration105 days
Backlog25 days

Viability (permitted uses)

  • Long-term rental: yes Long-term rental of a permitted ADU is allowed; rental demand is thinner than STR demand in this submarket.
  • Short-term rental: with-restrictions Rockbridge County STR rules apply; demand is strong from Natural Bridge State Park visitation (~700,000 visitors annually), making STR among the most attractive ADU use cases in the county. Transient occupancy tax registration required.
  • Office rental: with-restrictions Outside-tenant office rental typically requires Special Use Permit.
  • Home office: yes Home occupation permitted with standard restrictions.
  • Studio / workshop: yes Personal studio is a normal accessory use.
  • Agriculture: yes Most parcels outside the immediate tourist core are Agricultural-General.
  • Relative support: yes Family / multi-generational ADU is permitted.

Contacts

DepartmentRockbridge County Department of Community Development

Utilities

  • Water: Private well (typical); some commercial parcels on small community systems · 60d connect · $9,000
  • Sewer: Private septic system (typical for residential parcels) · 90d connect · $13,000
  • Electric: Dominion Energy / BARC Electric Cooperative · 30d connect · $2,300
  • Gas: Bottled propane · 14d connect · $1,800

Property values & taxes

Median value$285,000
Median tax$1,995/yr
Effective rate0.7%

Construction timeline

Detached build28 weeks
Conversion14 weeks
Contractor lead4 months

Realistic total: best 8mo · typical 12mo · worst 20mo

Modular pathway Virginia Industrialized Building Safety Law (IBSL) · inspectors are occasional with modular

Natural Bridge is accessed via US-11 / VA-130 from I-81 Exit 175; modular delivery is feasible. Tight historic-property routes near the state park may constrain wide loads.

Financing

Fannie Mae ADUeligible

State ADU loans:

Insurance impact

Annual premium delta$540
Landlord policyrecommended
Umbrella threshold$1M umbrella when renting; STR-grade liability rider strongly recommended given visitor traffic.

STR use typically requires a dedicated STR/commercial-residential policy in place of (or in addition to) standard landlord coverage; premium delta is materially higher than long-term-rental scenarios.

HOA prevalence & preemption

State HOA preemptionno

Minimal HOA presence; some newer tourism-oriented subdivisions may carry covenants.

Regulatory overlays (2)

  • flood-zone
    Cedar Creek (the stream that flows under the Natural Bridge) carries an SFHA in the immediate vicinity of the state park; parcels along the creek require finished-floor elevation compliance.
  • other
    Parcels in the immediate vicinity of Natural Bridge State Park may have scenic-area / view-corridor considerations under Rockbridge County zoning, particularly along the US-11 viewshed approach to the park.
Technical envelope (climate & building code)

Climate & energy code

IECC climate zone4A
Heating degree days4,500
Cooling degree days1,300
Design low / high10°F / 90°F
Frost depth20"
Design snow load25 psf
Wind design speed115 mph
Seismic design cat.B
Annual rainfall41"
Wildfire exposuremoderate
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
Egress window5.7 sqft min
Min ceiling7 ft
Attic R-valueR-49 min
Wall R-valueR-20 min

Amendments:

  • Amendment

Known issues (2)

  • policy-review — Virginia SB531 (effective 2027-07-01) will require Rockbridge County to align its ordinance. STR-specific provisions are not within SB531's scope. (source)
  • other — Adds modest design-review consideration on viewshed-prominent parcels. (source)
Rockbridge County — county ADU rules and overlays

