City of San Diego ADU Plans (2026): 26 Accepted Options + 4 SDHC Templates

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What City of San Diego ADU plans can I actually use in 2026?

The City of San Diego currently accepts pre-approved ADU plans from three outside jurisdictions under California AB 1332: the County of San Diego, the City of Chula Vista, and the City of Encinitas — per the City DSD ADU/JADU webpage (sandiego.gov, verified May 11, 2026). The San Diego Housing Commission separately offers four City of San Diego template designs, which should be treated as a distinct City-specific path rather than part of the AB 1332 list (per sdhc.org).

AB 1332 (Carrillo, 2023) — codified at California Government Code §65852.27, as amended by SB 477 effective March 25, 2024 — required every California jurisdiction by January 1, 2025 to establish a process for accepting pre-approved ADU master plans and to grant qualifying applications a streamlined review. SB 477 did not eliminate §65852.27; it updated cross-references to the consolidated ADU statutory framework now beginning at Article 2 §66314.

Here is the unified count, verified directly against each official catalog:

Two important points. First, “City of San Diego ADU plans” does not mean plans designed by the City of San Diego — it means plans the City accepts. Three of the four paths above were designed by neighboring jurisdictions or their selected design teams. Second, “accepted” is not the same as “permit-ready as-is under the current code cycle” — a critical distinction addressed in the next section.

Are these plans permit-ready under the current California Building Code cycle?

Acceptance by the City of San Diego DSD is not automatically the same as permit-readiness under the California Building Code cycle the City is currently enforcing. California Government Code §65852.27 ties the 30-day pre-approved-plan review path to plans that are pre-approved within the current triennial code cycle. Before you license or download any of the 26 plans, confirm directly with the plan provider that the specific set you intend to use has been updated for the current code cycle.

The 30-day fast-path review only applies cleanly when: the application is for a detached ADU (per §65852.27), the application is complete at intake, the pre-approved plan set is current under the California Building Code cycle the City is enforcing at submittal, and no modifications disqualify the pre-approved status. If any of those conditions fail, the 30-day clock does not apply and your application drops back to standard plan check.

The 26 accepted pre-approved plans, decoded

Below is every plan the City of San Diego currently accepts under AB 1332, normalized into a single comparison from each jurisdiction’s official catalog. Plan licensing terms and current-code-cycle status are best confirmed by contacting the designer directly — the City of San Diego DSD page explicitly says applicants must reach out to the ADU provider.

Three things to notice. The County path is the only fully free download on the list. The Chula Vista path has the most flexibility for lot orientation thanks to consistent mirror versions. The Encinitas path has the widest size range — from the smallest accepted plan (224 sq ft) to a 1,199 sq ft three-bedroom.

County of San Diego Standard ADU Plans (Plans A through F): the free path

The County of San Diego Planning & Development Services Department publishes six standard ADU plans — labeled Plans A through F, internal IDs PDS670 through PDS675 — that are free to download in PDF or CAD from sandiegocounty.gov. They were originally drafted for the unincorporated County, but the City of San Diego accepts them under AB 1332. The County describes the plans as approximately 85% complete; you still need a designer to add the site-specific package per the Dwelling Unit Checklist (PDS-607).

Plan A (PDS670) is the largest 3-bedroom option at 1,200 sq ft. Plans B (PDS673) and C (PDS675) are also 1,200 sq ft, configured as 2-bedroom layouts (Plan C with a second bath). Plan D (PDS674) is a 1,000 sq ft 1-bedroom with 1.5 baths. Plan E (PDS672) is an 800 sq ft 1BR/1BA. Plan F (PDS671) is the smallest at 600 sq ft, a 1BR/1BA — and the only County plan that sits below the 750 sq ft interior-livable-space threshold for full impact-fee exemption under California Government Code §66311.5(c)(1).

The free download is the headline benefit. The watch-out is what “85% complete” actually means. You will need a designer or engineer to add: a site plan oriented to your specific parcel and setbacks; structural calculations adapted to your soil and seismic conditions; California Title 24 energy compliance documentation specific to your climate zone (Climate Zone 7 covers most of the City of San Diego west of I-15; Climate Zone 10 covers parts of inland communities); utility connection plans; foundation type selection (slab-on-grade vs. raised); and any required geotechnical or soils report.

