Can I Build an ADU on My Property? Which States Allow ADUs

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Adding an Accessory Dwelling Unit (ADU) to your property can increase its value, generate rental income, and provide additional living space. However, ADU laws vary by state, and some places have stricter zoning and permitting requirements than others. 

If you’re wondering whether you can build an ADU on your property, this guide breaks down some of the basic regulations for all 50 states.

What Is an ADU?

By definition, an ADU is a secondary housing unit on a single-family or multi-family lot. ADUs come in different forms, including attached or detached ADUs, above-garage units, garage conversions, in-law suites, home additions, and tiny homes. Some states fully embrace ADUs, while others impose restrictions that limit their construction or use as rental properties outside of your primary dwelling.

Which States Allow ADUs?

Alabama

State Name Alabama
ADU Friendliness Rating ❌ Not ADU-Friendly
Detached ADUsNo
Attached ADUsNo
Above-Garage ADUsNo
Garage Conversion ADUsNo
In-Law SuitesYes
Home AdditionsYes 
Tiny HomesRestricted (varies by county)
NotesAlabama has strict zoning laws that largely prohibit detached ADUs. 
In-law suites and home additions are allowed in most areas.
No statewide building code in Alabama – subject to local restrictions 
Local zoning laws can made it difficult for Alabama residents to build ADUs 

Alaska

State Name Alaska 
ADU Friendliness Rating ✅ Very ADU-Friendly 
Detached ADUsYes
Attached ADUsYes
Above-Garage ADUsYes
Garage Conversion ADUsYes
In-Law SuitesYes
Home AdditionsYes
Tiny HomesYes
NotesAlaska is ADU-friendly, particularly in Anchorage, where zoning laws encourage ADU development to increase housing availability.

Arizona

State Name Arizona 
ADU Friendliness Rating ✅ Very ADU-Friendly 
Detached ADUsYes
Attached ADUsYes
Above-Garage ADUsYes
Garage Conversion ADUsYes
In-Law SuitesYes
Home AdditionsYes
Tiny HomesYes
NotesArizona has some of the most progressive ADU laws, with Phoenix and Tucson offering flexible zoning rules to encourage development.

Arkansas

State Name Arkansas 
ADU Friendliness Rating ❌ Not ADU-Friendly
Detached ADUsNo
Attached ADUsNo
Above-Garage ADUsNo
Garage Conversion ADUsRestricted
In-Law SuitesYes
Home AdditionsYes
Tiny HomesRestricted
NotesMost cities in Arkansas prohibit ADUs, though in-law suites and home additions are widely accepted.
Strict sizing guidelines in ArkansasADUs can’t be larger than 50% of the primary residence (no more than ~1,200 square feet in total) Ceiling height capped at 20 ft 
ADU materials/color/windows/doors must be compatible with the primary residence.
Limited to 2 active residents per ADU

California

State Name California 
ADU Friendliness Rating✅ Very ADU-Friendly 
Detached ADUsYes
Attached ADUsYes
Above-Garage ADUsYes
Garage Conversion ADUsYes
In-Law SuitesYes
Home AdditionsYes
Tiny HomesYes
NotesCalifornia has some of the most ADU-friendly laws in the country. 
Cities like Los Angeles, San Diego, and San Francisco encourage ADU development to combat housing shortages.

Colorado

State Name Colorado
ADU Friendliness Rating✅ Very ADU-Friendly 
Detached ADUsYes
Attached ADUsYes
Above-Garage ADUsYes
Garage Conversion ADUsYes
In-Law SuitesYes
Home AdditionsYes
Tiny HomesYes
NotesMany cities, including Denver, allow ADUs, though specific zoning rules vary by county.

Connecticut

State Name Connecticut 
ADU Friendliness RatingVery ADU-Friendly 
Detached ADUsYes
Attached ADUsYes
Above-Garage ADUsYes
Garage Conversion ADUsYes
In-Law SuitesYes
Home AdditionsYes
Tiny HomesRestricted 
NotesConnecticut recently passed legislation making ADU approvals easier in most municipalities.

Delaware

State Name Delaware 
ADU Friendliness Rating⚠ Somewhat ADU-Friendly 
Detached ADUsRestricted 
Attached ADUsRestricted 
Above-Garage ADUsNo
Garage Conversion ADUsRestricted 
In-Law SuitesYes
Home AdditionsYes
Tiny HomesRestricted 
NotesDelaware has restrictive ADU regulations, with most local governments requiring special permits.

