Chula Vista ADU Cost in 2026: Real Prices, Permit Fees, and the 750-Sq-Ft Decision
A complete cost guide for Chula Vista ADUs in 2026 — the full permit fee schedule from Fee Bulletin 10-400, the 750-sq-ft DIF cliff decoded with worked math, school-district fees, east-vs-west I‑805 impact fees, and a 14-question builder decoder before you sign anything.
The short answer
A turnkey new-construction detached ADU in Chula Vista runs about $300,000 to $465,000 all-in in 2026 for the four most common City Standard plan sizes. A 498-sq-ft 1-bedroom lands around $300K. A 748- or 749-sq-ft 1- to 2-bedroom (the local impact-fee sweet spot) lands around $340K. A 999-sq-ft 2- to 3-bedroom lands around $420K. A 1,199-sq-ft 2- to 3-bedroom lands around $450K. Garage conversions and Junior ADUs (JADUs) can run materially lower — roughly $80K to $220K. The detached City Standard plan building permit fee itself is $3,951. Go above 750 square feet of interior livable space and your project becomes subject to proportional city Development Impact Fees and additional school-district fees that can add $5,000 to $30,000+ depending on which side of Interstate 805 you live on.
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| Size (City Standard plan) | Type | Est. all-in cost (2026) | Plain-English read |
|---|---|---|---|
| 498 sq ft | Detached 1-BR | ~$300K | Below all fee thresholds. Cheapest detached path. |
| 748–749 sq ft | Detached 1-/2-BR | ~$340K | The DIF-exempt sweet spot. Two bedrooms, $0 city impact fees, $0 CVESD school fee. |
| 999 sq ft | Detached 2-/3-BR | ~$420K | Triggers school fees and proportional impact fees. Better ¢/sq ft. |
| 1,199 sq ft | Detached 2-/3-BR | ~$450K | Max size. Highest absolute cost, best rent potential. |
| JADU (≤500 sq ft, interior) | Interior conversion | ~$80K–$160K | Cheapest legal path. Owner-occupancy required. |
| Garage conversion | ADU conversion | ~$130K–$220K | If garage is sound. Site surprises are common. |
Editorial estimate. Sources cited inline below. Last verified May 15, 2026.
How much does an ADU cost in Chula Vista in 2026?
Answer capsule: A complete, turnkey detached ADU in Chula Vista typically costs $300,000 to $465,000 all-in in 2026 depending on size, with the per-square-foot cost falling as the unit gets bigger. About 80–85% of an all-in budget is vertical build; the rest is design, plans, permits, agency fees, and sitework.
The Chula Vista ADU Cost Stack — Verified May 15, 2026
| Line item | 498 sq ft 1-BR | 748–749 sq ft 1-/2-BR | 999 sq ft 2-/3-BR | 1,199 sq ft 2-/3-BR |
|---|---|---|---|---|
| Vertical build (turnkey range) | ~$220K | ~$275K | ~$335K | ~$360K |
| Soft costs (design, plans, energy, reports) | ~$15K–$25K | ~$15K–$25K | ~$18K–$28K | ~$20K–$30K |
| City building permit fee (City Standard) | $3,951 | $3,951 | $3,951 | $3,951 |
| Sitework baseline (level lot) | ~$35K | ~$35K | ~$35K | ~$35K |
| CVESD school fee ($2.27/sq ft) | $0 (Ed Code \u00a717620 exemption) | $0 (CVESD ADU <750 SF exemption) | $2,268 | $2,722 |
| SUHSD school fee ($2.90/sq ft current) | $0 (Ed Code \u00a717620) | Confirm with district | $2,897 | $3,477 |
| City Development Impact Fees (DIFs) | $0 (exempt \u2264750 SF) | $0 (exempt \u2264750 SF) | Proportional to primary residence | Proportional to primary residence |
| Est. all-in (level lot, west of I-805, City Standard) | ~$280K–$310K | ~$330K–$360K | ~$405K–$435K | ~$430K–$465K |
| Upper band (east of I-805, proportional DIFs, nonstandard) | ~$310K | ~$370K | ~$445K | ~$485K+ |
Sources: SnapADU Cost to Build an ADU in San Diego, updated March 2026; Chula Vista Fee Bulletin 10-400 (September 2024); CVESD and SUHSD developer fee schedules. Editorial estimate — verify with current quotes and city DSD before budgeting a deposit.
Why builder quotes vary so much in 2026
The California Construction Cost Index (CCCI) moved from approximately 7,090 in January 2021 to approximately 10,258 in December 2025 — a roughly 44% increase in four years. An ADU that cost $300,000 in 2021 now requires roughly $430,000 to build the same scope. Three things change a quote materially: (1) what the builder assumes about your vertical build finishes (cabinet, countertop, flooring, and appliance allowances), (2) what the builder assumes about sitework, and (3) what the builder includes versus excludes from the headline price.
Get a specific number for your specific lot: Get your free Chula Vista ADU Feasibility Score →
What does Chula Vista charge for ADU permits and plan review?
Answer capsule: Chula Vista publishes ADU permit fees in Fee Bulletin 10-400, last updated September 2024. A detached ADU using a City Standard plan totals $3,951. A detached nonstandard ADU up to 1,200 sq ft totals $4,963. Garage conversions start at $1,604 for the first 400 sq ft.
Chula Vista ADU Permit Fees — Fee Bulletin 10-400 (September 2024)
| Permit category | Intake | Plan check | Inspection | Total |
|---|---|---|---|---|
| Detached ADU — City Standard plan | $476 | $533 | $2,942 | $3,951 |
| Detached ADU — Nonstandard, up to 1,200 SF | $546 | $1,475 | $2,942 | $4,963 |
| Attached ADU — First story, first 300 SF | $476 | $634 | $1,270 | $2,380 |
| Attached ADU — First story, each additional 300 SF | $0 | $211 | $212 | $423 |
| Attached ADU — Multi-story, first 300 SF | $476 | $846 | $1,376 | $2,698 |
| Attached ADU — Multi-story, each additional 300 SF | $0 | $211 | $318 | $529 |
| SFD Garage Conversion to ADU — First 400 SF | $476 | $423 | $705 | $1,604 |
| SFD Garage Conversion to ADU — Each additional 400 SF | $0 | $52 | $106 | $158 |
| SFD Conversion of Habitable Space — First 300 SF | $476 | $423 | $705 | $1,604 |
| SFD Conversion of Habitable Space — Each additional 1,000 SF | $0 | $105 | $106 | $211 |
Source: City of Chula Vista, Master Fee Schedule, Fee Bulletin 10-400, Miscellaneous Permit Fees, September 2024. Verified May 15, 2026.
