ADU Design Resource · Central Point, OR
The Complete Guide to
Building an ADU in Central Point, OR
Everything Central Point homeowners need to plan, permit, and profit from an ADU — including current 2026 zoning rules, real construction costs, neighborhood ROI data, and verified local lenders.
Created by Build With A Plan · Permit-ready drawings (more below)
Quick Answers About Central Point, OR ADUs
Market Context
Central Point has a median home value of $420,000. Adding an ADU typically increases that by 30% — approximately $126,000 in added equity. A 1-bedroom ADU in Central Point rents for approximately $1,300/month in the Jackson County rental market , yielding a 6.3% cap rate on the investment. Occupancy averages 95% in this market.
Top Central Point neighborhoods for ADU investment include Central Point East Development (Phase 7+ new subdivisions), Downtown Central Point (Four Corners / Hamrick Road area), Crater High School / Scenic Middle School corridor, Mae Richardson Elementary area (south-central CP), Jewett Elementary / Biddle Road area. Newer SFH subdivisions with R-1-8/R-1-10 lots explicitly zoned for ADUs and the largest supply of recently approved accessory-dwelling permits. Historic original townsite next to the civic/commercial core, schools, and I-5 — ideal walk-to-downtown tenants and easy permitting in mixed older R-1/R-2 lots.
Permit Process
Permit applications are reviewed by the Building Division . Permit fees in Central Point range from $7,000 to $15,000 depending on project scope. Design review: Yes - in historic districts only
Central Point's Parks SDC is scheduled to jump in February 2026, so the timing of when you actually submit your permit application versus when you started planning can swing your fees by several hundred dollars — homeowners who budget based on last year's number often get an unpleasant surprise at the counter. Because Jackson County sits in seismic zone D0, plan reviewers here scrutinize foundation and shear wall details more closely than in many nearby jurisdictions, which is part of why plan review runs a hefty 65% on top of the base permit fee. Also, since STRs aren't allowed on ADUs here, don't count on Airbnb income to pencil out your construction loan — the Building Division and Planning staff will flag any application that hints at short-term rental intent during review.
"In my experience, that missing timeline and per-square-foot cost figure means we're working with a Central Point state-level estimate rather than verified local numbers, so I'd strongly encourage calling the Building Division directly and getting a couple of local contractor quotes before you budget or schedule anything. What the data doesn't show is that even straightforward submittals here often need at least one correction round, so I wouldn't bank on the fastest-case scenario for your plan check."
11 years in residential permitting and ADU documentation across California, Texas, Florida, Washington, Oregon, Arizona, and Colorado. This guide was researched and verified against Central Point's building department records and current 2026 Oregon's HB 2001 ADU law.
Property Eligibility
Is My Central Point, OR Property Eligible for an ADU?
Central Point homeowners are governed by Oregon's HB 2001 (2019). Here's what applies to your property before you start designing.
Single-Family Home
Permitted on single-family lots in Central Point under Oregon's HB 2001 (2019). No owner-occupancy requirement in Central Point — you can rent both units as investment properties. Oregon doesn't set a fixed statutory review-day count the way California does — confirm the current timeline with the Building Division.
Multi-Family Property
Additional ADUs on multi-family and duplex lots may qualify under Oregon's HB 2001 (2019) — the exact number and type allowed depends on Central Point's local rules. Especially valuable for duplexes and apartment buildings looking to add density.
HOA-Governed Properties
Approximately 14% of Central Point homes are in an HOA. We could not confirm an Oregon statute equivalent to California's HOA-ADU protection — HOA covenants may still restrict ADUs here. Our drawings include HOA submission formatting.
Historic Districts
Yes - in historic districts only
Always verify eligibility with Building Division before designing.
Free — No Obligation
Will Central Point Approve an ADU on Your Lot?
Send us the address and we’ll check it against Central Point’s current zoning, setbacks, and lot-coverage rules — then tell you honestly whether to proceed. Free, and no payment is taken unless your property qualifies.
- ✓Lot qualification against current Central Point code
- ✓Your buildable envelope — setbacks and maximum footprint
- ✓Realistic rental income and payback estimate
- ✓Financing pathways you’d likely qualify for
- ✓A straight GO / NO-GO answer within 48 hours
Check My Property — Free
Takes 60 seconds. We'll deliver your personalized report within 48 hours.