Florida

State Name Florida 
ADU Friendliness Rating Very ADU-Friendly 
Detached ADUsYes
Attached ADUsYes
Above-Garage ADUsYes
Garage Conversion ADUsYes
In-Law SuitesYes
Home AdditionsYes
Tiny HomesYes
NotesFlorida supports ADUs as a way to address housing shortages, with Miami and Orlando leading in ADU-friendly zoning.

Georgia

State Name Georgia
ADU Friendliness Rating ⚠ Somewhat ADU-Friendly 
Detached ADUsRestricted
Attached ADUsYes
Above-Garage ADUsYes
Garage Conversion ADUsYes
In-Law SuitesYes
Home AdditionsYes
Tiny HomesRestricted
NotesGeorgia allows ADUs in some urban areas, though regulations vary widely by county and city.

Hawaii

State Name Hawaii 
ADU Friendliness RatingVery ADU-Friendly 
Detached ADUsYes
Attached ADUsYes
Above-Garage ADUsYes
Garage Conversion ADUsYes
In-Law SuitesYes
Home AdditionsYes
Tiny HomesRestricted
NotesHawaii supports ADUs in an effort to combat housing shortages, particularly on Oahu. However, some rural areas restrict them.

Idaho

State Name Idaho 
ADU Friendliness Rating⚠ Somewhat ADU-Friendly 
Detached ADUsYes
Attached ADUsYes
Above-Garage ADUsYes
Garage Conversion ADUsYes
In-Law SuitesYes
Home AdditionsYes
Tiny HomesYes
NotesIdaho is relatively ADU-friendly, with major cities like Boise encouraging their development. However, ADUs are subject to strict building parameters. 
Strict dimensional requirements (ADUs can’t be any larger than 900 square feet) 
Restricted to 2 bedrooms (max) 
Only one ADU per lot 

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Illinois

State Name Illinois 
ADU Friendliness Rating⚠ Somewhat ADU-Friendly 
Detached ADUsRestricted
Attached ADUsYes
Above-Garage ADUsRestricted
Garage Conversion ADUsRestricted
In-Law SuitesYes
Home AdditionsYes
Tiny HomesRestricted
NotesADU policies vary by municipality, with Chicago allowing more flexibility than rural areas.

Indiana

State Name Indiana 
ADU Friendliness Rating⚠ Somewhat ADU-Friendly 
Detached ADUsRestricted
Attached ADUsYes 
Above-Garage ADUsNo
Garage Conversion ADUsNo 
In-Law SuitesYes
Home AdditionsYes
Tiny HomesRestricted
NotesIndiana generally has stricter zoning for ADUs, though some cities have begun allowing them in residential areas.

Iowa

State NameIowa 
ADU Friendliness Rating❌ Not ADU-Friendly
Detached ADUsNo 
Attached ADUsRestricted
Above-Garage ADUsNo 
Garage Conversion ADUsNo 
In-Law SuitesYes
Home AdditionsYes 
Tiny HomesRestricted 
NotesIowa does not widely permit ADUs, but there is growing discussion about relaxing restrictions.
ADUs must be secondary to the main residence. Must be smaller than 50% of the main residence’s floor area (usually no more than 650 square feet). 
ADUs can’t be constructed in the front yard – backyard only. 
An ADU’s appearance will need to match the appearance of the primary residence.

Kansas

State NameKansas 
ADU Friendliness RatingNot ADU-Friendly 
Detached ADUsNo 
Attached ADUsRestricted
Above-Garage ADUsNo 
Garage Conversion ADUsRestricted
In-Law SuitesYes
Home AdditionsYes
Tiny HomesRestricted
NotesKansas has strict zoning laws, with some cities allowing attached ADUs under special permits.
ADUs must have a separate address. 
ADUs must have a separate entrance. 
ADUs must have separate utilities. 
Strict size restrictions are in place. (ADUs shouldn’t exceed 75% of the lot coverage and shouldn’t be more than 50% of the primary residence’s floor area – roughly no more than 1,000 square feet) 

Kentucky

State Name Kentucky
ADU Friendliness Rating Not ADU-Friendly 
Detached ADUsNo
Attached ADUsRestricted
Above-Garage ADUsNo 
Garage Conversion ADUsNo 
In-Law SuitesYes
Home AdditionsYes
Tiny HomesRestricted
NotesMost municipalities in Kentucky restrict ADUs, but in-law suites and home additions are widely accepted.
Strict size limitations are in place. ADUs should equate to no more than 30% of the primary residence’s size (roughly no more than 800 square feet) 
The property owner must live in the primary dwelling (on the same lot) or the ADU itself. 
ADU rentals are restricted 
New construction is not permitted in areas with environmental constraints.