These permit fees do NOT include school district fees (CVESD + SUHSD), city Development Impact Fees for ADUs over 750 sq ft, SDCWA water capacity charges, Sweetwater or Otay retail-agency capacity fees, or a Coastal Development Permit if your parcel is in the Bayfront Local Coastal Program area.
Why do 500 sq ft and 750 sq ft matter so much?
Answer capsule: Two square-footage thresholds change the Chula Vista ADU math more than any other variable: 500 sq ft and 750 sq ft. The 500-sq-ft line is the JADU maximum and triggers California Education Code §17620’s school-fee exemption for additions of 500 sq ft or less. The 750-sq-ft line controls almost every city-impact dollar above the build itself: under California Government Code §66311.5(c) (as amended by SB 543, 2025), ADUs and JADUs with 750 sq ft of interior livable space or less are exempt from all local agency impact fees. Cross 750 sq ft and the city charges DIFs proportionally.
The 749-sq-ft sweet spot — what it actually does
A 749-sq-ft ADU and an 800-sq-ft ADU look essentially identical in floor plan terms. The build cost difference is roughly 7%. The fee difference is closer to 100% on the DIF side. A 749-sq-ft ADU in Chula Vista, west of I-805, with a level lot and a City Standard plan, owes:
- $0 in city Development Impact Fees (California Government Code §66311.5(c) exempts ADUs at or below 750 sq ft of interior livable space)
- $0 in CVESD school fees (CVESD published policy: effective January 1, 2020, fees for ADUs under 750 sq ft are exempt)
- Confirm with SUHSD — Sweetwater Union High School District has not published an ADU-specific exemption between 500 and 750 sq ft on its public fee page. Confirm directly with SUHSD for your project before relying on a $0 SUHSD number.
Worked numbers across the 750-sq-ft cliff
A 749-sq-ft City Standard ADU vs. a 999-sq-ft City Standard ADU on the same Chula Vista lot, west of I-805, primary residence 1,800 sq ft, fees current as of May 15, 2026:
| Line item | 749-sq-ft City Standard | 999-sq-ft City Standard | Difference |
|---|---|---|---|
| Vertical build (turnkey) | ~$275K | ~$335K | +$60K |
| City building permit | $3,951 | $3,951 | $0 |
| CVESD school fee ($2.27/sq ft × habitable SF) | $0 (exempt) | $2,268 | +$2,268 |
| SUHSD school fee ($2.90/sq ft, current) | $0 to $2,172 (confirm with district) | $2,897 | +$725 to +$2,897 |
| Proportional Public Facilities DIF (illustrative) | $0 | several thousand | several thousand |
| Proportional Parkland fees, west of I-805 (illustrative) | $0 | several thousand | several thousand |
| Total identifiable delta in fees alone | $0 to a few thousand | ~$10K–$18K+ | ~$8K–$15K+ |
Editorial estimate from verified city and district fee data. Actual DIF proportional amount depends on your primary residence square footage. Last verified May 15, 2026.
The 500-sq-ft JADU line
A Junior ADU (JADU) is a special category under California ADU law: an interior unit of no more than 500 sq ft created inside the existing footprint of a single-family dwelling. JADUs may share a bathroom with the main house, must include an efficiency kitchen, and require owner-occupancy of either the JADU or the main residence. Under California Education Code §17620, residential additions of 500 sq ft or less are exempt from school fees regardless of classification. That makes the JADU the cheapest legal new-unit path in Chula Vista — but also the most restricted.
Are Chula Vista school fees part of the ADU cost?
Answer capsule: Yes — school district developer fees are separate from city permit fees and from city Development Impact Fees. Chula Vista Elementary School District (CVESD) charges $2.27 per square foot of habitable area (effective July 22, 2024) and has explicitly exempted ADUs under 750 sq ft since January 1, 2020. Sweetwater Union High School District (SUHSD) charges $2.90 per square foot through June 21, 2026, rising to $3.01 per square foot effective June 22, 2026; SUHSD has not published an ADU-specific exemption between 500 and 750 sq ft on its public fee page.
Chula Vista ADU school fee math by size
| ADU size | CVESD ($2.27/SF) | SUHSD current ($2.90/SF; rises to $3.01 on 6/22/2026) | Combined if SUHSD charges |
|---|---|---|---|
| 498 sq ft | $0 (Ed Code §17620) | $0 (Ed Code §17620) | $0 |
| 749 sq ft | $0 (CVESD ADU <750 SF exemption) | Confirm with district ($2,172 pre-6/22 or $2,255 post-6/22) | $0 to ~$2,200 |
| 750 sq ft | $1,703 | $2,175 / $2,258 (post-6/22) | $3,878 / $3,961 |
| 800 sq ft | $1,816 | $2,320 / $2,408 (post-6/22) | $4,136 / $4,224 |
| 999 sq ft | $2,268 | $2,897 / $3,007 (post-6/22) | $5,165 / $5,275 |
| 1,000 sq ft | $2,270 | $2,900 / $3,010 (post-6/22) | $5,170 / $5,280 |
| 1,199 sq ft | $2,722 | $3,477 / $3,609 (post-6/22) | $6,199 / $6,331 |
Sources: CVESD Developer Fees page, residential rate effective July 22, 2024; Sweetwater Union High School District Developer Fees page, current published schedule. Last verified May 15, 2026.
What if you’re in the San Ysidro School District boundary? A small slice of southern Chula Vista falls inside the San Ysidro School District boundary (Grades K-8) rather than CVESD. In that boundary, SUHSD’s high-school portion is charged at the lower Grades 9–12 rate of $2.02/sq ft through June 21, 2026, and San Ysidro School District charges the K-8 portion at its own rate. Confirm directly with both districts before relying on a number.
