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Bloomington, IN Accessory Structures: Tiny Homes (2026)

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

Tiny home rules in Bloomington, IN, covering tiny houses on wheels (THOWs), park model RVs, and tiny home on foundation builds, determine where they are legal and how they get permitted.

Key Facts

Minimum cluster size
5+ small single-family homes
Unit size
Under 500 sq ft, 1,200 sq ft cap
Foundation rule
Wheels removed, permanent foundation
Utilities
Must connect to City water, sewer, electric
R1 density cap
3 dwelling units/acre
Min open space
400 sq ft per unit

Summary

The City of Bloomington's Unified Development Ordinance allows tiny homes only inside a permitted 'cottage development': a cluster of at least five small single-family homes under 500 square feet that must have their wheels removed, sit on a permanent foundation, and connect to City water, sewer and electric service. Cottage developments are capped at 1,200 square feet per unit and must meet Section 20.03.030(b)(7)'s density, setback and open-space standards for the zoning district.

(A)Ownership. Individual cottage lots or portions of the project may not be subdivided for sale. ... Zoning District Maximum Density (dwelling units/acre) Minimum Project Size Maximum Project Size R1 3 1 acre 2 acres ... iii.Each unit shall have a maximum cumulative area of one thousand two hundred square feet ... commonly referred to as tiny homes, provided that each home meets either the Indiana Building Code or the Federal Manufactured Housing Construction and Safety Standards Law of 1974 (42 U.S.C. 5401 et seq.), and that each dwelling has any wheels removed, is mounted on a permanent foundation, and is connected to City water, sewer, and electric services.

Full Breakdown

010 defines 'Dwelling, cottage development' as a cluster of at least five attached or detached single-family dwellings sharing access, parking and common space, a category that can include communities of five or more factory-built small single-family detached dwellings under five hundred square feet, 'commonly referred to as tiny homes,' provided each home meets either the Indiana Building Code or the federal Manufactured Housing Construction and Safety Standards Law of 1974, has any wheels removed, sits on a permanent foundation, and connects to City water, sewer and electric service.

030(b)(7) sets the use-specific standards: individual cottage lots cannot be subdivided for sale, and Table 03-2 caps density at three units per acre in the R1 district, rising to five in R2, six in R3, eleven in R4, fifteen in RM and MN, and twenty in RH and RMH, with a minimum project size of one acre in every eligible district and a maximum of two acres in R1 or five acres in RM and RH. Parking lots must sit at least thirty feet from the right-of-way, dwelling units need at least ten feet of separation, and R3 projects must place at least one unit at the build-to line.

Each project needs a centrally located open space of at least four hundred square feet per dwelling unit, a bufferyard type 1 along rear and side lot lines, and architecture matching surrounding single-family homes; no individual cottage unit may exceed one thousand two hundred square feet, with a maximum one-to-three width-to-depth ratio on the first floor. Bicycle parking rules require at least one Class II space per dwelling unit, with a minimum of four spaces regardless of unit count, and the Planning and Transportation Department reviews the site plan before any certificate of zoning compliance issues.

Violations & Fines

Because tiny-home cottage development is a zoning use governed by the Unified Development Ordinance, building or occupying units that exceed the density, setback, open-space or unit-size limits of Table 03-2 and Section 20.03.030(b)(7) is a zoning violation enforced by the Planning and Transportation Department. Individual cottage lots subdivided for sale in violation of Section 20.03.030(b)(7)(A) can be cited and the owner required to bring the project back into compliance through the City's standard zoning enforcement process.

Frequently Asked Questions

What makes a tiny home legal in the City of Bloomington?
It has to be part of an approved cottage development under Section 20.03.030(b)(7) of the Unified Development Ordinance. Each home must be under five hundred square feet, meet the Indiana Building Code or the federal Manufactured Housing Construction and Safety Standards Law, have its wheels removed, sit on a permanent foundation, and connect to City water, sewer and electric utilities.
Can I put a single tiny home on my lot without joining a cottage development?
No. Section 20.07.010 defines cottage development as a cluster of at least five homes, and the UDO's lot-and-space rules generally limit a single-family lot to one principal building; a lone tiny home does not qualify for the cottage-development use category or its standards.
How much land does a cottage development of tiny homes need?
Table 03-2 sets a one-acre minimum project size in every zoning district that allows cottage development, from R1 through MN, with maximum project sizes of two acres in R1 and up to five acres in RM and RH, alongside density caps ranging from three units per acre in R1 to twenty in RH and RMH.
Can the individual cottage lots be sold off separately?
No. Section 20.03.030(b)(7)(A) states that individual cottage lots or portions of the project may not be subdivided for sale, so ownership stays structured as a single project even though residents may hold condominium interests or leases within it.

Sources & Official References

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