City of Chula Vista Standard ADU Plans (SnapADU-designed): 12 files, mirror options included

The City of Chula Vista standard ADU plans were designed by SnapADU, a San Diego–based design-build firm, through a competitive bid process. The library contains six floor-plan families ranging from 498 to 1,199 sq ft, with each family available in a “Reverse” mirror version for a total of 12 plan files (per chulavistaca.gov). The City of San Diego accepts them under AB 1332.

The Chula Vista catalog is the most thoughtfully constructed of the three. The 498 sq ft Square plan is a true compact 1-bedroom optimized for tight lots, well below the 750 sq ft interior-livable-space threshold. The three 748–749 sq ft variants (Long, Square, L-Shape) give homeowners three different footprints at almost identical square footage; if your buildable area is a narrow strip you want the Long, if you have a roughly square pad you want the Square, and if you are building into the corner of the lot the L-Shape uses the geometry better.

Mirror versions matter more than people expect. They let you flip the floor plan so the kitchen, bedrooms, and entrance face the direction that actually fits your lot’s orientation, solar exposure, and neighbor relationships — without disqualifying pre-approved status. On a non-mirrored library, achieving the same flip would require redrawing.

SnapADU also builds ADUs across Greater San Diego, including in the City of San Diego itself. Confirm plan licensing terms — including which contractor may build from a licensed plan — directly with SnapADU.

City of Encinitas PRADU Plans (Design Path Studio + DZN Partners): widest size range and smallest accepted unit

The City of Encinitas Permit-Ready Accessory Dwelling Unit (PRADU) program offers eight pre-approved plans from two local architectural firms — Design Path Studio and DZN Partners — selected by Encinitas through a request-for-proposal process starting in 2019 (per encinitasca.gov). Plans range from a 224 sq ft DZN Partners studio (the smallest plan the City of San Diego accepts under AB 1332) to a 1,199 sq ft DZN Partners 3-bedroom. Encinitas states the plans have been updated regularly to current building code requirements and that modifications disqualify pre-approved status.

Design Path Studio’s set uses an “expandable” concept: the studio at 350 sq ft contains the primary plumbing, utilities, and structural openings needed for the larger plans, so a homeowner can start with a studio and add bedrooms later with minimal plumbing rework. The four Design Path units are 350, 555, 745, and 938 sq ft.

DZN Partners’ set emphasizes exterior options and rooflines — useful when matching the ADU to a specific architectural style. The four DZN units are 224, 499, 990, and 1,199 sq ft.

The PRADU plans are downloadable from the City of Encinitas page. Reuse terms for use on a City of San Diego submittal should be confirmed with each architect; do not assume any specific licensing or fee structure without that confirmation. Note: the fee waivers Encinitas offers on Encinitas projects do not transfer to a City of San Diego submittal — you pay San Diego’s fees on a San Diego submittal.

SDHC’s four City-specific ADU templates: the separate path

The San Diego Housing Commission publishes four City of San Diego–specific ADU template plans — a studio, a 1-bedroom/1-bath, a 2-bedroom/2-bath, and a 3-bedroom/3-bath — derived from its ADU Development Pilot Program (per sdhc.org). SDHC explicitly states the templates received initial approval from the City of San Diego DSD but will require further site-specific review and that approval is not guaranteed. SDHC also states the templates are not authorized for use outside the City of San Diego. Treat these as a fourth path distinct from the AB 1332 list.

Why does SDHC have its own templates? They came out of a pilot program SDHC ran to test ADU construction on its own properties; SDHC then made the designs available to City of San Diego homeowners. SDHC pairs the templates with its ADU Finance Program, which offers construction-to-permanent loans up to $250,000 plus no-cost technical assistance for eligible moderate-income City of San Diego homeowners, subject to SDHC and lender underwriting, current program availability, and current SDHC guidelines. Program restrictions per SDHC: applicants must be income-qualifying City of San Diego homeowners; the property must be owner-occupied; completed ADUs must be rented at affordable rents to low-income households for seven years; family members may not be tenants in the SDHC-financed unit during the affordability period; one ADU per property is financed.

If you are income-qualifying and the affordability commitment fits your goals, the combination of a City-derived template plus SDHC’s financing assistance can substantially lower the all-in cost — subject to the restrictions above. If those constraints do not fit (for example, you want to house a family member, you want market-rate rent, or your income exceeds the program ceiling), the SDHC templates are not the right path even if the floor plans look attractive.