ADU cost by type in Chula Vista (detached, attached, garage, JADU, prefab)
Answer capsule: New-construction detached ADUs are the most expensive Chula Vista ADU path ($300K–$465K all-in). JADUs and garage conversions are the cheapest ($80K–$220K). Attached ADUs sit in the middle ($230K–$380K). Prefab units may save money on the smallest sizes but often run within a few percent of stick-built on 1,000+ sq ft units once you add foundation, crane, sitework, and utility hookup costs. Always request a fully installed quote, not a unit-only price.
| ADU type | Typical 2026 all-in cost (Chula Vista) | City permit fee anchor | Best fit | Watch-outs |
|---|---|---|---|---|
| Detached new construction | $300K–$465K | $3,951 (Standard) / $4,963 (Nonstandard) | Maximum rent potential, multigenerational privacy | Highest absolute cost; DIF + school-fee exposure over 750 SF |
| Attached new construction | $230K–$380K | $2,380 + $423/additional 300 SF (1st story) | Limited backyard; shared-wall efficiency | Structural tie-in and roof integration cost risk |
| Garage conversion | $130K–$220K | $1,604 first 400 SF + $158 each additional 400 SF | Existing intact garage on level pad | Hidden structural, utility, and slab upgrades |
| JADU (≤500 sq ft, interior) | $80K–$160K | $1,604 first 300 SF habitable conversion | Spare bedroom or attached garage; owner-occupant household | Owner-occupancy required; 500-SF cap; efficiency kitchen only |
| Prefab/modular detached | Requires fully installed Chula Vista quote | Same as detached | Accessible lots with clear crane path; small to mid-size units | Compare fully-installed (not unit-only) price |
Sources: SnapADU 2026 turnkey ranges; Chula Vista Fee Bulletin 10-400 (Sept 2024). Last verified May 15, 2026.
Garage conversion cost
Cheaper because the foundation, exterior walls, and roof already exist. Surprises hide in three places: (1) the existing slab may not meet current residential code for vapor barrier, insulation, or footing depth; (2) the electrical service may need an upgrade from 100A to 200A; (3) the sewer lateral connecting your house to the city main may need replacement. Older 4-inch clay laterals in West Chula Vista frequently fail the capacity test. A clean garage conversion can finish under $150K; a “discovered problems” conversion can run past $220K.
JADU cost
The Junior ADU is a hidden bargain. You take an existing 400-to-500 sq ft interior space and convert it to an independent unit with its own entry, efficiency kitchen, and (optionally) bathroom. No new foundation. No new exterior walls. The trade-off is owner-occupancy: under California law, the owner must live in either the JADU or the main residence.
Attached ADU cost
An attached ADU is a permitted addition with full ADU rights. Under California Government Code §66323, attached ADUs are limited to 850 sq ft for a 1-bedroom, 1,000 sq ft for a 2+ bedroom, or 50% of the primary residence’s floor area, whichever is greater. Chula Vista repealed its local ADU ordinance effective April 1, 2025, and now follows state law for these size standards. The cost per square foot is usually slightly under detached because the new unit shares at least one wall.
Do Chula Vista’s City Standard ADU plans actually save money?
Answer capsule: Yes — approximately $1,000 in plan-review fees versus a full custom submittal and roughly $10,000 in total combined private design and plan-check costs, according to the City of Chula Vista’s own September 17, 2024 council staff report. City Standard plans also receive a faster 14 business-day plan review versus 21 business days for nonstandard applications. The savings are real — but every City Standard plan still requires site-specific submittal items including a site plan, soils report or waiver, energy compliance documentation, and utility plan.
The 12 Chula Vista City Standard ADU Plans
| Plan size | Bedrooms | Shape | Floor plan variants |
|---|---|---|---|
| 498 sq ft | 1-BR | Square | Square + Square Reverse |
| 748 sq ft | 1- to 2-BR | Rectangle (Long) | Long + Long Reverse |
| 749 sq ft | 1- to 2-BR | Square | Square + Square Reverse |
| 749 sq ft | 1- to 2-BR | L-shape | L-Shape + L-Shape Reverse |
| 999 sq ft | 2- to 3-BR | L-shape | L-Shape + L-Shape Reverse |
| 1,199 sq ft | 2- to 3-BR | L-shape (typical) | Plan + Reverse variants |
One honest admission (provider-reported): SnapADU — the firm the City of Chula Vista selected to design the City Standard plans — disclosed in its April 2026 pre-approved plans guide that the publicly posted City Standard plan sets need code-cycle updates before permit use, and that the city has not yet budgeted a public refresh. The city’s own ADU page still lists the plans as available with expedited review. Verify current permit-readiness directly with Chula Vista DSD before submitting.
What the City Standard plan does NOT eliminate
- A site plan showing ADU placement, setbacks, and access
- A geotechnical (soils) report or soils waiver and certification
- Energy compliance documentation specific to your bedroom count, foundation type, and climate zone
- A utility plan showing water, sewer, gas, and electrical connections
- Stormwater Best Management Practices (BMPs) documentation
- Truss calculations specific to your roof loading and seismic zone
- Hold harmless agreement and affidavit for using a City Standard plan
What hidden costs can change a Chula Vista ADU budget?
Answer capsule: The biggest budget surprises come from site-specific requirements that builders may exclude from their headline number: soils report, electrical service upgrade, sewer lateral verification or replacement, Coastal Development Permit if your parcel is in the Bayfront Local Coastal Program area, water meter capacity fee, energy compliance documentation, and landscaping restoration. Each can add $1,000 to $15,000+ depending on conditions. Most are knowable in advance.
A damaging admission: most homeowners who say their ADU cost $250K are quoting their builder’s bid, not the all-in project cost. There’s typically a 15–25% gap between the two, and the gap is where the financial stress lives.
The seven hidden Chula Vista ADU cost lines
| Hidden cost line | Est. range | When it applies | How to spot it before signing |
|---|---|---|---|
| 1. Soils (geotechnical) report | ~$3,000–$6,000 | Default for all Chula Vista ADUs unless waiver applies | Ask: "Does the quote include the soils report or assume a waiver? What footing depth does the plan call for?" |
| 2. Electrical service upgrade (100A → 200A) | ~$3,000–$8,000 | Common in older West Chula Vista homes | Check existing panel amperage. Ask: "Is a panel upgrade included or excluded?" |
| 3. Sewer lateral verification or replacement | ~$2,000–$15,000 | Older 4-inch clay laterals frequently fail capacity test | Ask: "Has the existing sewer lateral been verified, and is replacement included if needed?" |
| 4. Coastal Development Permit (CDP) | ~$1,000–$5,000 + weeks of delay | Parcels inside the Bayfront Local Coastal Program area | Confirm coastal-zone status with Chula Vista DSD before design |
| 5. Water meter / capacity fee | ~$3,000–$10,000 | When a new water meter is added | Ask: "Does the ADU share the existing meter, or does it need a new meter? Are SDCWA and retail-agency capacity charges included?" |
| 6. Energy compliance documentation update | ~$500–$1,500 | Required for every project | Ask: "Is the Title 24 / energy compliance package included for our exact plan variant?" |
| 7. Tree removal, fencing, landscaping restoration | ~$2,000–$8,000 | Most builds | Ask: "Is landscape restoration on the disturbed area included?" |
Editorial estimating ranges based on common San Diego County ADU project data. Verify each line with site-specific quotes. Last verified May 15, 2026.
