Olympia

Thurston County portion

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

3 ZIP codes

ADU details

ADU legality: allowed

Stateallowed (Washington accessory-dwelling framework) — GMA-planning cities and counties (all fully planning jurisdictions under RCW 36.70A.040). Non-GMA-planning jurisdictions are not preempted by RCW 36.70A.680-.681 and retain full local authority over ADUs.
Countyallowed (Thurston County unincorporated zoning) — Thurston County permits ADUs in unincorporated areas under state-law-aligned standards. Within Olympia city limits the city ordinance plus state law govern.
Cityallowed (City of Olympia Municipal / Zoning Code — Accessory Dwelling Units) — City of Olympia permits ADUs under the local ordinance aligned with Washington statewide framework where applicable. Thurston County seat; Washington state capital; HB 1337 statewide preempt applies.

Washington preempts most local ADU restrictions. Olympia permits ADUs by right in single-family zones per its zoning ordinance.

Cost scenarios

ScenarioSq ft PermitBuildTotal
minimum 150 $2,900 $45,750 $48,650
600 600 $2,900 $183,000 $185,900
midpoint 675 $2,900 $205,875 $208,775
maximum 1,200 $2,900 $366,000 $368,900
Fee breakdown
Plan review$870
Building permit$1,595
Impact fees$435
Total$2,900

Viability (permitted uses)

  • Long-term rental: yes Long-term rental of ADU explicitly permitted; Washington owner-occupancy preemption (where applicable) makes ADU eligible for full landlord-tenant treatment.
  • Short-term rental: with-restrictions STR rules vary by city. Olympia regulates STRs separately from ADU permitting; check local STR ordinance and HOA covenants.
  • Office rental: with-restrictions Detached office rental requires home occupation permit or rezoning.
  • Home office: yes Home occupation permitted with restrictions on signage and customer traffic.
  • Studio / workshop: yes Personal artist studio is a permitted accessory use.
  • Agriculture: with-restrictions Limited urban agriculture permitted in residential zones; livestock varies by district.
  • Relative support: yes Family-occupancy ADU explicitly permitted in single-family zones.

Utilities

  • Water: Olympia Water Utility · 21d connect · $4,500
  • Sewer: Olympia Sewer / Wastewater · 21d connect · $5,500
  • Electric: Olympia Electric Utility · 14d connect · $1,800
  • Gas: Olympia Gas Utility · 21d connect · $1,500

Property values & taxes

Median value$485,000
Median tax$4,608/yr
Effective rate0.9%

Construction timeline

Detached build24 weeks
Conversion12 weeks
Contractor lead4 months

Realistic total: best 7mo · typical 11mo · worst 17mo

Financing

Insurance impact

Annual premium delta$480
Landlord policyrecommended
Umbrella threshold$1M umbrella when renting

HOA prevalence & preemption

State HOA preemptionno

Washington enacted HOA preemption of ADU bans in Substitute House Bill 1337 (2023), which amended the Washington Uniform Common Interest Ownership Act and the Washington Horizontal Property Regimes Act to prohibit common-interest communities from banning ADUs on lots in GMA-planning jurisdictions. A homeowners' association may impose reasonable aesthetic or architectural standards, but may not categorically prohibit ADUs.

Regulatory overlays (2)

  • historic-district
    Olympia historic districts trigger Architectural Review Board / Historic Preservation Commission review for ADUs in historic boundaries.
  • seismic-zone
    Seismic Design Category D1 per ASCE 7; soft-story and unreinforced-masonry seismic considerations may apply.
Technical envelope (climate & building code)

Climate & energy code

IECC climate zone4C
Heating degree days4,500
Cooling degree days300
Design low / high30°F / 80°F
Frost depth6"
Design snow load25 psf
Wind design speed100 mph
Seismic design cat.D1
Annual rainfall38"
Wildfire exposurelow
Energy codeIECC
Version / adopted2021 / 2023

Building code

Base codeIRC
Version year2,021
Adopted2023
Fire sprinklernone
Egress window5.7 sqft min
Min ceiling7 ft
Attic R-valueR-49 min
Wall R-valueR-20 min

Amendments:

