Gijo John Compare HELOCs, home equity loans, cash-out refinancing, FHA 203(k) and Fannie Mae HomeStyle Renovation for Maryland ADU projects, with Maryland-specific cautions and lender questions.
Plan a Maryland ADU budget with transparent editable assumptions, compare published Maryland cost ranges, and score contractor bids for missing scope before you sign.
Compare Maryland ADU builders, modular providers and prefab kit options. See service scope, company-published pricing, Maryland licensing details and the questions to ask before signing a contract.
An ADU may be possible on private septic and well in Maryland, but capacity is not automatic. Check bedroom load, reserve area, perc/water-table testing, well setbacks and Health Department review before paying for plans.
How big can an ADU be in Maryland? Learn the 75% state rule, why Howard County uses exterior footprint, how Montgomery and Anne Arundel differ, and how to use SDAT without mistaking assessment data for a zoning measurement.
Prince George’s enacted CB-074 on September 29, 2026. Check the Council-listed November 16 effective date, commencement discrepancy, pending CB-092 provisions and permit steps.
Montgomery County’s updated ADU zoning took effect October 5, 2026 under Ordinance 20-36 (ZTA 26-06). Review the 75% size standard, parking, setbacks and licensing, while keeping pending Bill 41-26 separate.
Howard County’s CB 3-2026 is effective. Learn the 75% exterior-footprint size rule, owner-occupancy requirement, short-term-rental ban, $25 application and the parking issue homeowners should verify before designing.
Maryland HB 1466 limits HOA restrictions on ADUs but does not eliminate HOA authority. Learn what counts as an unreasonable limitation, what HOAs may still regulate, and how voting and assessments work.
A primary-source guide to Maryland HB 1466: ADU size, local approval, setbacks, parking, HOA rules, utilities, property taxes and real homeowner questions ahead of the October 1, 2026 local-law deadline.