Which Chula Vista utility fees can change your ADU budget?
Answer capsule: Chula Vista is served by two retail water providers — Sweetwater Authority (Western Chula Vista) and Otay Water District (Eastern Chula Vista) — plus the San Diego County Water Authority (SDCWA) at the wholesale level, and the City of Chula Vista for sewer service. Whether your ADU adds a new water meter, shares the existing one, or needs sewer lateral verification depends on your retail agency and your lot.
| Path | Typical cost trigger | When this applies | Approximate cost range |
|---|---|---|---|
| Shared water meter with primary residence | No new SDCWA capacity charge | Most common path for detached ADUs | Minimal (utility verification only) |
| New separate water meter | SDCWA capacity charge + retail agency charges | Existing meter cannot supply added demand | $3,000–$10,000+ |
| Existing sewer lateral, verified | Verification cost only | Most builds with sufficient capacity | Verification ~$500–$1,500 |
| Existing sewer lateral, replacement | Trenching, replacement, inspection | Older clay laterals; longer runs | $2,000–$15,000+ |
| Salt Creek Sewer DIF | $1,955 per EDU | Parcels inside the Salt Creek sewer basin (eastern Chula Vista) | $1,955 |
| Poggi Canyon Sewer DIF | $265 per EDU | Parcels inside the Poggi Canyon sewer basin | $265 |
Source: City of Chula Vista, Master Fee Schedule Bulletin 16-100, October 2025; Chula Vista DSD ADU page. Last verified May 15, 2026.
How much more does it cost east vs. west of I-805?
Answer capsule: Chula Vista’s Development Impact Fees (DIFs) are charged on a geographic basis split by Interstate 805. East-of-I-805 fees are significantly higher for every category. For a 999-sq-ft ADU on a low-density lot, the proportional DIF allocation east of I-805 can be roughly $5,000 to $15,000 higher than the same ADU west of I-805. These fees only apply to ADUs with more than 750 sq ft of interior livable space under California Government Code §66311.5(c).
East vs. West of I-805 — Per-Dwelling-Unit DIFs (Single-Family Low Density, 2025–2026 rates)
| DIF category | West of I-805 | East of I-805 | East premium |
|---|---|---|---|
| Transportation DIF — Low density 0–6 DU/acre | $5,829 | $19,164 | +$13,335 |
| Parkland Acquisition | $4,994 | $12,676 | +$7,682 |
| Parkland Development (citywide, both sides) | $9,866 | $9,866 | $0 |
| Public Facilities DIF (Single-Family, citywide) | $16,002 | $16,002 | $0 |
| Otay Ranch Village 1/2/5/6 Pedestrian Bridge DIF (those villages only) | n/a | $1,213 | +$1,213 |
| Salt Creek Sewer DIF (per EDU, applicable in basin) | n/a or minimal | $1,955 | up to +$1,955 |
Source: City of Chula Vista, Master Fee Schedule Bulletin 16-100, Development & In-Lieu Fees, October 2025. These are full per-DU rates for a new single-family home; ADUs over 750 sq ft are charged proportionately based on ADU square footage relative to the primary residence. Last verified May 15, 2026.
How the proportional charge actually works
Under California Government Code §66311.5(c), Chula Vista charges ADUs over 750 sq ft on a proportional basis: your ADU’s square footage divided by your primary residence’s square footage, multiplied by the per-DU fee.
Worked example: 999-sq-ft ADU east of I-805, 2,000-sq-ft primary residence
- ADU/primary ratio = 999 / 2,000 = 0.4995 (roughly 50%)
- Eastern Transportation DIF: $19,164 × 0.4995 = ~$9,572
- Parkland Acquisition (east): $12,676 × 0.4995 = ~$6,332
- Parkland Development (citywide): $9,866 × 0.4995 = ~$4,928
- Public Facilities DIF: $16,002 × 0.4995 = ~$7,993
- Approximate DIF subtotal: ~$28,825 (plus any applicable pedestrian bridge and Salt Creek sewer DIFs)
Same ADU west of I-805, same primary residence
- Western Transportation DIF: $5,829 × 0.4995 = ~$2,912
- Parkland Acquisition (west): $4,994 × 0.4995 = ~$2,494
- Parkland Development (citywide): ~$4,928
- Public Facilities DIF: ~$7,993
- Approximate DIF subtotal: ~$18,327
East-of-I-805 premium on this scenario: roughly $10,500 in additional DIFs for the same ADU.
Want to know which I-805 fee zone you’re in? Run your address through our free Chula Vista ADU Feasibility Score →
ADU cost per square foot in Chula Vista (2026)
Answer capsule: Detached ADUs in Chula Vista typically run $375 to $600+ per square foot all-in for new construction in 2026. Cost per square foot falls as the unit gets bigger because fixed costs (kitchen, bathroom, utility hookups, design, permits, mobilization) are spread over more square footage. The City of Chula Vista’s own September 17, 2024 staff report cites a typical project cost range of $300 to $500 per square foot, consistent with the wider $375–$600 builder-published range when sitework and agency fees are included.
| ADU size | Vertical build $/SF | All-in $/SF | Notes |
|---|---|---|---|
| 500 sq ft 1-BR | ~$440/SF | ~$600/SF | Smallest detached path; fixed costs dominate |
| 750 sq ft 2-BR | ~$365/SF | ~$465/SF | Sweet spot for ¢/SF + DIF exemption |
| 1,000 sq ft 2-BR | ~$335/SF | ~$425/SF | Better ¢/SF; triggers school + impact fees |
| 1,200 sq ft 3-BR | ~$300/SF | ~$375/SF | Best ¢/SF; highest absolute cost |
Source: SnapADU, Cost to Build an ADU in San Diego, updated March 2026. All-in includes vertical build, sitework baseline, and standard finishes. Excludes site-specific surprises and agency fees. Last verified May 15, 2026.
