Damascus

Washington County portion

ADU Pass helps homeowners in Damascus, Washington 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: unclear

Statewith-restrictions (Virginia Code Title 15.2 Chapter 22 (Dillon Rule zoning enabling); SB531 (2026 Regular Session, signed 2026-04-13, effective 2027-07-01)) — Virginia is a Dillon Rule state. SB531 (effective 2027-07-01) will require all localities including the Town of Damascus to permit ADUs by-right in single-family residential districts, cap permit fees at $500, and prohibit dimensional standards more restrictive than for primary dwelling.
Countywith-restrictions (Washington County Zoning Ordinance applies outside Damascus Town limits; Town of Damascus zoning applies inside) — Damascus is an incorporated town within Washington County. Town zoning governs parcels inside Town corporate limits (approximately 0.8 sq mi). Washington County zoning governs parcels in the surrounding unincorporated areas.
Cityunclear (Town of Damascus Code of Ordinances - zoning regulations) — The Town of Damascus's specific accessory-dwelling-unit provisions are not readily extractable from public sources as of 2026-05-13. Town zoning is administered through the Code of Ordinances with detail available from Town Hall. Damascus's compact corporate footprint (approximately 0.8 sq mi) and small population (789, 2026 estimate) mean ADU regulation is light-touch. Trail Town USA tourism economy (Appalachian Trail, Virginia Creeper Trail, Iron Mountain Trail, and four additional trails converge in town) creates strong STR demand that interacts with any ADU policy. Applicants should contact the Town of Damascus directly at (276) 475-3831 for specific ADU rules.

Damascus's specific town-level ADU rules are not extractable from online sources alone. The trail-tourism economy supports strong STR demand year-round but particularly during the May Trail Days festival. SB531 will establish a statewide by-right ADU pathway in single-family-residential districts effective 2027-07-01, providing a floor below which the Town cannot fall. For specific permit information today, contact Damascus Town Hall at (276) 475-3831.

Cost scenarios

ScenarioSq ft PermitBuildTotal
minimum 400 $850 $84,000 $84,850
midpoint 600 $1,050 $138,000 $139,050
maximum 1,000 $1,400 $250,000 $251,400
Fee breakdown (as of 2026-05)
Plan review$150
Building permit$650
Total$950

Permitting process

Typical duration35 days
Backlog5 days
  1. Zoning verification with Town of Damascus (~5d)
    Confirm parcel zoning and ADU eligibility with Damascus Town Hall at (276) 475-3831. Town offices are at 113 East Imboden Street, Damascus, VA 24236.
  2. Building permit application (~1d)
    Building permit through Town or via Washington County's building department if Town defers to County (some Virginia small towns contract building inspections to the county). USBC-compliant construction documents required.
  3. Plan review (~21d)
    USBC plan review by Town or County building official. Typical small-town plan review 2-4 weeks.
  4. Utility connections (Damascus Water and Sewer) (~14d)
    Town of Damascus operates municipal water and sewer. Service-availability check and tap fees if new connection required.
  5. Construction inspections and certificate of occupancy (~5d)
    Footing, framing, rough MEP, insulation, final inspections. CO at successful final.

Viability (permitted uses)

  • Long-term rental: unclear Town's specific ADU and rental rules are not extractable from online sources. Long-term rental typically permitted in Virginia small-town ADU frameworks but should be confirmed.
  • Short-term rental: with-restrictions Damascus's trail-tourism economy makes STR demand strong year-round and very strong during Trail Days (May, 25,000+ visitors). Town STR rules should be verified before purchase.
  • Office rental: unclear
  • Home office: yes Owner's home-office use of ADU permitted as accessory residential.
  • Studio / workshop: unclear Damascus's tourism economy supports artist studio and outdoor-gear shop home-occupation patterns; specific permit requirements should be confirmed.
  • Agriculture: no Damascus is incorporated; agricultural uses limited within Town limits.
  • Relative support: yes Family-member ADU occupancy permitted under Virginia general framework; specific town rules should be confirmed.

