Resources · Updated 2026
Everything we know about Florida ADUs.
The Sidesuite 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.
The flagship guides.
The Florida ADU guide
Everything in one place — definitions, laws, costs, financing, and rental income. The starting point if you're new to ADUs.
Read the guideHow much does an ADU cost?
About $84,000 to $300,000+ is the honest market range. Sidesuite is $99,999 for the finished home, plus installation. Here's the line-by-line breakdown.
See the breakdownHow to finance an ADU
HELOC, cash-out refi, construction-to-perm, ADU-specific lenders, FHA 203(k). Five paths, who each one fits.
Compare financingWhat you can earn renting one
$1,150–$2,200/month for a furnished 1-bed across Florida metros (Sidesuite comes unfurnished). Full ROI math with cash flow and tax considerations.
Run the numbersAre ADUs legal in Florida?
Florida Statute 163.31771, the 2026 by-right bills that did not pass, and the county-by-county legal picture.
Read the lawFrequently asked questions
The questions ADU buyers most often ask: price, permits, taxes, financing, HOA restrictions and how to reserve.
Browse the FAQADU rules by Florida metro.
Every city has its own ADU ordinance — different max sizes, different setbacks, different owner-occupancy rules. Find yours:
Miami
One of the most ADU-friendly cities in Florida. Miami 21 permits ADUs on T3-L, T3-O and higher single-family lots (not T3-R).
Miami ADU rulesOrlando
Citywide ADU ordinance passed in 2023. Owner-occupancy required, but otherwise broadly permissive.
Orlando ADU rulesJacksonville
Florida's largest city by area. Consolidated city-county permitting; fast review times.
Jacksonville ADU rulesSt. Petersburg
2023 ordinance update dropped owner-occupancy. One of the best investor markets in Florida.
St. Petersburg ADU rulesPalm Beach County
Highest rents in the state. Patchwork of city ordinances under a county Workforce Housing program.
Palm Beach ADU rulesUseful links beyond Sidesuite.
Florida law and policy
- Florida Statute §163.31771 (full text) — the enabling ADU statute.
- HB 313 (2026) — by-right ADU bill, died March 13, 2026.
- Florida Housing Finance Corporation — state housing finance authority.
City and county portals
- Miami 21 zoning code
- Tampa Development Services
- Orlando Building & Permitting
- Jacksonville Planning & Development
- St. Petersburg Development Services
- Palm Beach County Housing & Economic
Financing and capital
- RenoFi — ADU-specific renovation lender.
- HFS Financial — ADU and renovation loans.
- FHA 203(k) Rehabilitation Loan — federal renovation-mortgage program.
Ready to build one?
Check My Lot is free and instant. We check zoning, the lot and the city's rules. Reserving is $999, fully refundable, and charged only after your address passes.