Skip to main content
Explore
Contact Us

Free planning checklist

ADU Feasibility Checklist

The 16 questions we work through in every property evaluation: the rules for your lot, whether a home can be delivered and fit, utilities, fees, money, and time. Answer what you can before you commit to a design.

For Washington and Oregon properties Last reviewed September 23, 2026

Start the checklist

Part 1 of 4

The rules for your lot

Zoning decides whether an ADU is allowed, how big it can be, and what conditions come with it. Private covenants can add limits of their own.

  1. Question 1: Does your zoning allow an ADU, and which office decides?

    The answer depends on the jurisdiction that governs the parcel and the zone it sits in. A lot inside a city, a lot in an unincorporated urban growth area, and a rural lot can follow very different rules.

    How to check

    • Find the parcel on your county’s GIS map or assessor site. Note the parcel number (APN), the zone, and whether it is inside city limits or an urban growth area.
    • Confirm with the city or county planning office, using the parcel number. A property can have a city mailing address and still be governed by the county.
    • The state approval on a factory-built home (an L&I insignia in Washington, a prefabricated-structure insignia in Oregon) covers the home itself. Your city or county still approves zoning, setbacks, the foundation, utility connections, and occupancy (in Washington, RCW 43.22.460).

    Washington

    State ADU rules apply inside urban growth areas of cities and counties that plan under the Growth Management Act (RCW 36.70A.680). They take effect with each jurisdiction’s periodic plan update, and where local rules were not updated, the state rules override conflicting ones. Rural lots follow county rules.

    Oregon

    Cities over 2,500 people and counties over 15,000 must allow at least one ADU per detached house in areas zoned for detached homes inside the urban growth boundary (ORS 197A.425). Outside it, rural ADUs are a county option with extra conditions (ORS 215.495).

    Washington ADU laws →Oregon ADU rules →County-by-county guides →

  2. Question 2: How big and how tall can the ADU be, and how many are allowed?

    Floor-area caps, height limits, lot coverage, and the number of ADUs per lot decide which homes are candidates before anything else is designed.

    How to check

    • Find the maximum ADU floor area. Some codes use a fixed number, others a share of the main house, and they differ on whether porches or garages count.
    • Note the height limit, the maximum lot coverage, and how many ADUs the lot may have.
    • Compare the limits with the Wolf model footprints at the end of this checklist.

    Washington

    In urban growth areas, cities and counties must allow at least two ADUs per lot, cannot cap ADU size below 1,000 square feet, and cannot set a height limit under 24 feet unless the house’s limit is lower (RCW 36.70A.681).

    Oregon

    Size caps and other siting and design rules are set locally and vary by city (ORS 197A.425). Where a county allows rural ADUs, they are limited to 900 square feet on lots of at least two acres (ORS 215.495).

  3. Question 3: What conditions come with an ADU: owner occupancy, parking, and rentals?

    Occupancy, parking, and rental rules decide whether the plan works for a parent, a caregiver, or a tenant.

    How to check

    • Ask whether the owner must live on the property and how many off-street parking spaces are required.
    • If you may rent the ADU, check long-term and short-term rental rules separately. Many cities license or limit short-term rentals.
    • Ask whether the ADU needs its own address or utility meters.

    Washington

    In urban growth areas, owner occupancy cannot be required. Parking cannot be required within a half-mile walk of a major transit stop; elsewhere it is limited to one space per unit on lots up to 6,000 square feet and two on larger lots, with narrow exceptions (RCW 36.70A.681). Short-term rentals may be restricted (RCW 36.70A.680).

    Oregon

    Inside the urban growth boundary, cities and counties may not require owner occupancy or additional off-street parking for an ADU, but they may regulate vacation rentals (ORS 197A.425).

  4. Question 4: Is the property in an HOA or subject to recorded covenants (CC&Rs)?

    Private covenants can restrict secondary homes, rentals, or exterior design. A building permit does not settle whether a covenant can be enforced.