How much can a Chula Vista ADU rent for, and does it pay back?
Answer capsule: Verified Chula Vista rent comps show 1-BR rents of about $2,165–$2,425, 2-BR rents of about $2,745–$2,985, and 3-BR rents of about $3,330–$3,340 in the two ZIPs with published 2026 data. On a $400,000 all-in project with $2,800/month rent, gross yield runs roughly 8.4% before vacancy, maintenance, insurance, and taxes.
Chula Vista rent comps by ZIP — 2026 (verified)
| ZIP | Neighborhood examples | 1-BR median rent | 2-BR median rent | 3-BR median rent |
|---|---|---|---|---|
| 91910 | Hilltop, Castle Park, Broderick Estates, Woodlawn Park | ~$2,165 | ~$2,745 | ~$3,330 |
| 91913 | Otay Ranch, Rancho del Rey, Eastlake, Heritage | ~$2,425 | ~$2,985 | ~$3,340 |
Source: Rentometer data via SnapADU’s Chula Vista regulations page, March 2026. For 91911, 91914, and 91915, pull current local comps — published medians for those ZIPs were not consistently available. Last verified May 15, 2026.
Gross-rent worked examples
| ZIP / Type | Monthly rent | Annual gross rent | On $400K all-in (illustrative gross yield) |
|---|---|---|---|
| 91910 1-BR | $2,165 | $25,980 | 6.5% |
| 91910 2-BR | $2,745 | $32,940 | 8.2% |
| 91910 3-BR | $3,330 | $39,960 | 10.0% |
| 91913 1-BR | $2,425 | $29,100 | 7.3% |
| 91913 2-BR | $2,985 | $35,820 | 9.0% |
| 91913 3-BR | $3,340 | $40,080 | 10.0% |
These are illustrative gross-yield examples, not guarantees of returns. Actual results depend on local market conditions, construction costs, financing terms, vacancy, maintenance, insurance, taxes, and regulatory approvals.
A more honest ROI frame
Most Chula Vista homeowners who build an ADU and rent it don’t break even on construction cost in five years. They typically break even in 10–14 years on rent alone, and they capture the appreciation value of the second dwelling when they sell. Properties with ADUs appeal to multiple buyer segments simultaneously — investors, multigenerational families, and work-from-home professionals — which tends to translate to broader buyer interest at sale.
Is Chula Vista’s ADU loan program open? Are grants available?
Answer capsule: No to both, as of May 15, 2026. The City of Chula Vista ADU Loan Program stopped accepting new applications in June 2024, per the city’s own DSD ADU page. The California Housing Finance Agency (CalHFA) ADU Grant Program ($40,000 maximum) reported its most recent round fully allocated as of December 28, 2023. Chula Vista homeowners are still building ADUs in 2026 — but financing through home equity, cash-out refinance, renovation loans, or construction-to-permanent loans, not grants.
Chula Vista ADU financing path comparison
| Financing path | How it works | Best-fit scenario | Main tradeoff |
|---|---|---|---|
| Cash / investments | Pay out of pocket | Avoid all debt; fastest close | Opportunity cost on the cash |
| HELOC (Home Equity Line of Credit) | Revolving line secured by existing home equity; draw as needed | Strong equity, want flexible draw timing | Variable-rate exposure; second lien |
| Cash-out refinance | Replace first mortgage with a larger one; take difference in cash | Current mortgage is near today’s rates; want fixed-rate term | Replaces existing first mortgage — bad fit if you have a low pre-2022 rate |
| Renovation loan (Fannie HomeStyle / FHA 203(k)) | First mortgage including renovation funds based on after-renovation value | Limited current equity; combining purchase + ADU build | More documentation, more lender oversight |
| Construction-to-permanent loan | Construction loan that converts to permanent mortgage at completion | New construction project with clear draw schedule | Higher documentation, project-management requirements |
| Home Equity Investment (HEI) | Lump sum from investor in exchange for share of future home appreciation; no monthly payment | Cash-flow constrained; comfortable with shared appreciation | Shared appreciation can be expensive at sale |
Editorial guidance: For many strong-equity homeowners with a low pre-2022 first mortgage rate they want to keep, a HELOC is often the lane to compare first because it preserves the existing first-mortgage rate. For homeowners whose first mortgage is already at or near current rates, a cash-out refinance may be more relevant.
The Dwelling Index is not a lender. We do not promise rates, payments, or qualification. Loan availability, rates, and terms depend on your credit, equity, and the lender. See ADU Financing Paths →
How long does it take to permit and build an ADU in Chula Vista?
Answer capsule: A typical Chula Vista ADU project takes 6 to 12 months from contract to certificate of occupancy — roughly 4–5 months of design and permitting plus 4–6 months of construction. The city reviews City Standard plan applications in 14 business days and nonstandard ADU applications in 21 business days, but those are review windows, not total project timelines. California Government Code §66317 requires completeness determination within 15 business days and approve-or-deny within 60 days.
Realistic timeline by phase
| Phase | Typical duration | Notes |
|---|---|---|
| Feasibility + budget | 1–3 weeks | Lot review, zoning, utility check, cost estimate |
| Design / site-specific drawings | 4–10 weeks | Floor plan modifications, structural, MEP, energy compliance |
| Plan check submission | Immediate | City Standard ADU applications may be submitted online per Chula Vista’s current ADU page |
| City plan review — City Standard plan | 14 business days | Roughly 3 calendar weeks |
| City plan review — Nonstandard plan | 21 business days | Roughly 4 calendar weeks |
| Plan check corrections (1–2 rounds typical) | 2–6 weeks | Builder responds; city re-reviews |
| Permit issuance + fee payment | 1–2 weeks | Permit-related fees and school/utility clearances may be due before issuance; most Chula Vista DIFs may be paid at permit issuance or deferred to final inspection |
| Construction — 500 sq ft ADU | 12–16 weeks | Foundation through final inspection |
| Construction — 1,000+ sq ft ADU | 16–24 weeks | Larger units, more inspections |
| Total contract-to-occupancy | 6–12 months | Depends on size, complexity, site work |
Construction milestones to track
- Foundation inspection (footings, rebar, anchor bolts)
- Underground plumbing and electrical
- Framing inspection
- Rough mechanical / electrical / plumbing
- Insulation
- Drywall
- Final building, final electrical, final plumbing, final mechanical
- Certificate of Occupancy
A failed inspection typically costs 3–7 days. Each inspection phase must pass before the next can start.
