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El Dorado County, CA Accessory Structures: ADU Owner Occupancy (2026)

Some Restrictions
Compiled from the official code textEditor Martyn O'NeillLast verified August 2026

Key Facts

Owner occupancy required
Permits issued after Jan. 1, 2025
2020-2025 permits
Owner occupancy suspended by state law
JADUs
Owner occupancy always required
Filing required
Notarized notice of restriction
Filed before
Certificate of occupancy issuance
Exceptions
Nonprofits, special needs trusts, care facilities

Summary

El Dorado County Code Section 130.40.300(D) requires the property owner to live in either the primary home or the accessory dwelling unit for any ADU permitted after January 1, 2025, closing the state-law window that had suspended owner-occupancy rules for ADUs approved between 2020 and 2025. Junior ADUs have always required owner occupancy.

These county ordinances apply to unincorporated areas of El Dorado County. Incorporated cities within the county may have their own rules that take precedence over county-level regulations.

State law suspends the County's requirement for owner occupancy of one of the residential units on the property for accessory dwelling units permitted between January 1, 2020 and January 1, 2025, except in the case of junior accessory dwelling units. Permits issued after January 1, 2025, the property owner shall occupy one of the residential dwelling units. This subsection is explicitly intended to prohibit two rental units on lots zoned for one single-unit residential dwelling. A notice of restriction on the subject property that is signed and notarized by the property owner declaring this limitation shall be filed with the Department prior to issuance of the certificate of occupancy for the accessory dwelling unit.

View official code

Official source re-checked September 7, 2026: no newer edition of the code had been published (publisher’s edition: Code of Ordinances: Supplement 13 Update 4).

Full Breakdown

Between January 1, 2020 and January 1, 2025, California law suspended local owner-occupancy mandates for standard accessory dwelling units, and El Dorado County's ordinance followed that suspension: an owner could add an ADU and rent out both the primary home and the ADU to different tenants during that window, with the sole exception of junior accessory dwelling units, which have always required the owner to occupy the main house or the JADU under Subsection C.3.d(1).

That state suspension expired, and Section 130.40.300(D) now requires owner occupancy of one of the residential units on the property for any ADU permit issued after January 1, 2025. The ordinance is written to explicitly prevent an owner from turning a single-unit residential lot into two non-owner-occupied rentals: the point of the rule is that at least one unit, either the house or the ADU, has to be the owner's residence.

To enforce the restriction administratively rather than relying only on inspections, the county requires a signed and notarized notice of restriction to be recorded against the property before the Planning and Building Department will issue a certificate of occupancy for the new ADU. That filing puts future buyers on notice of the occupancy condition running with the land. The rule carries exceptions for nonprofit housing organizations, special needs trust beneficiaries, and licensed Community Care Facilities, which are not required to meet the owner-occupancy condition.

Violations & Fines

Renting out both the primary dwelling and the ADU to non-owner tenants on a permit issued after January 1, 2025, without qualifying for the nonprofit or special-needs exception, violates the notarized notice of restriction filed under Section 130.40.300(D) and is enforceable as an unlawful use under Section 130.67.040, with Chapter 9.02 fines of $100, $250, and $500 for repeat violations.

Frequently Asked Questions

Do I have to live on the property if I build an ADU in El Dorado County?
Only if your ADU permit is issued after January 1, 2025. Section 130.40.300(D) then requires the property owner to occupy either the primary dwelling or the ADU; permits issued between 2020 and 2025 were exempt under a state-law suspension.
Does the owner-occupancy rule apply to junior ADUs?
Yes, without the 2020-2025 exception. Junior accessory dwelling units have always required owner occupancy of the single-family dwelling in which they sit, per Subsection C.3.d(1) of Section 130.40.300.
What paperwork does the county require for the occupancy rule?
A signed and notarized notice of restriction declaring the owner-occupancy limitation must be filed with the Planning and Building Department before the county will issue a certificate of occupancy for the ADU, under Section 130.40.300(D).

Sources & Official References

Other rules in El Dorado County

All El Dorado County rules

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