Louisiana

State Name Louisana 
ADU Friendliness Rating ⚠ Somewhat ADU-Friendly 
Detached ADUsYes 
Attached ADUsYes
Above-Garage ADUsYes
Garage Conversion ADUsYes
In-Law SuitesYes
Home AdditionsYes
Tiny HomesRestricted
NotesWhile New Orleans has relaxed ADU rules, other areas still have firm restrictions in place. 
Only one ADU is permitted per single-family lot. 
ADUs are not permitted on lots smaller than 5,000 square feet. 
ADU should not overshadow the primary residence. 

Maine

State Name Maine 
ADU Friendliness RatingVery ADU Friendly
Detached ADUsYes 
Attached ADUsYes 
Above-Garage ADUsYes 
Garage Conversion ADUsYes 
In-Law SuitesYes 
Home AdditionsYes 
Tiny HomesYes 
NotesMaine has passed statewide legislation to promote ADUs in response to housing shortages.

Maryland

State Name Maryland 
ADU Friendliness Rating ⚠ Somewhat ADU-Friendly 
Detached ADUsYes
Attached ADUsYes
Above-Garage ADUsYes
Garage Conversion ADUsYes
In-Law SuitesYes
Home AdditionsYes
Tiny HomesRestricted
NotesSome counties, such as Montgomery County, have adopted ADU-friendly policies.

Massachusetts

State Name Massachusetts
ADU Friendliness Rating Very ADU Friendly
Detached ADUsYes
Attached ADUsYes
Above-Garage ADUsYes
Garage Conversion ADUsYes
In-Law SuitesYes
Home AdditionsYes
Tiny HomesYes
NotesBoston and surrounding cities allow ADUs, with zoning variances required in some areas.

Michigan

State Name Michigan 
ADU Friendliness Rating ⚠ Somewhat ADU-Friendly 
Detached ADUsRestricted
Attached ADUsYes 
Above-Garage ADUsYes 
Garage Conversion ADUsYes 
In-Law SuitesYes 
Home AdditionsYes 
Tiny HomesRestricted
NotesADU laws vary by city, with Ann Arbor being one of the most ADU-friendly areas.

Minnesota

State Name Minnesota 
ADU Friendliness Rating ⚠ Somewhat ADU-Friendly 
Detached ADUsYes
Attached ADUsYes
Above-Garage ADUsYes
Garage Conversion ADUsYes
In-Law SuitesYes
Home AdditionsYes
Tiny HomesRestricted 
NotesMinneapolis has led the state in its ADU legalization efforts.

Mississippi

State Name Mississippi
ADU Friendliness RatingNot ADU-Friendly
Detached ADUsNo
Attached ADUsNo
Above-Garage ADUsNo
Garage Conversion ADUsRestricted
In-Law SuitesYes
Home AdditionsYes
Tiny HomesRestricted
NotesMississippi has very restrictive ADU laws, with only a few cities granting exceptions.
Strict zoning laws are in place that vary by city/county 
Only one ADU is permitted per lot 
ADUs must have off-set parking available 
ADUs must be smaller than the primary residence 
ADUs must have separate entrances 

Missouri

State Name Missouri
ADU Friendliness Rating⚠ Somewhat ADU-Friendly 
Detached ADUsRestricted 
Attached ADUsYes
Above-Garage ADUsNo 
Garage Conversion ADUsYes
In-Law SuitesYes
Home AdditionsYes
Tiny HomesRestricted 
NotesSt. Louis and Kansas City allow ADUs under certain conditions, but statewide laws remain inconsistent.

Montana

State Name Montana 
ADU Friendliness RatingVery ADU-Friendly
Detached ADUsYes
Attached ADUsYes
Above-Garage ADUsYes
Garage Conversion ADUsYes
In-Law SuitesYes
Home AdditionsYes
Tiny HomesYes
NotesOverall, Montana is considered ADU-friendly, particularly in cities like Bozeman and Missoula.

