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Owensboro, KY Home Business: Zoning & Home Occupation Permits (2026)

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

Key Facts

Accessory-use tier
No employees, no external alteration
Conditional-use tier
Business license + OMBA permit required
Detached-structure cap
400 square feet
Non-resident staff
Up to 1 allowed (conditional tier only)
Reviewing body
Owensboro Metropolitan Board of Adjustment

Summary

In the City of Owensboro, home occupations split into an accessory use allowed by right under strict limits and a conditionally permitted use needing a business license, floor-area cap, and Board of Adjustment conditional use permit, both defined in Zoning Ordinance Article XIV.

Home Occupation—Accessory Use. ... Occupations of dressmaking, handicrafts, millinery, laundering, preserving and home cooking and professional services, but excluding barber shops and beauty parlors, but only when said permitted occupations are performed under the following conditions: ... (2)The use is conducted entirely within a dwelling and not in any accessory building;(3)The use is carried on only by residents of the dwelling, with no non-resident employees or agents; ... Home Occupation—Conditionally Permitted Use. Occupations include but are not limited to barber shops and beauty parlors, boutiques, school tutors, musical instructors, small tradesman whom store limited supplies in a detached structure, but only when said conditionally permitted occupations are performed under the following conditions: (1)The use is clearly incidental and secondary to use for dwelling purposes;(2)An active business license is on file with the appropriate jurisdiction;(3)If operation from a detached structure, the floor area utilized from business related purposes shall not exceed four hundred (400) square feet;(4)Up to one (1) non-resident employee may be allowed to report to the site; ... (9)A floor plan and site plan shall be submitted as part of the conditional use permit application demonstrating compliance with these requirements; and(10)The OMBA may waive any of the requirements listed herein or revoke the conditional use permit if any conditions set forth are violated.

Full Breakdown

Zoning Ordinance Article XIV defines two tiers. 'Home Occupation-Accessory Use' covers dressmaking, handicrafts, millinery, laundering, preserving, home cooking and professional services (excluding barber shops and beauty parlors) and is allowed by right only if the use is clearly incidental and secondary to the dwelling, is conducted entirely inside the dwelling with no accessory building, is carried on only by residents with no non-resident employees, sells no commodities except those produced on the premises, requires no external alteration of the dwelling, and does not adversely affect the neighborhood through excessive traffic or noise.

'Home Occupation-Conditionally Permitted Use' covers barber shops, beauty parlors, boutiques, tutors, musical instructors and small tradesmen storing limited supplies in a detached structure. That tier requires an active business license on file, caps floor area used from a detached structure at 400 square feet, allows up to one non-resident employee, requires off-street parking under Article 13, bars external alteration of the dwelling, and requires a floor plan and site plan submitted with a conditional use permit application to the Owensboro Metropolitan Board of Adjustment (OMBA), which may waive conditions or revoke the permit for violations. Permits and enforcement run through the Zoning Administrator under Article V.

Violations & Fines

Operating a conditionally permitted home occupation without an OMBA conditional use permit, active business license, or required site plan violates Article XIV's standards, and the OMBA may revoke an issued permit if any condition is violated. General zoning penalties under Section 5.6 apply: a fine of $10 to $500 per conviction, with each day of continuing violation counted separately.

Frequently Asked Questions

Can I run a dressmaking business from my Owensboro home without a permit?
Yes, if it stays inside the accessory-use limits: worked entirely by residents, inside the dwelling, no external alteration, no commodities sold except those made on-site, and no excessive traffic or noise, per Article XIV's 'Home Occupation-Accessory Use' definition.
Does a home hair salon need a conditional use permit?
Yes. Barber shops and beauty parlors fall under 'Home Occupation-Conditionally Permitted Use,' which requires an active business license, an OMBA conditional use permit, and a submitted floor plan and site plan.
Can I hire staff for a home-based tutoring business?
Up to one non-resident employee may be allowed to report to the site under the conditionally permitted tier, but the accessory-use tier allows none.

Sources & Official References

Other rules in Owensboro

All Owensboro rules

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