How the 30-day review rule actually works

Per City of San Diego DSD, applications using pre-approved ADU plans are subject to a 30-day review and must comply with the San Diego Municipal Code. California Government Code §65852.27 ties the 30-day approve/deny window specifically to a complete detached-ADU application using a current-code-cycle pre-approved plan. Site-specific components — Title 24 energy compliance, structural calculations adapted to your site, geotechnical reports when triggered by site conditions, utility connection plans, stormwater compliance, and any Coastal Overlay, Fire Hazard Severity Zone, or Special Studies overlay reviews — run on separate timelines.

Two strategies that reliably shorten total time. First, resolve corrections as a single coordinated package rather than piecemeal — the City re-routes the application to each relevant division on resubmittal, so multiple round trips compound. Second, complete the water, sewer, school, and SDG&E forms in parallel with plan review, not after.

What it actually costs to use a pre-approved plan in the City of San Diego

City of San Diego permit fees are set in Information Bulletin 501 (IB-501), the City’s published fee schedule for construction permits. Specific dollar amounts depend on the permit category, project size, and applicable add-ons; verify the current IB-501 line items at the time of submittal. ADUs with 750 sq ft of interior livable space or less are exempt from impact fees under California Government Code §66311.5(c)(1); ADUs above 750 sq ft of interior livable space are charged proportionately. JADUs with 500 sq ft of interior livable space or less are also exempt from impact fees under the same statute.

Soft costs you incur before submitting (Dwelling Index editorial estimates; verify directly with local providers):

• Plan licensing or download (varies by source; County plans are free)
• Site-specific drafting to add site plan, foundation, utilities, and structural details to the master plan
• Title 24 energy compliance documentation
• Geotechnical / soils report (may be required based on site conditions)
• Survey or preliminary title report (often requested)

City of San Diego permit-stage fees and charges that may apply (per IB-501):

• Building permit plan check fee
• Building permit inspection fee
• Mechanical, electrical, and plumbing permits
• General Plan Maintenance Fee
• Mapping fee
• Water Meter Data Card and water/sewer plan check
• Stormwater applicability checklist review
• School fees (for ADUs at the size threshold under the applicable school district resolution)
• Recordation fees for ADU covenant and/or JADU agreement

Fees that only apply in certain situations:

• Development Impact Fees (only for ADUs over 750 sq ft of interior livable space per §66311.5; proportional to primary residence per state law)
• Community Enhancement Fee (new under the August 2025 reforms; applies to qualifying Bonus and Affordable ADUs under 750 sq ft to support neighborhood infrastructure)
• Coastal Development Permit fees (Coastal Overlay Zone projects)
• Inclusionary Housing fees (ADUs are subject to the City’s Inclusionary Housing Regulations)
• RTCIP fees (for projects with more than one ADU at applicable thresholds)

Worked example — 600 sq ft detached ADU using County Plan F (PDS671)

What the August 2025 Bonus ADU reforms changed (and whether they affect your plan choice)

On July 22, 2025, the San Diego City Council adopted a comprehensive reform package to the City’s ADU Home Density Bonus Program. The reforms became effective August 22, 2025 outside the Coastal Overlay Zone; inside the Coastal Overlay Zone, implementation is pending California Coastal Commission approval, anticipated in 2026. The reforms do not change the state-mandated base ADUs — you can still build one detached ADU, one attached or conversion ADU, and one JADU on most single-family lots. They reshape the Bonus path, which previously allowed up to unlimited Bonus ADUs in Sustainable Development Areas in exchange for affordable deed-restricted units.

The plain reading for most homeowners: if you are building one or two ADUs in a single-family zone using the base-state path, none of this changes your plan options at all. The 30-day pre-approved-plan review remains. The 26 accepted plans remain. The base setbacks remain. The base size limits remain.

One critical caveat: the August 2025 reforms have not yet taken effect inside the Coastal Overlay Zone. As of our verification date, Coastal Zone Bonus ADU projects continue to operate under the pre-August 2025 rules. The City has indicated it expects Coastal Commission approval in 2026. [Verify directly at the time of any Coastal Overlay Zone project planning.]