Nebraska

State Name Nebraska 
ADU Friendliness RatingNot ADU-Friendly
Detached ADUsNo
Attached ADUsRestricted 
Above-Garage ADUsNo 
Garage Conversion ADUsNo 
In-Law SuitesYes
Home AdditionsYes
Tiny HomesRestricted 
NotesADUs face significant zoning restrictions across Nebraska, though Omaha has begun considering reforms.

Nevada

State Name Nevada 
ADU Friendliness Rating ⚠ Somewhat ADU-Friendly 
Detached ADUsYes
Attached ADUsYes
Above-Garage ADUsYes
Garage Conversion ADUsYes
In-Law SuitesYes
Home AdditionsYes
Tiny HomesYes
NotesLas Vegas and Reno allow ADUs, though rural areas have more restrictions.

New Hampshire

State Name New Hampshire 
ADU Friendliness Rating Very ADU-Friendly
Detached ADUsYes
Attached ADUsYes
Above-Garage ADUsYes
Garage Conversion ADUsYes
In-Law SuitesYes
Home AdditionsYes
Tiny HomesYes
NotesNew Hampshire has some of the most ADU-friendly laws in New England.

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New Jersey

State Name New Jersey 
ADU Friendliness Rating ⚠ Somewhat ADU-Friendly 
Detached ADUsRestricted
Attached ADUsYes
Above-Garage ADUsRestricted
Garage Conversion ADUsRestricted
In-Law SuitesYes
Home AdditionsYes
Tiny HomesRestricted
NotesNew Jersey restricts ADUs in most suburbs, though some cities allow them with special permits.

New Mexico

State Name New Mexico 
ADU Friendliness Rating Very ADU-Friendly
Detached ADUsYes 
Attached ADUsYes
Above-Garage ADUsYes
Garage Conversion ADUsYes
In-Law SuitesYes
Home AdditionsYes
Tiny HomesYes
NotesAlbuquerque and Santa Fe encourage ADU construction to combat housing shortages.

New York

State Name New York
ADU Friendliness Rating ⚠ Somewhat ADU-Friendly 
Detached ADUsRestricted
Attached ADUsYes
Above-Garage ADUsRestricted
Garage Conversion ADUsRestricted
In-Law SuitesYes 
Home AdditionsYes
Tiny HomesRestricted
NotesNew York City has very strict ADU regulations in place, but upstate areas offer more flexibility.

North Carolina

State Name North Carolina 
ADU Friendliness Rating ⚠ Somewhat ADU-Friendly 
Detached ADUsYes
Attached ADUsYes
Above-Garage ADUsYes
Garage Conversion ADUsYes
In-Law SuitesYes
Home AdditionsYes
Tiny HomesRestricted
NotesRaleigh and Charlotte support ADUs, though smaller towns have more restrictions.

North Dakota

State Name North Dakota 
ADU Friendliness Rating Not ADU-Friendly
Detached ADUsNo 
Attached ADUsNo 
Above-Garage ADUsNo 
Garage Conversion ADUsNo 
In-Law SuitesYes
Home AdditionsYes
Tiny HomesRestricted
NotesNorth Dakota has very restrictive ADU policies.
Size restrictions are in place. ADUs must be no more than 40% of the primary residence’s main living space (no more than 800 square feet, roughly) 
Detached ADUs must be between 300-800 square feet On lots of 5+ acres, ADUs can be up to 1,200 square feet 
ADU can’t be built in a front yard 
Must be at least 10 feet from the primary residence 

Ohio

State Name Ohio 
ADU Friendliness Rating ⚠ Somewhat ADU-Friendly 
Detached ADUsRestricted
Attached ADUsYes
Above-Garage ADUsNo
Garage Conversion ADUsNo 
In-Law SuitesYes
Home AdditionsYes
Tiny HomesRestricted
NotesADU policies vary widely, with Columbus and Cleveland allowing more flexibility.

