Waco, TX Accessory Structures: ADU Owner Occupancy (2026)
Key Facts
- Applies to
- Single-family residence districts only
- Requirement
- Notarized owner-occupancy affidavit
- Filed with
- McLennan County Clerk's Office
- Owner may occupy
- Primary dwelling OR the ADU
- Prohibited
- Leasing both units at the same time
- Adopted
- Ord. No. 2023-969, § 1, 11-7-23
Summary
Waco requires the owner of a lot with an accessory dwelling unit in a single-family district to sign and record a notarized affidavit affirming they occupy either the primary house or the ADU, and it is unlawful to lease out both units at the same time, per Sec. 28-970.5.3(8) of the zoning code.
(8)Occupancy. In single-family residence districts, the property owner shall sign an affidavit before a notary public, to be recorded with the McLennan County Clerk's Office, affirming that the owner occupies either the primary dwelling unit or the accessory dwelling unit. It shall be unlawful in a single-family residence district to lease both the primary dwelling unit and the accessory dwelling unit.
Official source re-checked September 7, 2026: no newer edition of the code had been published (publisher’s edition: Code of Ordinances: Supplement 88).
Full Breakdown
Sec. 3(8) is the occupancy clause inside Waco's broader ADU design standards adopted by Ord. No. 2023-969 on November 7, 2023. It reads: 'In single-family residence districts, the property owner shall sign an affidavit before a notary public, to be recorded with the McLennan County Clerk's Office, affirming that the owner occupies either the primary dwelling unit or the accessory dwelling unit. ' The requirement applies only in single-family residence districts, the zoning context the whole ADU division targets, since Sec. ' The affidavit must be notarized and recorded with the McLennan County Clerk, creating a public record tied to the property rather than a file kept only at city hall, so the occupancy commitment runs with the land and would surface in a title search.
The rule doesn't require the owner to live in the primary house specifically; occupying the ADU itself satisfies it, so an owner can live in the smaller unit and rent out the main house, but they cannot rent out both structures simultaneously and live elsewhere. This owner-occupancy condition exists specifically to keep Waco's ADU allowance from functioning as a second, unrestricted rental property on single-family lots, distinguishing it from the size, setback, height and parking standards that apply regardless of who occupies either unit.
Violations & Fines
Leasing both the primary dwelling and the ADU at the same time, or failing to have the recorded owner-occupancy affidavit on file, violates Sec. 28-970.5.3(8) and is enforced as a misdemeanor under the chapter's general penalty in Sec. 28-11, with each day of the violation a separate offense and a fine under Sec. 1-14.
Frequently Asked Questions
Do I have to live in my house if I build an ADU in Waco?
Where does Waco file the ADU occupancy affidavit?
Can I rent out both my house and the ADU while I live elsewhere?
Sources & Official References
Other rules in Waco
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