County ADU ordinance

Rockbridge County regulates accessory dwelling units through the Rockbridge County Zoning Ordinance, codified within the Rockbridge County Code and administered by the Rockbridge County Department of Community Development under the authority of the Rockbridge County Board of Supervisors. Virginia is a Dillon Rule state (Commonwealth v. County Bd. of Arlington Cnty., 217 Va. 558 (1977)) and the General Assembly has not enacted any statewide ADU preemption; Rockbridge County's authority to permit or restrict ADUs derives solely from the general zoning enabling statute at Va. Code § 15.2-2280 and the ordinance-content provisions of § 15.2-2286. Rockbridge County is a geographic donut: it surrounds but does NOT govern the independent cities of Lexington and Buena Vista. Under the Virginia constitutional framework (Va. Const. Art. VII) independent cities are political subdivisions coequal to counties, so Lexington and Buena Vista each operate their own zoning ordinances, building departments, and assessor offices and are NOT reached by the Rockbridge County ordinance; the Rockbridge County seat is nominally Lexington but the county courthouse and administrative offices sit within the corporate limits of the City of Lexington, a Virginia oddity that does not confer county zoning authority inside the city. The county ordinance reaches every unincorporated parcel in the county plus parcels in the incorporated towns of Glasgow and Goshen to the extent those towns have not displaced the county code. For ADU-style projects in the unincorporated county, the ordinance permits accessory structures and, in most residential, agricultural, and rural-residential districts, a single primary dwelling per lot; a second detached dwelling on the same parcel is typically not a by-right use and proceeds through either (a) family/kinship-dwelling provisions where the second dwelling is occupied by a family member of the primary-dwelling occupant, (b) a Special Use Permit (SUP) approved by the Board of Supervisors following Planning Commission recommendation, or (c) a minor subdivision placing the second dwelling on its own buildable lot. The county does not operate a California/Oregon/Washington-style by-right ministerial ADU ordinance; ADU-style projects in the unincorporated county proceed through the discretionary SUP path or the family/kinship path depending on intended occupancy.

State-floor overlay: Virginia has not enacted any statewide ADU preemption statute. Virginia is a Dillon Rule state (see Commonwealth v. County Bd. of Arlington County, 217 Va. 558 (1977)); localities have only those powers expressly granted by the General Assembly. The general zoning enabling statute at Va. Code § 15.2-2280 grants counties, cities, and towns broad authority to regulate land use, and § 15.2-2286 enumerates the specific ordinance provisions that may be included. Neither statute, nor any section of Title 15.2 Chapter 22 Article 7, mandates that a locality permit ADUs, requires ministerial review of ADU applications, caps parking requirements, caps fees, or voids owner-occupancy requirements. Rockbridge County is therefore free to permit, restrict, or prohibit second dwellings under its zoning ordinance within the ordinary constitutional limits on land-use regulation. ADU preemption bills have been introduced in the Virginia General Assembly in multiple recent sessions (2022-2025) without enactment; the statewide regulatory picture at the county level is unchanged as of 2026-04-21.