Oklahoma

State NameOklahoma 
ADU Friendliness Rating Not ADU-Friendly
Detached ADUsNo 
Attached ADUsRestricted
Above-Garage ADUsNo 
Garage Conversion ADUsNo 
In-Law SuitesYes
Home AdditionsYes
Tiny HomesRestricted
NotesADUs are largely restricted in Oklahoma–although Tulsa has begun reviewing its policies.
Often there are local size restrictions in place 
ADUs may require off-street parking (depending on size) 
Must be accessible to emergency service vehicles 
ADU owner must live in the primary dwelling next to the ADU 

Oregon

State Name Oregon 
ADU Friendliness Rating Very ADU-Friendly
Detached ADUsYes
Attached ADUsYes
Above-Garage ADUsYes
Garage Conversion ADUsYes
In-Law SuitesYes
Home AdditionsYes
Tiny HomesYes
NotesOregon is one of the most ADU-friendly states, with Portland leading the state in ADU adoption.

Pennsylvania

State Name Pennsylvania
ADU Friendliness Rating ⚠ Somewhat ADU-Friendly 
Detached ADUsRestricted
Attached ADUsYes
Above-Garage ADUsRestricted
Garage Conversion ADUsRestricted
In-Law SuitesYes
Home AdditionsYes
Tiny HomesRestricted
NotesPennsylvania’s ADU laws vary by municipality. Philadelphia allows ADUs in certain zones, while suburban areas impose restrictions.

Rhode Island

State Name Rhode Island 
ADU Friendliness Rating ⚠ Somewhat ADU-Friendly 
Detached ADUsYes
Attached ADUsYes
Above-Garage ADUsYes
Garage Conversion ADUsYes
In-Law SuitesYes
Home AdditionsYes
Tiny HomesRestricted
NotesRhode Island has eased ADU restrictions in recent years, mainly to accommodate multi-generational housing.

South Carolina

State Name South Carolina
ADU Friendliness Rating ⚠ Somewhat ADU-Friendly 
Detached ADUsRestricted
Attached ADUsYes
Above-Garage ADUsNo
Garage Conversion ADUsRestricted
In-Law SuitesYes
Home AdditionsYes
Tiny HomesRestricted
NotesADUs are permitted in some cities like Charleston, but strict zoning laws limit development in many suburban and rural areas.

South Dakota

State Name South Dakota 
ADU Friendliness Rating Not ADU-Friendly
Detached ADUsNo 
Attached ADUsRestricted
Above-Garage ADUsNo 
Garage Conversion ADUsNo 
In-Law SuitesYes
Home AdditionsYes
Tiny HomesRestricted
NotesADU regulations are restrictive, with only a few cities allowing limited forms of ADUs.
Only one ADU is permitted per property. 
Size restrictions are in place. ADUs should be no more than 40% of the property’s gross area. ADUs also can’t be taller than 16 ft.
Residents are not permitted to build ADUs in front of a lot.
ADUs require at least one off-street parking space. 
The appearance of the ADU should be compatible with the appearance of the primary dwelling. 
Permits are required for all ADUs
ADUs must be registered with the city 

Tennessee

State Name Tennessee
ADU Friendliness Rating ⚠ Somewhat ADU-Friendly 
Detached ADUsYes
Attached ADUsYes
Above-Garage ADUsYes
Garage Conversion ADUsYes
In-Law SuitesYes
Home AdditionsYes
Tiny HomesYes
NotesNashville and Knoxville have ADU-friendly policies, but some rural counties restrict development.

Texas

State Name Texas 
ADU Friendliness Rating ⚠ Somewhat ADU-Friendly
Detached ADUsYes
Attached ADUsYes
Above-Garage ADUsYes
Garage Conversion ADUsYes
In-Law SuitesYes
Home AdditionsYes
Tiny HomesYes
NotesTexas has many ADU-friendly cities like Austin, Houston, and Dallas, though suburban areas may have stricter regulations

Utah

State Name Utah 
ADU Friendliness Rating Very ADU-Friendly
Detached ADUsYes
Attached ADUsYes
Above-Garage ADUsYes
Garage Conversion ADUsYes
In-Law SuitesYes
Home AdditionsYes
Tiny HomesYes
NotesUtah has been promoting ADUs to address housing shortages, with Salt Lake City leading the way.

Vermont

State name Vermont
ADU Friendliness Rating Very ADU-Friendly
Detached ADUsYes
Attached ADUsYes
Above-Garage ADUsYes
Garage Conversion ADUsYes
In-Law SuitesYes
Home AdditionsYes
Tiny HomesYes
NotesVermont has passed legislation making it easier for homeowners to build ADUs.