    How to check

    • Get the recorded CC&Rs and the association’s current rules. Your title report or the county recorder lists recorded covenants.
    • Note when the association was created and when the covenants were recorded, and anything they say about accessory dwellings, rentals, or architectural review.
    • Have a disputed restriction reviewed by a real-estate attorney before you commit to a design.

    Washington

    Associations created after July 23, 2023, in urban growth areas cannot restrict ADUs more than the city or county could (RCW 64.38.160, RCW 64.90.350). Older associations are not covered by that limit.

    Oregon

    A covenant signed on or after January 1, 2021, that allows a house cannot be used to ban an ADU inside an urban growth boundary; from January 1, 2027, such bans are void there no matter when they were recorded. Covenants signed on or after January 1, 2026, also cannot ban prefabricated homes. Rural ADUs are not covered (ORS 93.277).

    HOAs and ADUs in Washington →

Part 2 of 4

Fitting the home on the site

A lot can be big enough on paper and still have no spot a factory-built home can reach, sit on, and be served from.

  1. Question 5: Where is the buildable area after setbacks and easements?

    Setbacks, easements, and required separation from the main house shrink the usable area. The home has to fit inside what is left, with room for landings, steps, and paths.

    How to check

    • Get a plot plan or survey showing property lines, the house, the driveway, and any recorded easements. Your title report lists easements; utility and access easements usually cannot be built on.
    • Mark the front, side, and rear setbacks and any required distance from the main house, then sketch the home’s footprint inside what is left.
    • If a property line is uncertain, expect the permit to need a survey.

    Washington

    In urban growth areas, ADU setbacks cannot be stricter than the house’s, a detached ADU may sit on a lot line that borders an alley unless the city plows that alley, and existing structures can be converted even if they do not meet current setback or lot-coverage rules (RCW 36.70A.681).

    Oregon

    A rural ADU must be no farther than 100 feet from the house (ORS 215.495). Inside cities, setbacks are set locally.

  2. Question 6: Are there critical areas, a floodplain, or protected trees?

    Wetlands, streams, steep slopes, shorelines, floodplains, and tree rules can move or stop a building site and add studies, fees, and time.

    How to check

    • Turn on the critical-area, shoreline, and floodplain layers in your county GIS map.
    • Look the address up in the FEMA Flood Map Service Center.
    • Ask whether trees near the site are protected and whether removing them needs a permit.

    Washington

    The state ADU protections do not apply to lots with critical areas or their buffers, and cities and counties may restrict ADUs in wetlands, fish and wildlife habitat, flood plains, and geologically hazardous areas (RCW 36.70A.681, RCW 36.70A.680).

  3. Question 7: Can a truck, and possibly a crane, reach the site?

    A factory-built home arrives on a truck and is set in place. Access decides which homes are possible, whether a crane is needed, and part of the price.

    How to check

    • Walk the route from the street to the spot: gate and driveway widths, tight turns, slopes, overhead power and phone lines, and tree canopies.
    • Note where a crane could set up and anything in its path, such as the house roof, wires, or a neighbor’s structures.
    • Larger homes arrive in more than one section, and each section needs a way to the foundation.
  4. Question 8: Can fire crews reach every side of the ADU?

    Fire authorities limit how far a building can be from a fire-truck access route. A backyard ADU on a long or narrow lot can be too far, which can mean a wider driveway, a turnaround, or fire sprinklers.

    How to check

    • Measure the walking route from the street or driveway to the far side of the planned ADU.
    • Ask the fire marshal or building department which access rule applies and what they accept if the distance is too long, such as sprinklers.

    Washington

    Washington’s state fire code does not adopt the model code’s access-distance section; access follows locally adopted street, road, and access standards (WAC 51-54A-0503). Ask your city or county.

    Oregon

    The current Oregon Fire Code took effect October 1, 2025 (Oregon State Fire Marshal). Portland Fire & Rescue’s access guide, for example, uses 150 feet from the access road, or 250 feet for a fully sprinklered building (Portland Fire & Rescue). Other fire districts may differ.

  5. Question 9: How much site work will the spot need?

    Clearing, grading, drainage, retaining walls, foundation height, and utility trenches are specific to each lot and often decide the installation price.

    How to check

    • Note the slope, any soggy or rocky ground, and how far the spot is from the water, sewer or septic, and power connections.
    • If anyone needs step-free entry, plan ramps, landings, and paths now; see aging-in-place planning.
    • Installation and site work are quoted after reviewing your property. Your written proposal lists the scope and price.

    Published cost ranges →

Part 3 of 4

Utilities

Every ADU needs water, wastewater service, and power. Capacity and connections are approved by your providers and health authority, not by the building permit alone.

  1. Question 10: Where will the water come from?

    Sharing the existing service, adding a meter, and drawing from a well each carry different approvals, fees, and trench work.

    How to check

    • Ask the water provider whether the ADU may share the existing meter, whether the service has capacity, and what a new meter or connection costs.
    • On a well, ask the county health department whether a second home may use it and how that is reviewed.

    Washington

    A well that serves more than one home can fall under the state’s small water system rules, depending on what the county health board has adopted (WAC 246-291).

  2. Question 11: Where will the wastewater go: sewer or septic?

    An existing pipe or tank does not mean another home can connect to it. Sewer capacity and septic sizing are approved separately from the building permit.

    How to check

    • On sewer, confirm capacity, the permitted connection point, the route and slope for the new line, and the connection fees.
    • On septic, gather the approved system records and have the health authority or a septic designer review the added flow and bedrooms, the replacement or reserve area, and any upgrade.

    Washington

    A permit is required to connect to or expand a septic system, and added bedrooms count as an expansion that must meet current standards, including the reserve area (WAC 246-272A). Some cities and counties do not allow ADUs on lots without public sewer (RCW 36.70A.680).

    Oregon

    An ADU can share the house’s septic system only if it works properly, there is room for replacement areas for both homes, and the added flow stays within 300 gallons a day or half the system’s design capacity, whichever is smaller. Otherwise it needs its own approved system, which starts with a site evaluation (Oregon DEQ).

  3. Question 12: Does the electrical service have room for another home?

    Wolf homes are all-electric, with a heat pump, an electric water heater, and an electric range. A panel or utility service upgrade can add real cost and lead time.

    How to check

    • Have an electrician compare the ADU’s load with the existing panel and service, and ask whether the ADU needs its own meter.
    • Ask the electric utility about service capacity, a new meter, and the route for the new line.
    • Appliances are separate from the model price, so include the ones you choose in the load review.

Part 4 of 4

Fees, money, and time

Budget and schedule the whole project, not just the home.

  1. Question 13: What will the agency fees be?

    Impact fees or system development charges, permit fees, and utility connection charges are separate from construction and can be a large share of the budget.

    How to check

    • Ask each agency for a current, itemized estimate: building permit and plan review, impact fees or system development charges, and water, sewer, and power connection charges.
    • Confirm in writing that you qualify for any fee reduction or waiver before you take it out of the budget.

    Washington

    Impact fees can fund streets, parks, schools, and fire protection (RCW 82.02.090). In urban growth areas, an ADU’s impact fees cannot exceed half of what the house would pay (RCW 36.70A.681).

    Oregon

    System development charges can cover water, wastewater, drainage and flood control, transportation, and parks, and each local government sets its own (ORS 223.297 to 223.316). There is no statewide ADU exemption. Portland exempts ADUs if the owner records a 10-year covenant against short-term rental use (Portland City Code 17.14.070).

  2. Question 14: What is the all-in budget, not just the home price?

    A realistic budget covers the home, appliances, permitting, agency fees, delivery and installation, and anything specific to your lot.

    How to check

    • Review the home and project cost guide for starting prices, delivery and setup, and the work your property may need.
    • Expect utility, survey, or engineering work before a final price. A free property evaluation sets out those next steps toward a written proposal.

    ADU cost guide →

  3. Question 15: How will you pay for it?

    Lenders handle factory-built homes and progress payments differently from site-built work, so the payment plan can affect the schedule.

    How to check

    • Decide between cash, a home-equity line, a cash-out refinance, or a construction or renovation loan.
    • If you will finance, talk to a lender early and confirm they accept the payment schedule in the actual agreement.

    Financing guide →

  4. Question 16: What is a realistic timeline to move-in?

    Factory construction typically takes three to four weeks once production begins. Permits, the production queue, site preparation, utilities, delivery, and final occupancy approval take longer.

    How to check

    • Ask the city or county for its current review times. In our experience across Wolf’s service areas, permitting most often takes two to nine months, depending on the jurisdiction and the project.
    • Talk through the complete schedule, including utility and site work, before you set a move-in date.

    Washington

    State review deadlines of 65, 100, or 170 days after a complete application apply to land-use project permits, not building permits, so they usually do not cover a standalone ADU building permit (RCW 36.70B.080, RCW 36.70B.020).

    How permitting works →

Reference

Will a Wolf home fit?

Compare these footprints with your buildable area (question 5) and your jurisdiction’s ADU size and lot-coverage limits (question 2).

Wolf model sizes and footprints
Model Living area Footprint (W × L) Rooms Drawing
Model B City of Portland (only) 307 sq ft 10′ × 30′ 1 bed / 1 bath Dimensioned PDF
Model K 432 sq ft 12′ × 36′ 1 bed / 1 bath Dimensioned PDF
Model E 616 sq ft 14′ × 44′ 2 bed / 1 bath Dimensioned PDF
Model F 616 sq ft 14′ × 44′ 2 bed / 1 bath Dimensioned PDF
Model J 828 sq ft 23′ × 36′ 2 bed / 2 bath Dimensioned PDF
Model L 984 sq ft 28′ × 38′ 2 bed / 2 bath Dimensioned PDF
Model I 1,232 sq ft 28′ × 44′ 3 bed / 2 bath Dimensioned PDF

Footprints are the nominal box dimensions. Roof overhangs, porches, decks, ramps, and landings add to them, and codes differ on whether setbacks and lot coverage are measured to the wall or the eave. Use the dimensioned drawing for the exact outline.

Next step

Bring your answers to a free property evaluation

We review the initial fit and name the agency, utility, or specialist checks still needed before a written proposal. Partial answers are fine.

  • The property address and parcel number (APN)
  • Who will live there: family, a rental, or a caregiver
  • The model or size you have in mind, if any
  • Photos of the building spot and the route a truck would take to it
  • Your electrical panel label and a recent utility bill
  • Septic records or the sewer connection location, if known
  • HOA covenants (CC&Rs), if the property has them
  • Your budget range and how you plan to pay

Sources

Official sources

Rules change and differ by city and county. Confirm current requirements with the agencies that serve your property before you file.

This checklist is general planning information for Washington and Oregon, not legal advice and not a determination about any property. Zoning, permits, fees, and utility requirements are set by your city or county, your utility providers, and state law, and they can change.

What have you been picturing?

Tell us who the home is for and what you’d enjoy about living there. If you have a property, we can look at the space, access and connections before narrowing down the homes.

4.9 · 117 Google reviewsVerified on Google Maps September 14, 2026
How does this apply to the home you have in mind?

General guidance is a starting point. Your property, local requirements and the way you want to live help narrow it down. Tell us which part you’re trying to work out, and we can start there.

Ask about your project →
Ask Wolf

Ask Wolf

A little help finding your home.

Ask about Wolf homes, rentals, your property, or caring for your home. Answers link to Wolf’s published information.

AI-assisted answers. Please leave out personal details.