County regulatory overlays

Rockbridge County administers or is subject to several overlay regimes that materially affect ADU siting on unincorporated parcels: (1) FEMA Special Flood Hazard Areas along the Maury River (bisecting the county through Goshen Pass to the confluence with the James River at Glasgow), the James River (forming the southeast county boundary), South River, North River, Kerrs Creek, Buffalo Creek, and their tributaries, with NFIP floodplain regulations administered through the county's floodplain ordinance; (2) Blue Ridge Parkway adjacency — the Parkway crosses the eastern ridgeline of Rockbridge County near the James River Water Gap / Otter Creek / Arnold's Valley area, with scenic-corridor considerations on private parcels visible from the corridor; (3) George Washington & Jefferson National Forest — very large portions of the western (Allegheny flank: Little North Mountain, Great North Mountain) and eastern (Blue Ridge flank: Thunder Ridge, Cave Mountain Lake area) Rockbridge County mountain territory are federal forest land managed by the U.S. Forest Service; federal regulation applies inside the forest boundary, and private parcels adjacent to or in-holding within the forest must contend with fire-management, access, and buffer considerations; (4) Appalachian Trail corridor — the AT crosses eastern Rockbridge County along the Blue Ridge (Thunder Ridge, Apple Orchard Mountain area) and southwestern Rockbridge County (Lynch Hollow, Pedlar Ranger District stretches), with National Park Service scenic-easement and corridor-management interests that can affect ridgetop and ridgeline-visible development on nearby private parcels; (5) Natural Bridge State Park adjacency — Natural Bridge State Park, one of the most visited state parks in Virginia, occupies the Natural Bridge gorge and surrounding landscape in the southern portion of the county; state-park management by the Virginia Department of Conservation and Recreation does not directly confer zoning authority on adjacent private parcels, but county zoning treats the park's scenic and tourism-corridor character as a planning consideration in the Natural Bridge / Natural Bridge Station area; (6) Agricultural and Forestal Districts (AFDs) established under Va. Code § 15.2-4300 et seq., which provide participating landowners use-value taxation and subdivision-deferral protections in exchange for a commitment to keep land in agricultural or forestal use — Rockbridge County has established several AFDs across its agricultural valleys (Kerrs Creek, Walker's Creek, Buffalo Creek, and others); (7) Chesapeake Bay Preservation Act applicability — Rockbridge County is NOT in the Tidewater area covered by the Chesapeake Bay Preservation Act (Va. Code § 62.1-44.15:67 et seq.), so Resource Protection Areas (RPAs) and Resource Management Areas (RMAs) do not apply; (8) wildfire risk — Rockbridge County has elevated wildfire exposure in its mountain and national-forest-adjacent areas (tracked by the Virginia Department of Forestry), but Virginia does not have a California-style Very High Fire Hazard Severity Zone regulatory overlay with mandatory ignition-resistant-construction requirements; (9) Karst terrain — substantial portions of the Shenandoah Valley limestone belt through Rockbridge County exhibit karst geology (sinkholes, caves — including the famous Natural Bridge formation and adjacent caverns, springs, losing streams), which affects septic suitability, foundation engineering, and stormwater infiltration; Virginia Department of Environmental Quality and Department of Conservation and Recreation have karst-protection guidance, and the county requires site-specific geotechnical consideration for structures in mapped karst areas.