Incentives

Contacts

DepartmentTown of Damascus (small-town combined planning / zoning / building permit administration)

Utilities

  • Water: Town of Damascus Water Department · 14d connect · $1,200
    Town municipal water within corporate limits.
  • Sewer: Town of Damascus Sewer Department · 14d connect · $1,200
    Town sanitary sewer within corporate limits.
  • Electric: American Electric Power (AEP) Appalachian Power · 14d connect · $700
    AEP Appalachian Power serves Damascus.
  • Gas: Propane (no natural gas distribution in Damascus) · 14d connect · $1,100
    Damascus residents on propane or electric heat pumps; no natural gas pipeline distribution.

Property values & taxes

Median value$165,000
Median tax$850/yr
Effective rate0.5%

Market rent by ADU size

Sq ftRent
400$700/mo
600$850/mo
1,000$1,050/mo

Construction timeline

Detached build22 weeks
Conversion9 weeks
Contractor lead4 months

Realistic total: best 7mo · typical 10mo · worst 15mo

Damascus contractor market is small; many trade with Bristol VA / Abingdon-area GCs. Trail Days season (May) compresses contractor availability.

Modular pathway Virginia Industrialized Building Safety Law · inspectors are novice with modular

US-58 access; narrow Town streets near trail district may constrain large modular delivery.

Financing

Typical HELOC8.2%
Cash-out refi avg7.1%
Fannie Mae ADUeligible

Insurance impact

Annual premium delta$420
Landlord policyrecommended
Umbrella threshold$1M umbrella; $1.5M for STR given trail-tourist liability exposure

Higher delta than non-flood-zone neighbors due to FEMA SFHA exposure on many Damascus parcels. Flood insurance separate (NFIP) for SFHA parcels.

HOA prevalence & preemption

% parcels under HOA5%
State HOA preemptionno
Preemption citationNo Virginia statewide preemption of HOA ADU bans

Damascus is predominantly older fee-simple single-family. HOAs very rare in Town limits.

Regulatory overlays (2)

  • flood-zone — FEMA Flood Insurance Rate Maps for Damascus - South Fork Holston River and Laurel Creek floodplains pass through Town · +14d · +8% cost
    Significant portions of Damascus are in SFHA Zone A/AE due to the river and creek floodplains. Elevation certificate required for ADUs in flood-zone parcels. 2018 catastrophic flooding caused major damage; building requirements have tightened. (map)
  • other — Appalachian Trail / Virginia Creeper Trail corridor near and within Town limits
    Trail corridors within town limits don't create regulatory overlays per se but inform Town aesthetic considerations and STR-permit policy. (map)
Technical envelope (climate & building code)

Climate & energy code

IECC climate zone4A
Heating degree days4,700
Cooling degree days1,100
Design low / high8°F / 87°F
Frost depth18"
Design snow load25 psf
Wind design speed115 mph
Seismic design cat.B
Annual rainfall48"
Wildfire exposuremoderate
Energy codeVirginia Residential Code (USBC Part I)
Version / adopted2021 IRC / 2021 IECC with VA amendments / 2023-01-18

Building code

Base codeVirginia Uniform Statewide Building Code (USBC) Part I
Version year2,021
Adopted2023-01-18
Fire sprinklernone
Egress window5.7 sqft min
Min ceiling7 ft
Attic R-valueR-49 min
Wall R-valueR-20 min

Known issues (2)

  • fee-schedule-pending (since 2026-05-13) — Applicants must contact Town Hall at (276) 475-3831 for specific rules; this creates friction vs. larger jurisdictions with online searchable codes. (source)
  • other (since 2018) — Flood-zone parcels require elevation certificates and flood insurance; some areas may face limited buildability due to floodway constraints. (source)
Washington County — county ADU rules and overlays

