Owensboro, KY Building Setbacks & Zoning: Lot Coverage Limits (2026)

Maximum Lot Coverage measures the share of a lot that principal buildings and accessory structures can occupy together, defined in Appendix F Section 8.5 as "The maximum area of a lot that can be covered by all principal buildings and accessory structures occupying the lot." Subsection (h) of the shared R-1A through R-1T table sets that cap at 50 percent of total lot area for the R-1A, R-1B, and R-1C Single-Family Residential zones and, separately, at 50 percent for the R-1T Townhouse Zone, so the compact R-1T lots carry the identical percentage limit as the larger single-family zones even though their minimum lot size runs as low as 2,000 square feet against 10,000 square feet in R-1A.

The 50 percent figure sits in the middle of the ordinance's range: the A-R Rural Agriculture and A-U Urban Agriculture zones share the same 50 percent cap under Section 8.5.1(h), while the I-1 Light Industrial and I-2 Heavy Industrial zones carry no maximum lot coverage at all under Section 8.5.3(h). Note (k) to the R-1A through R-1T table carves out an exception: properties inside the Downtown Overlay District follow Article 21's own site development and design standards rather than the 50 percent cap, so a downtown infill lot can build to a different coverage ratio set by that overlay. The Zoning Administrator checks proposed building and accessory-structure footprints against the 50 percent limit when reviewing a building permit application under Article V.