  • FEMA National Flood Insurance Program — Special Flood Hazard Areas (Maury River, James River, and tributaries) — Rockbridge County participates in the National Flood Insurance Program and administers a county floodplain ordinance satisfying the NFIP minimum standards. Principal Special Flood Hazard Area (SFHA) extents in the county run along the Maury River (headwaters near Goshen, through Goshen Pass, past Rockbridge Baths, through the cities of Lexington and Buena Vista — where city ordinances govern within city limits — and to the confluence with the James River at Glasgow), the James River (forming the southeastern county boundary near Natural Bridge Station and Glasgow), South River (through Buena Vista), North River (northwestern county), Kerrs Creek (western county), Buffalo Creek, and various smaller tributaries. An ADU in an SFHA must comply with NFIP elevation requirements (lowest finished floor at or above Base Flood Elevation plus any county freeboard), flood vent requirements on enclosed areas below BFE, anchoring requirements, and post-construction Elevation Certificate filing. The Town of Glasgow, situated at the confluence of the Maury and James Rivers, has significant SFHA coverage on older river-adjacent lots and participates in NFIP separately for its corporate area. Owners considering ADU additions in flood-exposed areas should retrieve current-effective FIRM panels early in planning.
  • Blue Ridge Parkway scenic-corridor adjacency — The Blue Ridge Parkway passes through eastern Rockbridge County along the Blue Ridge crest near the James River Water Gap (approximately milepost 63-72, the Otter Creek / Arnold's Valley / Thunder Ridge corridor) before continuing south into Bedford and Botetourt Counties. The Parkway is federal land managed by the National Park Service; NPS regulation applies within the Parkway boundary, not to private parcels outside it. However, Rockbridge County zoning may apply scenic-corridor or ridgetop-visibility provisions along portions of the Parkway corridor to limit visual impacts on the Parkway viewshed (per NPS cooperative policy with localities along the Parkway), and individual deed restrictions or scenic easements may apply to specific parcels adjacent to the Parkway. Owners of parcels visible from the Parkway should check the zoning overlay (if any) in effect for their specific parcel, any recorded scenic easements, and whether the site falls within an ordinance ridgetop-protection zone before siting a detached ADU on a high-visibility slope or ridgeline.
  • George Washington & Jefferson National Forest adjacency and in-holdings — Very large portions of western and eastern Rockbridge County lie within or adjacent to the George Washington & Jefferson National Forest. The western flank (North Mountain, Little North Mountain, Mill Mountain) is part of the Warm Springs and Glenwood-Pedlar Ranger Districts; the eastern flank (Thunder Ridge, Apple Orchard Mountain, Cave Mountain Lake) is part of the Glenwood-Pedlar Ranger District. National Forest System lands are federally administered; private in-holdings (inholdings) and private parcels adjacent to the forest boundary remain under county zoning but face practical constraints from fire-management activities, access easements across forest land, and forest-boundary fire-buffer best practices. An ADU on a forest-adjacent or in-holding parcel should be sited with consideration of wildfire exposure, forest-road access reliability, and any recorded easements or rights-of-way crossing federal land. Owners should contact the Glenwood-Pedlar or Warm Springs Ranger District for in-holding access and fire-management questions.
  • Appalachian Trail corridor (National Park Service scenic easement interests) — The Appalachian Trail crosses Rockbridge County along the Blue Ridge crest in the eastern portion of the county (Thunder Ridge, Apple Orchard Mountain, Petites Gap area) and dips into the southwestern county along the Pedlar and Lynch Hollow stretches. The AT corridor is federally protected and administered by the National Park Service, U.S. Forest Service, and the Appalachian Trail Conservancy. Private parcels visible from the AT may be subject to voluntary scenic easements, donated conservation easements held by the Virginia Outdoors Foundation, or deed-restriction programs intended to preserve the trail viewshed. A detached ADU sited on a ridgetop or upper slope visible from the AT may face scenic-easement review if the parcel is encumbered; owners should title-check for recorded scenic easements, Appalachian Trail Conservancy interests, or Virginia Outdoors Foundation easements before designing a high-visibility structure.
  • Natural Bridge State Park adjacency — Natural Bridge State Park occupies the Natural Bridge gorge — the 215-foot-tall limestone arch formed by Cedar Creek — and surrounding landscape in the southern portion of Rockbridge County, near the unincorporated communities of Natural Bridge and Natural Bridge Station. The park was acquired by the Commonwealth in 2016 from private ownership and is managed by the Virginia Department of Conservation and Recreation. DCR does not exercise zoning authority over adjacent private parcels — county zoning continues to apply off-park — but the park's scenic, tourism, and conservation character is a planning consideration in the surrounding area. Parcels visually prominent from the park's trails, overlooks, or US-11 / Lee Highway approach corridor may draw greater Planning Commission or community attention during Special Use Permit review for non-residential or visually intense uses. ADU-by-conversion of existing structures in the Natural Bridge / Natural Bridge Station tourism corridor is common; detached ADU construction on highly visible ridgelines near the park should be designed with the park viewshed in mind.
  • Virginia Agricultural and Forestal Districts (local option under state law) — Rockbridge County has established Agricultural and Forestal Districts under the state AFD Act across several of its agricultural valleys (Kerrs Creek, Walker's Creek, Buffalo Creek, and others — confirm current AFD roster with the Department of Community Development). Enrollment is voluntary; participating landowners commit to keeping land in agricultural or forestal use for a period (typically 4-10 years) in exchange for use-value assessment (Va. Code § 58.1-3230 et seq.) and limited protection from certain governmental actions that would disrupt agricultural use. An ADU on an AFD-enrolled parcel is generally permitted if it is an accessory use to continued agricultural operation (e.g., a farm-labor dwelling or family-kinship dwelling), but non-agricultural commercial-rental ADUs may conflict with AFD purposes and trigger AFD advisory-committee review. Owners should consult the Rockbridge County AFD Advisory Committee and the zoning administrator before assuming ADU compatibility on AFD-enrolled acreage.
  • Karst terrain (sinkholes, caves, springs — Shenandoah Valley limestone belt) — The Shenandoah Valley limestone belt through Rockbridge County contains substantial karst features — sinkholes, caves (the most famous being the Natural Bridge itself, formed by Cedar Creek eroding through the Ordovician limestone, plus numerous commercial and non-commercial caves nearby), losing streams, springs, and shallow bedrock. Karst terrain materially affects ADU siting because (a) conventional onsite septic systems can short-circuit into groundwater via fractures and sinkholes, requiring engineered or alternative onsite sewage systems subject to VDH Central Shenandoah Health District approval; (b) stormwater management must avoid concentrated infiltration into open sinkholes; (c) foundation engineering for slab or crawl construction may require geotechnical investigation if shallow bedrock, solution cavities, or sinkhole-collapse risk is present; (d) structural setbacks from mapped sinkholes are commonly required by the county. Owners in the Rockbridge karst belt (broadly: the central valley floor from Fairfield south through the Lexington / Buena Vista area and down to Natural Bridge) should plan for additional geotechnical and environmental-health review relative to non-karst Virginia sites.
  • Virginia Department of Forestry wildfire risk and Virginia Statewide Building Code WUI provisions — Rockbridge County has elevated wildfire exposure in its mountain and national-forest-adjacent areas (Blue Ridge flank to the east, Allegheny flank to the west), where the Virginia Department of Forestry tracks wildfire risk using statewide risk-assessment methodology. Unlike California, Virginia does not have a statewide Very High Fire Hazard Severity Zone overlay that mandates WUI-rated construction materials on a per-parcel basis. The Virginia Department of Forestry publishes wildfire risk assessments and promotes defensible-space practices, but enforcement is advisory rather than regulatory. The Virginia Uniform Statewide Building Code, which is the single statewide building code (localities cannot impose more stringent building standards), has not statewide-adopted the International Wildland-Urban Interface Code. Owners in wildfire-exposed Rockbridge County locations (especially national-forest-adjacent, Blue Ridge-adjacent, and Allegheny-adjacent parcels) should follow defensible-space best practices but face no locality-imposed WUI construction overlay analogous to California Chapter 7A.