City of San Diego ADU rules at a glance

Independent of which pre-approved plan you choose, the City of San Diego’s base ADU rules govern your project (per Information Bulletin 400 and SDMC §141.0302). ADUs are sized 150 to 1,200 sq ft; JADUs are 150 to 500 sq ft of interior livable space and must be carved from an existing or proposed single-family residence. Side and rear setbacks are 0 ft if the ADU is 16 ft tall or shorter and the premises is outside a High or Very High Fire Hazard Severity Zone; 4 ft side/rear setback applies if the ADU exceeds 16 ft tall or sits in a High or Very High FHSZ. Parking is not required for new base-state ADUs except in specific Beach Impact Area situations outside Transit Priority Areas. ADUs may not be rented for terms shorter than 31 consecutive days. Newly constructed non-manufactured detached ADUs require solar PV under the California Energy Code.

What you still need to submit even with a pre-approved plan

Per City of San Diego DSD’s Information Bulletin 400 (ADU/JADU) and the DSD ADU/JADU webpage, a pre-approved plan is one component of a complete submittal. You still need a site-specific package on top: site plan and vicinity map, floor plans, roof plans, elevations, sections, structural plans and details, structural and truss calculations, Title 24 energy compliance documents specific to your climate zone and foundation type, the General Application (DS-3032), the Water Meter Data Card (DS-16), the Storm Water Applicability Checklist (DS-560), and a Housing Development Tracking Form.

Modifying a pre-approved plan: what’s allowed and what disqualifies it

Per Encinitas’s published PRADU guidance and consistent with the City of San Diego DSD page, the moment you change the floor plan, structural footprint, or door/window locations beyond a pre-approved master plan’s documented variation options, the plan is no longer pre-approved. The application falls back to standard plan check — typically longer review than the 30-calendar-day pre-approved window, plus higher plan-check fees.

What’s generally OK: site-specific orientation, foundation selection where the plan offers both slab-on-grade and raised options, exterior material choices within documented variations, and standard Title 24 adjustments.

What disqualifies pre-approved status: moving structural walls, changing window or door sizes beyond options, expanding square footage, mirroring a plan that is not published with a mirror version, and modifying the structural foundation type beyond what the plan offers.

If the plan does not fit, two better options exist. Look at all 26 plans and SDHC’s four templates again, sort by size and bedroom count, and see if a different plan fits better. Or go semi-custom from day one with a build-ready provider plan that includes layout flexibility in its base price.

When a pre-approved plan isn’t actually faster

Pre-approved plans save time and money on simple, well-fitted projects — flat lots with utilities nearby, no Coastal review, no fire-zone constraints, base-state (not Bonus) projects, and a plan that already matches the homeowner’s use case. They can cost more time and money on complex projects when the homeowner needs significant modifications, the lot needs structural adjustments anyway (slope, drainage, retaining walls), the project is in the Coastal Overlay Zone, or the homeowner is going through the Bonus path with the added sprinkler, parking, and Community Enhancement Fee requirements.

The honest framing: a pre-approved plan is a tool. Like any tool, it works on the right job and fails on the wrong one. The right job is a straightforward lot with a use case that one of the 26 plans already serves cleanly. The wrong job is a complicated lot, a custom layout vision, or a Bonus path on a tight buildable area.

If your project fits the second profile, our companion guides on San Diego detached ADU costs and the best ADU builders in San Diego County walk through the semi-custom math and the design-build firms that produce fully bespoke plans in a similar total timeline to a modified pre-approved plan. You are not stuck.

Which path should you use? County, Chula Vista, Encinitas, SDHC, or custom?

Use the County path if a 600 to 1,200 sq ft layout from Plans A through F already fits your goal — the plans are free and the design is straightforward. Use the Chula Vista (SnapADU) path if you want a 498 to 1,199 sq ft layout with a mirror option and value working with the firm that designed the plans. Use the Encinitas path if you want the widest size range or the very smallest accepted plan (224 sq ft). Use the SDHC path only if you are an income-qualifying City of San Diego homeowner who wants the templates paired with SDHC’s financing and accepts the seven-year affordability commitment and family-tenant restrictions. Use a custom or build-ready provider plan if your lot or use case needs meaningful changes that would disqualify pre-approved status.

How to submit a City of San Diego ADU permit using a pre-approved plan

The City of San Diego DSD permit submittal flow for a pre-approved plan is: confirm the property is in the City of San Diego; check zoning and overlays via ZAPP; select the pre-approved plan source and verify current-code-cycle status with the provider; license or download the plan; assemble the site-specific package; submit through the City’s online permitting portal; respond to corrections as one coordinated package; pay required fees; and proceed through inspections after permit issuance.