What AB 462 means if your lot is in the coastal zone: Under AB 462 (signed October 10, 2025; amending California Government Code §66329), the city must now approve or deny a complete Coastal Development Permit (CDP) for an ADU within 60 days; the CDP review runs concurrently with the ADU plan review; public hearings for ADU CDPs are removed; and a local-government ADU CDP decision under Government Code §66329(a) is not subject to appeal under Public Resources Code §30603. This materially streamlines the coastal ADU timeline compared to pre-AB 462 projects.
What should you ask a Chula Vista ADU builder before signing?
Answer capsule: Before signing a Chula Vista ADU contract, confirm in writing what’s included in the price and what’s excluded. The biggest cost surprises come from line items that aren’t in the headline number: city permit fees, school fees, soils report, sewer lateral verification, electrical service upgrade, water meter capacity charges, solar/PV, energy compliance documents, finish allowance levels, change-order policy, and landscape restoration.
The 14-question Chula Vista builder quote decoder
| # | Question to ask | Why it matters |
|---|---|---|
| 1 | Does the quote include the city building permit fee ($3,951 standard / $4,963 nonstandard)? | Some quotes show this as a separate “agency fee” pass-through. |
| 2 | Does it include school developer fees (CVESD + SUHSD, if size ≥750 sq ft)? | Often excluded from contractor scope. |
| 3 | Does it include Development Impact Fees if the ADU exceeds 750 sq ft? | Proportional and material — east of I-805 especially. |
| 4 | Does it include soils (geotechnical) report or waiver documentation? | Required as a site-specific submittal item. |
| 5 | Does it include sewer lateral verification or replacement if needed? | Older laterals frequently fail capacity test. |
| 6 | Does it include electrical service panel upgrade if needed? | 100A → 200A is common on older West Chula Vista homes. |
| 7 | Does it include water meter capacity charges (SDCWA + Sweetwater Authority or Otay)? | Often a separate agency pass-through. |
| 8 | Does it include solar/PV as required by California Title 24? | New detached ADUs trigger PV requirements. |
| 9 | Does it include energy compliance documentation specific to my foundation type and bedroom count? | Title 24 docs must match the plan variant. |
| 10 | What is the finish allowance (cabinets, countertops, flooring, appliances)? | Low allowances become change orders. |
| 11 | What is the change-order policy? Markup percentage? Approval threshold? | Project cost grows here. |
| 12 | What is the price-lock policy? Is the price fixed at contract or subject to material escalation? | Construction cost inflation has been significant. Lock matters. |
| 13 | What is the down payment? (CSLB caps it at the lesser of $1,000 or 10% of contract price.) | Anything more is a red flag. |
| 14 | Does it include landscape restoration on the disturbed work area? | Almost never in the base number. |
Approved Chula Vista builder partner
For homeowners who want a fixed-price, City Standard plan path with the builder that designed the city’s plans, SnapADU is our active referral partner for Greater San Diego County including Chula Vista. They publish a price-lock policy that fixes the construction price before plans are submitted to the city. We disclose this partnership openly — they’re on the page because they fit the city, not because they pay us. Verify the firm’s current CSLB license, bond, and workers’ comp at cslb.ca.gov before signing any builder contract.
Compare your lot with SnapADU’s City Standard plan pricing →Best fit if you want a detached, site-built ADU using a City Standard plan or a custom design-build project with a price-lock guarantee. Not ideal if you only want a delivered-only prefab unit or a lowest-bid garage conversion.
Affiliate link. Disclosure: We may earn a commission at no extra cost to you. Our editorial framing is not influenced by compensation.
For homeowners comparing builders by project fit — including prefab specialists, garage-conversion experts, and budget-tier paths — see our companion guide: Best ADU Builders in Chula Vista 2026 →
What’s the cheapest safe path to an ADU in Chula Vista?
Answer capsule: The cheapest safe path depends on your property conditions and tolerance for owner-occupancy restrictions. For homeowners willing to live in the main house, a JADU (≤500 sq ft interior conversion) is typically the lowest absolute cost at $80K–$160K. For homeowners with a sound existing garage, a garage conversion ADU runs $130K–$220K. For homeowners committed to a new detached unit trying to minimize fee exposure, the 498-sq-ft City Standard plan lands around $300K and the 748- or 749-sq-ft City Standard plan lands around $340K — both with zero proportional DIFs and zero CVESD school fees.
The Chula Vista budget-path matrix
| If your priority is… | Start with… | Watch out for… |
|---|---|---|
| Lowest absolute cost ($80K–$160K) | JADU / interior conversion | Owner-occupancy required; 500-SF cap; efficiency kitchen only |
| Use existing garage ($130K–$220K) | Garage conversion ADU | Slab/foundation, electrical panel, sewer lateral upgrades |
| Detached but compact (~$300K) | 498-sq-ft City Standard plan | Higher ¢/sq ft; limited rental rate ceiling |
| Two bedrooms at the DIF-exempt sweet spot (~$340K) | 748 or 749-sq-ft City Standard plan | Confirm 1-vs-2 BR layout fits your lot; confirm SUHSD school-fee treatment |
| Maximum rental yield (~$420K–$465K) | 999- or 1,199-sq-ft City Standard plan | Triggers school fees, proportional DIFs |
| Custom design or unusual lot | Nonstandard detached ADU | $4,963 permit (vs $3,951 Standard); $10K+ in extra design cost |
The 748/749-sq-ft City Standard plan is often the highest-value path: it’s a true ADU (no owner-occupancy required), it sits one square foot below the DIF cliff, it qualifies for the expedited 14 business-day review, and it gets you two bedrooms in a market where 2-BR rents are roughly $580/month higher than 1-BR rents.
Want our free ADU planning kit before you call a builder?
The soils-report waiver checklist, the 14-question builder quote decoder, the fee-stack worksheet, and the financing-lane comparison — all in a single downloadable PDF. No phone call required.
Get the Free ADU Starter Kit →What we verified for this guide
This is a money page. We separate what’s officially verified from what’s provider-reported from what’s editorial estimate, because that’s the only honest way to publish numbers people will plan around.
Officially verified (city, state, or government source)
- Chula Vista ADU permit fee schedule — $3,951 standard / $4,963 nonstandard / $1,604 garage conversion. Source: City of Chula Vista, Master Fee Schedule, Fee Bulletin 10-400, September 2024. Verified May 15, 2026.
