Oregon’s ADU Laws
Oregon is one of the most ADU-friendly states in the country. House Bill 2001, effective since 2021, requires cities with populations over 25,000 to allow at least two dwelling units on residential lots. This means you can build an accessory dwelling unit on most urban residential properties in Eugene and Springfield.
Rural ADU Options
On rural land zoned EFU or Rural Residential, the rules are different. Lane County allows certain accessory structures and may permit a second dwelling for family members or farm workers under specific conditions. The details depend on the zoning designation and the county’s current interpretation of state law.
Finding the Right Property
For multigenerational buyers, I search for properties that already have a second dwelling, a converted garage, or the space and zoning to add one. Some rural properties have existing guest houses, manufactured homes, or separate living quarters that are ideal for extended family.
Financing Considerations
Financing a property with an ADU can be straightforward if the unit is already built and permitted. For properties where you plan to add an ADU, some lenders offer renovation loans (like the FHA 203k) that finance the construction. I connect clients with lenders experienced in ADU financing.
Making It Work
Multigenerational living works best when everyone has appropriate privacy and shared spaces are well-designed. Properties with separate entrances, separate utility connections, or enough distance between dwellings tend to work best. I help families think through the practical aspects before they commit to a property.