1. Confirm the property is in the City of San Diego. Jurisdiction is determined by parcel location, not homeowner preference. Adjacent unincorporated land falls under San Diego County PDS rules. Neighboring incorporated cities each have their own rules. If you are near a city boundary, confirm before relying on this guide.
2. Check zoning and overlays via ZAPP. Confirm base zone, SDA status, TPA status, FHSZ status, Coastal Overlay status, Parking Impact Overlay (Beach Impact Area) status, Airport Influence Areas, and check CTCAC opportunity-area status separately. Five minutes; free.
3. Select the pre-approved plan source and verify current-code-cycle status. Match plan size and bedroom count to your use case and your buildable area. Confirm current-code-cycle validity with the plan provider.
4. License or download the plan. County plans are a free download. Confirm Chula Vista, Encinitas, and SDHC access terms with the plan provider.
5. Assemble the site-specific package per the submittal checklist above. Engage a designer, a structural engineer, a Title 24 consultant, and (if needed) a geotechnical engineer.
6. Submit through the City’s online permitting portal. Select the Building Construction permit type. Identify the pre-approved plan source in the project description.
7. Respond to corrections as one coordinated package. The City routes the application to Building, Fire, Land Development (Planning), Land Development Engineering, and any overlay-specific divisions.
8. Pay fees and obtain permit issuance. Outside-agency forms (water, sewer, school, SDG&E workorder) must be complete.
9. Build, inspect, and close out. Schedule inspections through the City’s portal.

Coastal, fire, slope, and historic edge cases

Properties in the Coastal Overlay Zone, a High or Very High Fire Hazard Severity Zone, on steep slopes or special-study overlays, or with structures over 45 years old face additional review on top of the 30-day pre-approved-plan window. These conditions do not block a pre-approved plan — but they extend the total timeline, add fees and reports, and in some cases change the available plan footprint on your buildable area.

HOA note: The City of San Diego does not enforce private CC&Rs, HOA architectural rules, or recorded private restrictions. The City will approve a permit that complies with City code regardless of HOA rules. That does not mean your HOA cannot pursue you for violating its covenants. Pull your HOA’s architectural guidelines before licensing a plan.

Can I rent, Airbnb, or sell an ADU built from a City plan?

ADUs and JADUs in the City of San Diego may not be rented for terms shorter than 31 consecutive days — no Airbnb-style short-term rental is permitted (per City DSD). Long-term rentals (31 days or longer) are allowed. As of the August 2025 reforms, the City has implemented California AB 1033, allowing homeowners to subdivide an ADU into a condominium and sell it separately from the primary residence. ADUs developed through the City’s ADU Home Density Bonus Program are not eligible for separate sale.

• Long-term rental (31+ days). Permitted on all City of San Diego ADUs and JADUs. This is the path most homeowners take.
• Short-term / vacation rental (under 31 days). Not permitted on ADUs or JADUs. Do not build a financial pro forma around nightly rental income.
• SDHC-financed ADUs. Must be rented at affordable rents to income-qualifying tenants for seven years; SDHC’s program rules prohibit family-member tenants in the SDHC-financed unit during the affordability period.
• Selling the ADU as a separate condo (AB 1033 implementation). Under the August 2025 reforms, the City now allows ADU condominium subdivision and separate sale. Key conditions: final building inspection before final condominium plan recordation; first-30-days primary-occupancy listing requirement; ADUs developed through the Home Density Bonus Program ineligible.

Cost to build (not just permit): a realistic 2026 budget walkthrough

Per SnapADU’s March 2026 published cost guidance, detached turnkey ADU construction in San Diego typically runs $375 to $600+ per square foot, with most complete builds in the $300,000 to $450,000+ range. The California Construction Cost Index has risen approximately 44% from January 2021 to December 2025 per SnapADU’s tracking, meaning an ADU that cost $300,000 to build in 2021 would require approximately $430,000 in 2026 to build the same way.