- Chula Vista Development Impact Fees — Public Facilities DIF $16,002/DU; Parkland Acquisition $4,994 west / $12,676 east; Eastern Transportation DIF $19,164/DU; Western Transportation DIF $5,829/DU. Source: City of Chula Vista, Master Fee Schedule Bulletin 16-100, October 2025. Verified May 15, 2026.
- ADU impact fee exemption framework — ADUs ≤750 sq ft of interior livable space exempt from all local impact fees. Source: California Government Code §66311.5(c), as amended by SB 543 (2025).
- California 15-day completeness / 60-day decision clock. Source: California Government Code §66317.
- AB 462 (signed October 10, 2025) — 60-day CDP timeline for ADU Coastal Development Permits, concurrent review, no public hearings, no appeal under PRC §30603.
- CVESD developer fee — $2.27/sq ft effective July 22, 2024; ADUs under 750 sq ft exempt since January 1, 2020. Source: CVESD Developer Fees page. Verified May 15, 2026.
- SUHSD developer fee — $2.90/sq ft through June 21, 2026; $3.01/sq ft from June 22, 2026. Source: Sweetwater Union High School District Developer Fees page. Verified May 15, 2026.
- California Education Code §17620 — additions of 500 sq ft or less exempt from school fees.
- City Standard plan review savings — ~$1,000 in plan review fees and ~$10,000 in total combined design + review costs; 14 business-day review vs. 21 business days. Source: City of Chula Vista Council Staff Report, September 17, 2024. Verified May 15, 2026.
- Chula Vista ADU Loan Program — not accepting new applications as of June 2024. Source: Chula Vista DSD ADU page. Verified May 15, 2026.
- CSLB down-payment cap — lesser of $1,000 or 10% of contract price. Source: Contractors State License Board consumer guide.
Provider-reported (named source, not city-confirmed)
- SnapADU 2026 turnkey pricing — $300K (500 sq ft), $350K (750 sq ft), $425K (1,000 sq ft), $450K (1,200 sq ft). Source: SnapADU, updated March 2026.
- SnapADU plan-specific Chula Vista pricing— 493-sq-ft 1-BR at $219K before plans/permits/sitework; 748/749-sq-ft plans at $269K–$284K. Source: SnapADU plan pages. Verified May 15, 2026.
- April 2026 SnapADU statement on City Standard plan permit-readiness — that publicly posted plan sets need code-cycle updates. The city’s own ADU page still lists plans as available with expedited review. Verify directly with Chula Vista DSD. Source: SnapADU pre-approved plans guide, April 2026.
- Soils-report waiver triggers — one-story detached ADUs on natural or cut grade with 18-inch footings and 4-inch slab; two-story needing 24-inch footings. Provider-reported by SnapADU based on project history. Source: SnapADU Chula Vista regulations page, April 2026.
- Chula Vista rent comps by ZIP — 91910 1-BR ~$2,165, 2-BR ~$2,745; 91913 1-BR ~$2,425, 2-BR ~$2,985. Source: Rentometer data via SnapADU, March 2026.
Editorial estimates (clearly framed)
- All-in cost ranges by City Standard plan size — synthesized from SnapADU turnkey numbers, Fee Bulletin 10-400, and CVESD/SUHSD fee schedules.
- East-vs-west-of-I-805 cost differential — computed from city fee data with assumed primary-residence size ratio.
- Gross-yield ROI examples — illustrative, not guarantees.
- Hidden-cost dollar ranges (soils, electrical, sewer lateral) — editorial estimating bands based on common San Diego County ADU project data. Verify each with site-specific quotes.
Still needs verification before final budget reliance
- SUHSD school-fee treatment for ADUs between 500 and 750 sq ft — confirm directly with the district.
- Proportional DIF calculation for a specific lot — depends on your primary residence square footage.
- Whether your parcel is in the Bayfront Local Coastal Program, a Very High Fire Hazard Severity Zone, a methane zone, a floodplain, or a special overlay — call DSD with your APN.
- Two to three current local garage-conversion quotes for your neighborhood.
Methodology
Dwelling Index is an independent research resource covering ADU financing, costs, and regulations. We built this Chula Vista ADU cost guide by cross-checking the City of Chula Vista’s published ADU page, the September 2024 Fee Bulletin 10-400, the October 2025 Master Fee Schedule Bulletin 16-100, the City Standard ADU Plan Submittal Guide, the September 17, 2024 city council staff report on ADU Standard Plans, California Government Code Chapter 13 (Accessory Dwelling Units, §§ 66310–66342), California Education Code §17620, AB 462 (2025), SB 543 (2025), CVESD and Sweetwater Union HSD developer fee schedules, the California Department of General Services Construction Cost Index (via SnapADU’s published reference), SnapADU’s March 2026 ADU cost page, SnapADU’s April 2026 Chula Vista regulations page, and published Chula Vista rent comps from Rentometer.
We separated officially verified public-agency facts from named-provider claims from editorial budgeting conclusions, and labeled each accordingly. Cost ranges are planning estimates, not quotes. Verify final figures with the City of Chula Vista Development Services Department, the relevant school districts, licensed contractors, and qualified financial professionals before making decisions.
Numbers are re-verified on the cadence in our recency plan: city fees quarterly (DIFs index every October 1), school fees monthly through June 2026 then quarterly, state law quarterly, partner pricing quarterly, rent comps quarterly. The next scheduled review of this page is August 15, 2026.
Our active referral partner for Chula Vista builder content is SnapADU, the firm the city selected to design the City Standard ADU Plans. Our active financing-path partner is Mortgage Research Center. We disclose both partnerships openly. We have no financial relationship with the City of Chula Vista, any school district, or any builder mentioned here other than the disclosed SnapADU referral relationship.
Frequently asked questions
How much does it cost to build an ADU in Chula Vista?
A new-construction detached ADU in Chula Vista typically costs $300,000 to $465,000 all-in in 2026, depending on size. The four most common City Standard plan sizes price approximately as follows: 498 sq ft at $300K, 748 or 749 sq ft at $340K, 999 sq ft at $420K, and 1,199 sq ft at $450K. Garage conversions run $130K–$220K, and JADUs run $80K–$160K.
How much is a 500-sq-ft ADU in Chula Vista?