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Virginia

State Name Virginia 
ADU Friendliness Rating ⚠ Somewhat ADU-Friendly
Detached ADUsYes
Attached ADUsYes
Above-Garage ADUsYes
Garage Conversion ADUsYes
In-Law SuitesYes
Home AdditionsYes
Tiny HomesRestricted
NotesNorthern Virginia is more ADU-friendly, while rural counties may have more restrictions.

Washington

State Name Washington 
ADU Friendliness Rating Very ADU-Friendly
Detached ADUsYes
Attached ADUsYes
Above-Garage ADUsYes
Garage Conversion ADUsYes
In-Law SuitesYes
Home AdditionsYes
Tiny HomesYes
NotesWashington is one of the most ADU-friendly states, with Seattle implementing policies to encourage ADU development.

West Virginia

State Name West Virginia 
ADU Friendliness Rating Not ADU-Friendly
Detached ADUsNo
Attached ADUsRestricted
Above-Garage ADUsNo
Garage Conversion ADUsNo
In-Law SuitesYes
Home AdditionsYes
Tiny HomesRestricted
NotesADUs are largely restricted in West Virginia, though in-law suites are generally allowed.

Wisconsin

State Name Wisconsin
ADU Friendliness Rating ⚠ Somewhat ADU-Friendly
Detached ADUsYes
Attached ADUsYes
Above-Garage ADUsYes
Garage Conversion ADUsYes
In-Law SuitesYes
Home AdditionsYes
Tiny HomesRestricted
NotesMadison and Milwaukee have adopted ADU-friendly policies, while suburban areas have stricter zoning.

Wyoming

State Name Wyoming
ADU Friendliness Rating Not ADU-Friendly
Detached ADUsRestricted
Attached ADUsYes
Above-Garage ADUsRestricted
Garage Conversion ADUsNo 
In-Law SuitesYes
Home AdditionsYes
Tiny HomesRestricted
NotesADUs face significant zoning restrictions across Wyoming, but some cities are considering reforms.
Size restrictions are in place, and they will vary by city/county.
ADUs must be architecturally compatible with the main dwelling. 
ADUs must have a separate entrance.

Alternative to ADU

An ADU can add serious value to your single-family residence, especially if you rent out the ADU as a source of passive income. However, if you’re looking to skip navigating building codes and other downsides that come with developing ADUs, you can consider other income opportunities – like self-storage. 

With a peer-to-peer self-storage service like Neighbor, you can use that extra land on your property to provide renters with space to store their belongings – like RV, boat, or car. Once you list your space, Neighbor will match you with qualified renters so you can collect consistent monthly revenue quickly. 

Frequently Asked Questions (FAQ)

What Is One Drawback of an ADU?

If you’re planning an ADU project, one of the main drawbacks is the upfront cost. Constructing an ADU can be expensive, with costs ranging from $50,000 to over $200,000, depending on size, location, and amenities. Additionally, navigating zoning laws for a single-family residence and obtaining permits can be time-consuming and complicated in some areas. 

What Qualifies as an ADU?

An ADU is a self-contained housing unit located on the same lot as a primary residence. To qualify as an ADU, it typically must include a separate entrance, a living space, a kitchen or kitchenette, and a bathroom. ADUs can be detached, attached, built over a garage, converted from an existing space, or added as an in-law suite within a home.

Is It Cheaper to Build an ADU or Add an Addition?

Building an ADU is often more expensive than adding an interior addition, but it can provide greater long-term value. An addition expands the existing living space without creating a separate unit, which may require fewer permits and cost less per square foot. However, an ADU can generate rental income, which may offset the higher initial cost over time.

How Should I Finance My ADU?

There are several options for financing an ADU, including:

  • Home Equity Loan or HELOC – Borrowing against your home’s equity can provide funding at relatively low interest rates.
  • Cash-Out Refinance – Refinancing your mortgage to access equity can be a good option if interest rates are favorable.
  • Construction Loan – Some banks offer loans specifically for building ADUs.
  • Personal Savings – Using savings avoids debt but may not be feasible for all homeowners.
  • Government Grants and Programs – Some states and cities offer incentives, grants, or low-interest loans for ADU construction to increase the housing supply.
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