Key cost drivers beyond size:

• Labor and materials: 50%+ of budget
• Sitework: Grading, retaining walls, drainage, utility trenching — flat lots with utilities nearby cost less
• Utility upgrades: Main panel upgrade and water meter upgrades add costs that vary by project
• Solar PV system: Required for new detached non-manufactured ADUs (California Energy Code)
• Fire sprinklers: Required for all Bonus ADUs and where the primary has them
• Finish level: Standard vs. premium can swing the budget materially
• Foundation type: Slab-on-grade is generally cheaper than raised foundation
• Fixed costs: Permit, design, kitchen, bathroom — these do not scale down with size

For detailed cost breakdowns by ADU type, finish level, and site condition — including worked examples for 500, 750, and 1,200 sq ft detached projects in the City of San Diego — see our companion guide: San Diego Detached ADU Cost (2026).

These are illustrative considerations, not guarantees of returns. Actual results depend on local market conditions, construction costs, financing terms, tenant demand, and regulatory approvals.

How the City of San Diego compares to neighboring jurisdictions

The City of San Diego’s pre-approved-plan acceptance, fees, and Bonus rules differ from neighboring jurisdictions. Verify which jurisdiction your parcel sits in before applying — jurisdiction is determined by parcel location, not homeowner preference.

How are San Diego homeowners actually paying for ADUs?

Most City of San Diego homeowners finance ADUs through home equity (HELOC), cash-out refinance, renovation-specific financing (loans against after-renovation value), construction-to-permanent loans, or — for income-qualifying City homeowners who accept the program restrictions — the SDHC ADU Finance Program. This page does not rank lenders. For financing-path education, see our companion guide.

Plan choice affects financing in a few ways. Smaller plans cost less to build, so HELOCs at typical combined loan-to-value ratios can fund them without refinancing the primary mortgage. Larger plans (1,000+ sq ft) often exceed HELOC capacity and require construction loans, cash-out refinances, or renovation loans that lend against post-construction value.

For the full financing comparison — which path fits which credit profile, which lenders serve California, and how to compare construction loans against cash-out refinances on present-value terms — see our ADU Financing Options guide.

The SDHC ADU Finance Program merits a separate look if you are an income-qualifying City of San Diego homeowner. It provides construction-to-permanent loans up to $250,000 plus no-cost technical assistance, subject to SDHC and lender underwriting, current program availability, and current SDHC guidelines (per sdhc.org). Restrictions: income eligibility, owner-occupancy, seven-year affordability commitment with affordable rents, no family-member tenants during the affordability period, one ADU per property. Verify current funding availability directly with SDHC.

What we verified and what still needs property-specific confirmation

Verified May 11, 2026.

Frequently asked questions

Related guides

• San Diego pre-approved ADU plans — the City-specific companion reference (26 options)
• San Diego County pre-approved ADU plans — for the unincorporated County path
• San Diego Detached ADU Cost 2026: Real Prices + Fee Math
• Best ADU builders in San Diego County — when pre-approved isn't right
• ADU Financing: Every Option Explained
• HELOC for ADU construction
• Best ADU builders in Chula Vista — City Standard plans explained
• Best ADU builders in Encinitas — PRADU program inventory
• California ADU Laws 2025 — state-law context

Methodology

This guide was researched and written by The Dwelling Index editorial team. The Dwelling Index is an independent research resource covering ADU financing, costs, and regulations. We are not a lender, builder, designer, brokerage, or property management company.

For this guide, we fetched the City of San Diego DSD ADU/JADU webpage, the City Regulatory Updates page, the City Adopted Single-Issue Land Development Code Amendments page, the City permit-processing timeline page, City Information Bulletin 400 and Information Bulletin 501, the County of San Diego PDS dwelling unit plans page, the City of Chula Vista ADU page, the City of Encinitas ADU page, and the San Diego Housing Commission ADU program page directly. We counted plans against each source’s official catalog and normalized the data into the 26-plan comparison table. The August 2025 Bonus ADU reform content was cross-referenced against the City Regulatory Updates page and the City’s Adopted Single-Issue LDC Amendments page. Statutory references were checked against California Government Code §65852.27 and §66311.5 as amended by SB 477.

Cost data was triangulated against SnapADU’s March 2026 published cost guidance. Where we cite specific dollar amounts that change frequently (fee schedule line items, plan licensing fees), we direct the reader to the primary source or label our estimates as editorial estimates pending direct verification. This page is reviewed quarterly; the next scheduled refresh is approximately August 11, 2026.

Where we recommend specific builders or financing partners, those recommendations come from our Partner Vetting Policy. We disclose all material commercial relationships at the first relevant link. If you find an error, please use our Corrections page.