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Waco, TX Accessory Structures: ADU Owner Occupancy (2026)

Significant Restrictions
Compiled from the official code textEditor Martyn O'NeillLast verified September 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.

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 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?
You have to occupy one of the two units, either the primary dwelling or the ADU, per Sec. 28-970.5.3(8); the code doesn't force you into the larger house specifically, so living in the ADU while renting the main house also satisfies the requirement.
Where does Waco file the ADU occupancy affidavit?
The affidavit must be signed before a notary public and recorded with the McLennan County Clerk's Office under Sec. 28-970.5.3(8), making the owner-occupancy commitment part of the public property record rather than an internal city file.
Can I rent out both my house and the ADU while I live elsewhere?
No; Sec. 28-970.5.3(8) makes it unlawful in a single-family residence district to lease both the primary dwelling unit and the accessory dwelling unit at the same time, regardless of whether the owner lives on-site or elsewhere.

Sources & Official References

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