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ADU Guides

What is an ADU?

An Accessory Dwelling Unit (ADU) is a self-contained residential unit located on the same lot as a primary home. ADUs can serve as rental units, guest houses, or additional living space for family members.

Benefits of Building an ADU

  • Rental Income – Earn passive income by renting out your ADU.
  • Increased Property Value – ADUs can increase property value by up to 35%.
  • Multi-Generational Living – Provide independent space for aging parents or adult children.
  • Affordable Housing Solution – ADUs help address the housing crisis by creating more living spaces.
  • Flexible Use – Ideal for home offices, guest suites, or personal retrea

Types of ADUs

  • Detached ADU – A separate unit from the main house.
  • Attached ADU – Connected to the main house with a private entrance.
  • Garage Conversion ADU – Transforms an existing garage into a livable unit.
  • Over-the-Garage ADU – Built above an existing or new garage.
  • Basement Conversion ADU – Converts a basement into an independent living space.
  • Junior ADU (JADU) – A smaller unit within the primary home, typically under 500 sq. ft.

ADU Cost Breakdown

The cost of building an ADU varies based on size, location, and construction complexity. In California, the average cost per square foot is $345 – $425.

Financing Options for ADUs

  • Home Equity Loan (HEL) – A lump sum loan using your home’s equity.
  • Home Equity Line of Credit (HELOC) – A revolving credit line with a variable rate.
  • Cash-Out Refinance – Replaces your mortgage with a larger loan to access funds.
  • Unsecured Personal Loans – No collateral required; based on creditworthiness.
  • Construction Loans – Short-term financing that converts into a mortgage upon completion.
  • Government Grants & Programs – Some states offer grants and low-interest loans for ADU development.

ADU Permit & Zoning Requirements

Each city has its own zoning laws and permit process. Common regulations include:

  • Size Restrictions – Typically between 250 sq. ft. to 1,200 sq. ft.
  • Setback Rules – Minimum distance from property lines.
  • Parking Requirements – Some areas require additional parking, while others do not.
  • Owner-Occupancy Rules – Some cities require the homeowner to live in one of the units.

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