County permitting (unincorporated parcels)

The Rockbridge County Department of Community Development (Planning, Zoning, and Building Inspections) is the permitting authority for building permits, zoning permits, and Special Use Permits on parcels within the unincorporated county — i.e., parcels outside the corporate limits of the independent cities of Lexington and Buena Vista and outside the incorporated towns of Glasgow and Goshen. Rockbridge County comprises approximately 601 square miles of central Shenandoah Valley and Blue Ridge / Allegheny flanking terrain in western Virginia, with a population of roughly 22,000. The county completely surrounds but does NOT govern the City of Lexington (home to Washington and Lee University and Virginia Military Institute) or the City of Buena Vista; each independent city operates its own zoning ordinance, building department, and assessor. Populated unincorporated communities in the county include Fairfield, Brownsburg, Raphine, Rockbridge Baths, Natural Bridge, Natural Bridge Station, and Kerrs Creek; the Town of Glasgow sits at the confluence of the Maury and James Rivers in the southeastern corner of the county, and the Town of Goshen sits at the northwestern end along the Maury River headwaters. Natural Bridge State Park, a major tourism anchor in the southern portion of the county, affects surrounding parcel character but does not itself exercise zoning authority — park operations are governed by the Virginia Department of Conservation and Recreation (DCR). For an ADU-style project in the unincorporated county, the typical sequence is: (a) zoning determination by the Department of Community Development (by-right accessory use, family/kinship dwelling, Special Use Permit required, or prohibited); (b) if SUP required, application to the Planning Commission and Board of Supervisors; (c) building permit application to the county building official; (d) VDH Central Shenandoah Health District review for well and septic (required for the large majority of unincorporated parcels, which lack public water/sewer); (e) inspections through construction; (f) certificate of occupancy. Applicants should expect a substantially longer timeline if an SUP is required, because the SUP process is a public-hearing process with statutory notice requirements under Va. Code § 15.2-2285 and § 15.2-2204.

DepartmentRockbridge County Department of Community Development
Address150 South Main Street, Lexington, VA 24450 (Rockbridge County administrative offices, located within the corporate limits of the City of Lexington — a Virginia oddity in which the county seat address is inside an independent city that the county does not govern)
Phone540-463-4361 (county main number; confirm Community Development / Planning / Zoning / Building Inspections direct lines at intake)
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

  • 24578

Post Office

  • 6477 S Lee Hwy, 24578