County ADU ordinance

Washington County, Virginia (the far-southwestern-Virginia county with county seat Abingdon — not Washington County in Maryland, Pennsylvania, Tennessee, Ohio, Arkansas, or any of the 30+ other U.S. counties sharing the name, and not the District of Columbia) regulates accessory dwelling units through its county Zoning Ordinance, administered by the Washington County Department of Community Development (Planning / Zoning / Building Inspections) under the authority of the Washington County Board of Supervisors. Virginia is a Dillon Rule state (Commonwealth v. County Bd. of Arlington County, 217 Va. 558 (1977); Board of Supervisors of James City County v. Rowe, 216 Va. 128 (1975)) and the General Assembly has not enacted any statewide ADU preemption; the 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 authorization at § 15.2-2286. The county zoning ordinance establishes Agricultural, Residential, Mixed-Use, Commercial, and Industrial use districts and sets permitted, accessory, and special-use lists for each district; a second dwelling on a single residential or agricultural parcel is not a by-right use in the standard residential districts and typically requires (a) qualification under the county's family/kinship-dwelling provisions (occupied by a family member of the primary-dwelling occupant), (b) a Special Use Permit approved by the Board of Supervisors following Planning Commission recommendation, or (c) a minor subdivision placing the second dwelling on its own lot. Washington County has not adopted a standalone ministerial ADU ordinance of the California / Oregon / Washington by-right type; ADU-style projects in the unincorporated county proceed through the discretionary SUP path or the family/kinship path depending on intended occupancy. Three jurisdictions within the county's geographic footprint have separate authority: the Town of Abingdon (the county seat, an incorporated town — not an independent city), the Town of Damascus, and the Town of Glade Spring each have their own zoning ordinances governing parcels inside town corporate limits. Most importantly, the independent City of Bristol, Virginia sits within the county's geographic envelope but is NOT part of Washington County for governance purposes — under Virginia's unique city/county separation (Va. Const. art. VII, § 2 and Va. Code § 15.2-3907), independent cities are wholly separate from the surrounding county and have their own zoning ordinance, board of zoning appeals, building permits, real estate assessor, and everything else; Washington County's zoning ordinance has no application inside Bristol, VA city limits.

State-floor overlay: Virginia has not enacted any statewide ADU preemption statute. Virginia is a Dillon Rule state: localities possess only those powers expressly granted by the General Assembly (Commonwealth v. County Bd. of Arlington County, 217 Va. 558 (1977); Board of Supervisors of James City County v. Rowe, 216 Va. 128 (1975)). The general zoning enabling statute at Va. Code § 15.2-2280 grants counties 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 (non-discretionary) review of ADU applications, caps parking requirements, caps permit fees, voids owner-occupancy requirements, or otherwise preempts local ADU decision-making. ADU preemption bills have been introduced in the Virginia General Assembly in multiple recent sessions (HB 2046 in 2023; HB 900 and HB 1628 in 2024; related bills in 2025) without enactment of a statewide ADU-by-right preemption. Washington County is therefore free to permit, restrict, or prohibit second dwellings under its zoning ordinance, within the ordinary constitutional limits on land-use regulation and subject to the Virginia Fair Housing Law (Va. Code § 36-96.1 et seq.).

County regulatory overlays

Washington 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 South Fork Holston River, Middle Fork Holston River, North Fork Holston River, Beaver Creek, Laurel Creek, and numerous smaller streams, with NFIP floodplain regulations administered through the county's floodplain ordinance; (2) Jefferson National Forest and Mount Rogers National Recreation Area — significant portions of the southeastern Washington County mountain territory (the Iron Mountains / Whitetop / Mount Rogers area, adjacent to the Grayson County line) lie within or adjacent to federal forest land managed by the U.S. Forest Service, with federal regulation applying inside the forest boundary and fire-management / access / buffer considerations on adjacent private parcels; (3) Virginia Creeper Trail corridor — the 34-mile rails-to-trails Virginia Creeper National Recreation Trail runs from Abingdon through Damascus and continues to Whitetop Station; the trail corridor is administered jointly by Washington County, the Town of Abingdon, the Town of Damascus, and the U.S. Forest Service on the upper portion, and the trail generates significant heritage-tourism activity that affects ADU siting economics and short-term-rental demand on trail-adjacent parcels; (4) Appalachian Trail corridor — the AT passes through the Mount Rogers area at the Washington County / Grayson County / Smyth County boundary region, with National Park Service and Appalachian Trail Conservancy scenic-easement and corridor-management interests on nearby private parcels; (5) 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; (6) Chesapeake Bay Preservation Act does NOT apply — Washington County is in the Tennessee River watershed (tributary to the Mississippi via the South Fork Holston / Tennessee Valley Authority system), not the Chesapeake Bay watershed, so the Tidewater-area Resource Protection Area / Resource Management Area regime under Va. Code § 62.1-44.15:67 et seq. has no application; (7) karst terrain — Washington County sits in the Great Valley limestone belt and has extensive karst geology (sinkholes, caves, losing streams, springs, shallow bedrock), which materially affects septic suitability, foundation engineering, stormwater infiltration, and sinkhole-setback requirements; (8) wildfire risk — the Virginia Department of Forestry tracks elevated wildfire risk in the Jefferson National Forest-adjacent and Mount Rogers-adjacent portions of the county, but Virginia does not have a California-style Very High Fire Hazard Severity Zone regulatory overlay with mandatory ignition-resistant-construction requirements; (9) Tennessee Valley Authority / South Holston Lake — portions of the county along the South Fork Holston River are affected by TVA floodway and reservoir-operation considerations, with TVA shoreline-management policy applying on parcels adjacent to TVA-controlled flowage easements.

  • FEMA National Flood Insurance Program — Special Flood Hazard Areas (Holston River forks and tributaries) — Washington 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 South Fork Holston River (which flows through the southern part of the county toward South Holston Lake / Tennessee), the Middle Fork Holston River (which flows east-to-west through the central part of the county past Abingdon toward the Holston River system), the North Fork Holston River (along the Russell County / Scott County boundary corridor), Beaver Creek, Laurel Creek, Tumbling Creek, Abrams Creek, and numerous 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 Towns of Abingdon and Damascus also participate in NFIP separately for parcels inside their corporate limits. Owners considering ADU additions on creek-adjacent or river-adjacent parcels should retrieve current-effective FIRM panels from the FEMA Map Service Center early in planning.
  • Jefferson National Forest and Mount Rogers National Recreation Area adjacency and in-holdings — Significant portions of southeastern Washington County (the Iron Mountains / Whitetop / Mount Rogers area, adjacent to the Grayson County and Smyth County lines) lie within or adjacent to the Jefferson National Forest, administered by the George Washington & Jefferson National Forest. Mount Rogers National Recreation Area, established by Congress in 1966, covers approximately 200,000 acres across Washington, Grayson, and Smyth counties and includes Virginia's highest point (Mount Rogers, 5,729 feet, just across the county line in Grayson). National Forest System lands are federally administered; private in-holdings 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 Mount Rogers Ranger District for in-holding access and fire-management questions.
  • Virginia Creeper National Recreation Trail corridor — The Virginia Creeper Trail is a 34-mile rails-to-trails corridor running from Abingdon through the unincorporated communities of Watauga and Alvarado to Damascus, then continuing up through the Mount Rogers area to Whitetop Station. The lower portion (Abingdon through Damascus) passes through Washington County and the incorporated Towns of Abingdon and Damascus; the upper portion (Damascus to Whitetop) passes through Jefferson National Forest land. The trail is one of the anchor amenities of the county's heritage-tourism economy and generates substantial short-term-rental demand on trail-adjacent and trail-accessible parcels. An ADU on a trail-adjacent parcel may be economically attractive as a short-term rental (subject to any county or town short-term-rental regulations), but the trail itself is not a zoning overlay in the regulatory sense — rather, its presence materially affects parcel desirability, assessed value, and short-term-rental market economics. Owners should consult the county zoning administrator about any trail-corridor overlay, scenic-corridor overlay, or trail-adjacency setback in the specific zoning district, and consult recorded deed documents for any trail-corridor easements or right-of-way grants.
  • Appalachian Trail corridor (National Park Service scenic easement interests, Mount Rogers area) — The Appalachian Trail passes through southeastern Washington County in the Mount Rogers National Recreation Area, crossing near the county line with Grayson and Smyth counties. 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, 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 easement-compliance 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 on a nearby parcel.
  • Virginia Agricultural and Forestal Districts (local option under state law) — Washington County has established Agricultural and Forestal Districts under the state AFD Act. 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 Washington County AFD Advisory Committee and the zoning administrator before assuming ADU compatibility on AFD-enrolled acreage; combining AFD enrollment with a non-qualifying ADU use can trigger rollback taxation under the land-use program.
  • Karst terrain (sinkholes, caves, springs — Great Valley limestone belt) — Washington County sits squarely in the Great Valley limestone belt that runs the length of western Virginia, and karst features — sinkholes, caves (including several commercially significant show caves in the region), losing streams, springs, and shallow bedrock — are extensive throughout the county. 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 Virginia Department of Health 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 karst belt should plan for additional geotechnical and environmental-health review relative to non-karst Virginia sites, and should expect higher per-ADU site-preparation and septic-system costs than a comparable non-karst parcel.
  • Tennessee Valley Authority shoreline management and flowage easements (South Holston Lake / Holston River system) — The South Fork Holston River flows through southern Washington County toward South Holston Lake, a TVA-operated reservoir straddling the Virginia-Tennessee line in the Bristol area. TVA holds flowage easements and shoreline-management interests on parcels adjacent to the river and reservoir, and TVA Section 26a permits (under 16 U.S.C. § 831y-1) are required for construction of any obstruction in, along, across, or over any stream, waterway, or other area across which TVA exercises jurisdiction — which for shoreline parcels commonly means docks, piers, shoreline-stabilization structures, and any construction within the flowage easement. An ADU sited on a shoreline or river-adjacent parcel may encounter (a) a TVA flowage easement restricting structures within a specified elevation zone, (b) a Section 26a permit requirement for shoreline features supporting ADU access or views, and (c) NFIP floodplain compliance separate from the TVA process. Owners of shoreline parcels should contact TVA's Chattanooga land-management office early in planning.
  • Virginia Department of Forestry wildfire risk and Virginia Statewide Building Code WUI provisions — Washington County has elevated wildfire exposure in its Jefferson National Forest-adjacent and Mount Rogers-adjacent areas, 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 under Va. Code § 36-98), has not statewide-adopted the International Wildland-Urban Interface Code. Owners in wildfire-exposed Washington County locations should follow defensible-space best practices but face no locality-imposed WUI construction overlay analogous to California Chapter 7A.
  • Abingdon Historic District (Town of Abingdon) — applicable to town parcels, noted for county-reader completeness — The Abingdon Historic District is a National Register-listed district within the Town of Abingdon corporate limits; design-review and Certificate of Appropriateness requirements are administered by the Town of Abingdon Architectural Review Board, not by Washington County. This overlay is noted here for completeness because a reader arriving at the county file may be researching an Abingdon-area ADU project and will need to route any historic-district review through the town, not the county. Washington County's ordinance does not apply inside the Town of Abingdon corporate limits.