  • Amendment
  • Amendment
Thurston County — county ADU rules and overlays

County ADU ordinance

Thurston County (state-capital county; ~302,000 residents — south Puget Sound; encompassing Olympia — the state capital — Lacey, Tumwater, Yelm, Rainier, Tenino, Bucoda, and substantial unincorporated tracts in the Black Hills foothills, Nisqually River valley, and rural south county) regulates land use in unincorporated areas through the Thurston County Code Title 20 (Zoning), administered by the Thurston County Community Planning and Economic Development Department. Washington's HB 1337 (2023) preempts cities and counties to permit at least one ADU on residential lots, with detached ADU allowances in most single-family zones; HB 1110 (2023) creates middle-housing requirements that overlap with ADU policy. Thurston County aligned Title 20 with HB 1337 in 2023-2024. The county code permits 'attached accessory dwelling units' and 'detached accessory dwelling units' (ADUs and DADUs) in most rural and large-lot residential zones (Rural Residential 1/5, 1/10, 1/20; Long-Term Forestry; Long-Term Agriculture; Residential 1/2, 1/3, 1/4, 1/5) by right or with administrative approval, subject to size limits (typically 1,000 sq ft for ADU; 1,000-1,500 sq ft for DADU per state minimums), one-per-lot limit, and parking. Smaller residential districts treat ADUs more permissively post-HB 1337.

County regulatory overlays

Washington state — ADU law and programs

State ADU law

Washington preempts local ADU regulation in urban growth areas of cities and counties subject to the Growth Management Act through Engrossed Second Substitute House Bill 1337 (2023), codified principally at RCW 36.70A.680-.681. Cities and counties planning under the GMA must allow at least two ADUs per lot in urban growth areas, must not require owner-occupancy, must not impose minimum-lot-size or setback rules stricter than those for the primary residence, and must allow ADUs to be sold separately as condominiums. Related House Bill 1110 (2023), codified at RCW 36.70A.635, requires 'middle housing' (duplexes, triplexes, fourplexes) in most residential zones of large cities.

State HOA preemption

Washington enacted HOA preemption of ADU bans in Substitute House Bill 1337 (2023), which amended the Washington Uniform Common Interest Ownership Act and the Washington Horizontal Property Regimes Act to prohibit common-interest communities from banning ADUs on lots in GMA-planning jurisdictions. A homeowners' association may impose reasonable aesthetic or architectural standards, but may not categorically prohibit ADUs.

  • RCW 64.38.057 — Homeowners' associations — Accessory dwelling units — Prohibits a homeowners' association governing a plat within a GMA-planning city or county from recording or enforcing a provision that prohibits the construction, use, or rental of an accessory dwelling unit on a lot. Reasonable design guidelines consistent with RCW 36.70A.681 remain enforceable.

State financing programs

The Washington State Housing Finance Commission (WSHFC) administers state-level housing finance programs. Washington does not currently operate an ADU-specific statewide grant or forgivable-loan program comparable to California's CalHFA ADU Grant, but several state programs can be used for ADU construction when program criteria are met.

State housing programs

Washington supports ADU implementation through Department of Commerce technical assistance and grant programs rather than through a single statewide pre-approved-plan catalog. The state provides model ADU code under the GMA, distributes GMA update grants to help jurisdictions comply with RCW 36.70A.680-.681, and has produced ADU guidance documents for local governments.

Federal (United States) — ADU-relevant rules and programs

Federal ADU law

The United States has no federal statute that directly regulates accessory dwelling unit entitlement or design. Land-use authority over ADUs resides with states and local governments under the traditional police power. Federal engagement is limited to financing (Fannie/Freddie/FHA/VA/USDA), flood insurance (FEMA/NFIP), and discretionary housing programs (HUD), which are recorded in sibling sections of this file.

Federal financing programs

Federal housing-finance agencies and GSEs set nationwide underwriting rules that govern whether an ADU can be financed, appraised, and counted toward mortgage qualifying income. The relevant actors are Fannie Mae, Freddie Mac, FHA (HUD), VA, and USDA Rural Development.

Federal tax credits

There is no ADU-specific federal tax credit. ADUs may incidentally qualify for existing federal energy-efficiency and clean-energy tax credits when the ADU construction includes qualifying measures.

Federal housing programs

HUD administers several discretionary programs that can fund ADU-related activity at the grantee's election, but none is an ADU-specific program.

ZIP Codes

  • 98502
  • 98503
  • 98506

Post Office

  • 900 Jefferson St SE, 98501