The Tooly resource library — every guide we've written on accessory dwelling units in Florida. Costs, financing, laws, rental returns, and city-by-city rules. All updated for 2026.
Everything in one place — definitions, laws, costs, financing, and rental income. The starting point if you're new to ADUs.
Read the guide →$115,000 to $300,000+ is the honest market range. Tooly is $85,000 fixed. Here's the line-by-line breakdown.
See the breakdown →HELOC, cash-out refi, construction-to-perm, ADU-specific lenders, FHA 203(k). Five paths, who each one fits.
Compare financing →$1,200–$2,200/month across Florida metros. Full ROI math with cash flow and tax considerations.
Run the numbers →Florida Statute 163.31771, HB 313 by-right legislation, and the county-by-county legal picture for 2026.
Read the law →The 20 questions ADU buyers most often ask. Permits, taxes, hurricane code, financing, HOA restrictions.
Browse the FAQ →Every city has its own ADU ordinance — different max sizes, different setbacks, different owner-occupancy rules. Find yours:
One of the most ADU-friendly cities in Florida. Miami 21 code permits ADUs on most T3 single-family lots.
Miami ADU rules →The largest ADU-active metro. Tampa dropped owner-occupancy in 2022; permit timelines run 6–10 weeks.
Tampa ADU rules →Citywide ADU ordinance passed in 2023. Owner-occupancy required, but otherwise broadly permissive.
Orlando ADU rules →Florida's largest city by area. Consolidated city-county permitting; fast review times.
Jacksonville ADU rules →2023 ordinance update dropped owner-occupancy. One of the best investor markets in Florida.
St. Petersburg ADU rules →Highest rents in the state. Patchwork of city ordinances under a county Workforce Housing program.
Palm Beach ADU rules →Reserve a Tooly and we'll come back within 48 hours with a free desktop review of your lot.
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