County permitting (unincorporated parcels)

The Washington County Department of Community Development is the permitting authority for zoning permits, Special Use Permits, subdivision approvals, and building permits on parcels within the unincorporated county (i.e., parcels outside the corporate limits of the Town of Abingdon, Town of Damascus, and Town of Glade Spring, and outside the separate independent City of Bristol, Virginia). Washington County comprises approximately 565 square miles in the Great Valley of the Blue Ridge / Appalachian region of far southwestern Virginia, bounded by Smyth County to the northeast, Russell County to the north, Scott County to the west, the Tennessee state line (Sullivan and Johnson counties, TN) to the south, and Grayson County to the southeast. The county has a population of approximately 53,000 and an economy built heavily on heritage tourism (Abingdon's historic district, Barter Theatre, Martha Washington Inn, Virginia Creeper Trail, Crooked Road traditional-music heritage, Mount Rogers area), higher education (Emory & Henry College in the unincorporated community of Emory), health care (Ballad Health regional presence), and agriculture. Principal unincorporated communities include Emory (home of Emory & Henry College), Meadowview, Mendota, Bristol (the Virginia-side rural-fringe parcels attributable to the county, as distinct from the independent City of Bristol), Hayters Gap, Watauga, Glade Hollow, and numerous rural neighborhoods along US-11, US-19, US-58, US-421, and the I-81 corridor. For an ADU-style project in the unincorporated county, the typical sequence is: (a) pre-application zoning determination by the Department of Community Development (family/kinship dwelling, Special Use Permit required, or prohibited); (b) if a Special Use Permit is required, application to the Planning Commission and Board of Supervisors via the Va. Code § 15.2-2285 public-hearing process; (c) building permit application to the county building official; (d) Virginia Department of Health well-and-septic evaluation (for parcels not served by public utilities) through the Mount Rogers Health District office; (e) construction inspections under the Virginia Uniform Statewide Building Code; (f) certificate of occupancy. Applicants should expect a materially longer timeline if an SUP is required, because the SUP process is a public-hearing process with statutory notice requirements.

DepartmentWashington County Department of Community Development
Address1 Government Center Place, Abingdon, VA 24210 (Washington County Government Center; confirm suite at intake)
Phone276-525-1303 (Washington County main; confirm direct line for Community Development 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

  • 24236

Post Office

  • 211 N Reynolds St, 24236