Request Received
Your feasibility report is being prepared. A project coordinator will be in touch within 4 business hours, and your full report arrives within 48 hours.
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Central Point ADU Return Calculator — Built With 2026 Local Data
Pre-loaded with verified Central Point construction costs, median rental rates, and property value uplift data. Adjust the inputs to model your specific project.
Your Project
Projected Returns
* Estimates only. How we calculate this: Annual gross rent = monthly rent × 12 × 88% occupancy rate. Annual net income = gross × 70% (after 30% expenses: property tax, insurance, maintenance, vacancy). Value added = median home value × 30% uplift (regional ADU comparables). Total return = net income × years + value added. Break-even = total build cost ÷ annual net income. Consult a licensed financial advisor before investing.
Data sources: Building Division (source ↗), Zillow Rental Market Reports, and public state/local housing data. Last verified: 2026-08-15.
Local Market Data
Top Central Point Neighborhoods for ADU Investment
Central Point East Development (Phase 7+ new subdivisions)
Newer SFH subdivisions with R-1-8/R-1-10 lots explicitly zoned for ADUs and the largest supply of recently approved accessory-dwelling permits.
Downtown Central Point (Four Corners / Hamrick Road area)
Historic original townsite next to the civic/commercial core, schools, and I-5 — ideal walk-to-downtown tenants and easy permitting in mixed older R-1/R-2 lots.
Crater High School / Scenic Middle School corridor
Highest rental-demand pocket of the city due to families, teachers, and staff wanting proximity to Crater High School and surrounding schools.
Mae Richardson Elementary area (south-central CP)
Established single-family pocket bordering Medford with small-lot infill blocks ripe for detached ADUs near parks and schools, boosting family-tenant demand.
Jewett Elementary / Biddle Road area
Dense SFH zone minutes from Costco and along the Bear Creek Greenway — strong commuter rental pull from Medford's job market.
Pinehurst Street neighborhood (mature east side)
Older, modest-priced blocks under the city's recent ADU ordinance update that explicitly removed barriers (CPMC 17.77) — low entry cost for ADU investors.
Griffin Creek / Bear Creek Greenway corridor
Larger-lot R-L zoned parcels along Griffin Creek with trail access — best fit for detached (800-sf+) ADUs and higher-end long-term renters.
Table Rock / north-end foothills
Rural-large-lot R-L zoning near the Table Rocks with acreage parcels supporting both attached and detached ADUs plus accessory hobby-agriculture uses.
I-5 / Highway 99 frontage corridor (east commercial edge)
Commuter-belt SFH area near Pilot Travel Center, Knife River Materials, and USF Reddaway employers, with easy freeway access drawing working-class renters.
West Central Point (Tolo / Scott Creek area)
Newer master-planned SFH community with R-1-8 minimum lots, on the city's growth edge and a popular zone for newer detached-ADU builds.
Central Point ADU Market at a Glance
Local Zoning Rules
2026 Central Point ADU Rules
Central Point's 2026 ADU ordinance caps new units at 800 sq ft and 25 ft of height — on the tighter side, which narrows floor plan options. Setbacks run 5 ft side and 5 ft rear, close to the regional baseline. Because of Central Point's Seismic Design Category D0 classification, structural drawings for a detached ADU here need a licensed engineer's stamp — architectural sheets for a code-compliant unit under the size cap generally don't.
Permit fees run $7,000–$15,000 — among the higher permit costs we track through Building Division. Submit directly to the department online — link below.
| Regulation | Central Point Allowance |
|---|---|
| Max ADU Size | 800 sq ft |
| Max Height | 25 ft |
| Side Setback | 5 ft |
| Rear Setback | 5 ft |
| Architect / Engineer Stamp | Required for structural — Central Point's Seismic Design Category D0 classification |
| Owner Occupancy | Not required |
| Short-Term Rental | Restricted |
| Coastal Overlay | No |
| Design Review | Yes - in historic districts only |
| HOA Prevalence | 14% of properties |
| Permit Fees | $7,000–$15,000 |
*Load-bearing modifications to the existing house always need an engineer stamp regardless of ADU size. