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ADU costs and money
What it costs to build an ADU or convert a garage, how people pay for it, and what changes afterward. Fees and grants depend on your city: see your state and city page.
- How much does an ADU cost?What ADUs have cost in California, Seattle and Portland studies, the parts of the bill, and how state laws limit ADU impact and utility fees.
- How to pay for an ADUADU financing compared: construction and construction-to-permanent loans, HELOCs, cash-out refinance, renovation loans, ADU rent rules and state programs.
- ADU grants: what help exists and what's open nowADU grants, forgivable loans, fee waivers and free plans: which programs we found open or closed as of October 2026, and the rent, income and occupancy rules.
- How an ADU affects your property taxesAn ADU adds value your assessor can tax. How 16 states handle it: California's Prop 13, homestead caps in Texas and Florida, timing, and rented ADUs.