A 498- to 500-sq-ft City Standard detached ADU in Chula Vista costs approximately $280,000 to $310,000 all-in in 2026. SnapADU’s comparable 493-sq-ft 1-bedroom plan is listed at $219,000 before plans, permits, sitework, and lot-dependent work; their San Diego region all-in benchmark for a 500-sq-ft 1-bedroom turnkey ADU is approximately $300,000.
How much is a 750-sq-ft ADU in Chula Vista?
A 748- or 749-sq-ft City Standard detached ADU in Chula Vista costs approximately $330,000 to $360,000 all-in in 2026. SnapADU’s plan-specific pricing on 748/749-sq-ft plans is $269,000 to $284,000 before plans, permits, sitework, and lot-dependent work. This is the DIF-exempt sweet spot — at 749 sq ft you owe $0 in city impact fees and $0 in CVESD school fees; SUHSD school-fee treatment should be confirmed with the district.
How much is a 1,200-sq-ft ADU in Chula Vista?
A 1,199-sq-ft City Standard detached ADU in Chula Vista costs approximately $430,000 to $465,000 all-in in 2026. SnapADU’s San Diego region all-in benchmark for a 1,200-sq-ft 3-bedroom turnkey ADU is approximately $450,000. ADUs of this size trigger school fees of approximately $6,200 (combined CVESD + SUHSD at current rates) plus proportional Development Impact Fees that vary by I-805 zone.
Are ADUs under 750 sq ft free from all fees in Chula Vista?
Not all fees — they are exempt from city Development Impact Fees under California Government Code §66311.5(c), and they are exempt from CVESD school fees under CVESD’s published policy effective January 1, 2020. You still pay the city building permit fee ($3,951 for a City Standard detached plan), the construction cost itself, sitework, design, and any water meter capacity, sewer DIF, or coastal permit fees that apply. SUHSD has not published an ADU-specific exemption between 500 and 750 sq ft, so confirm with the district based on your project.
What are Chula Vista’s ADU permit fees in 2026?
Per Chula Vista Fee Bulletin 10-400 (September 2024): $3,951 for a detached ADU using a City Standard plan, $4,963 for a detached nonstandard ADU up to 1,200 sq ft, $2,380 for an attached ADU first story (first 300 sq ft), $2,698 for a multi-story attached ADU (first 300 sq ft), $1,604 for a garage conversion ADU (first 400 sq ft), and $1,604 for a habitable-space conversion ADU (first 300 sq ft).
Do Chula Vista’s City Standard ADU plans actually save money?
Yes — approximately $1,000 in plan review fees and about $10,000 in total combined private design and city plan-check costs, per the City of Chula Vista’s September 17, 2024 council staff report. City Standard plan applications also receive a 14 business-day review window versus 21 business days for nonstandard applications.
Does Chula Vista require ADU parking?
Generally no, in most Chula Vista situations. California state law eliminates ADU parking requirements when the ADU is within a half mile of public transit (including bus stops), within an established historic district, converted from existing space, attached to an existing or proposed primary residence, in an area with restricted on-street parking permits, or within one block of a car-share area. SB 1211 (effective January 2025) further provides that when a garage, carport, or covered parking is demolished or converted for ADU construction, replacement parking is not required.
Is the Chula Vista ADU Loan Program open in 2026?
No. The city’s own Development Services Department ADU page states that the City of Chula Vista ADU Loan Program is not currently accepting new applications as of its June 2024 update. The CalHFA ADU Grant Program ($40,000 maximum) is also reported fully allocated. Most Chula Vista homeowners are financing ADUs through HELOCs, cash-out refinancing, renovation loans, or construction-to-permanent loans in 2026.
How much can I rent a Chula Vista ADU for?
In the two ZIPs with verified 2026 rent data, 1-bedroom ADUs and apartments rent for approximately $2,165 (91910) to $2,425 (91913), 2-bedrooms rent for approximately $2,745 (91910) to $2,985 (91913), and 3-bedrooms rent for approximately $3,330–$3,340 across both ZIPs. These are illustrative rent comps, not guarantees of returns.
Can I build a 1,200-sq-ft ADU in Chula Vista?
Yes. Chula Vista allows detached ADUs up to 1,200 sq ft. As of April 1, 2025, the city voted to repeal its local ADU ordinance and follow California state guidelines directly. Detached ADUs may be up to 16 feet tall in standard zones, up to 18 feet within a half mile of major transit stops or high-quality transit corridors. ADUs up to 800 sq ft are exempt from lot coverage requirements.
How long does it take to permit an ADU in Chula Vista?
City plan review is 14 business days for a City Standard plan and 21 business days for a nonstandard plan once the application is deemed complete. California Government Code §66317 sets a 15 business-day completeness window and a 60-day approve-or-deny window. Total project timeline from contract to certificate of occupancy is typically 6–12 months.
Are there hidden costs in a Chula Vista ADU quote?
Yes — the biggest surprises come from line items often excluded from headline builder prices: city permit fees ($3,951 standard), school fees (if ADU ≥750 sq ft), soils report (~$3,000–$6,000), sewer lateral verification or replacement (~$2,000–$15,000), electrical service upgrade (~$3,000–$8,000), water meter capacity charges (~$3,000–$10,000), solar/PV (required for new detached ADUs per California Title 24), energy compliance documentation, and landscape restoration. Print the 14-question builder decoder in this guide before signing any contract.
What is the cheapest safe path to an ADU in Chula Vista?
For homeowners willing to live in the main house, a JADU (≤500 sq ft interior conversion) is typically the lowest absolute cost at $80K–$160K. For homeowners with a sound existing garage, a garage conversion ADU runs $130K–$220K. For homeowners committed to a new detached unit, the 498-sq-ft City Standard plan lands around $300K and the 748- or 749-sq-ft City Standard plan lands around $340K — both with zero proportional DIFs and zero CVESD school fees.
Related Chula Vista guides
Chula Vista ADU Laws 2026
Zoning rules, setbacks, size limits, AB 1154 owner-occupancy update
Chula Vista ADU Permit Process 2026
Step-by-step application guide, fee timeline, soils waiver
Best ADU Builders in Chula Vista 2026
Builder shortlist by project type with the same fee data and vetting framework
San Diego ADU Cost 2026
City-by-city cost comparison across San Diego County
Chula Vista Pre-Approved ADU Plans
Complete guide to the 12 City Standard ADU plans
ADU Financing Paths
HELOC, cash-out refi, renovation loan, and HEI compared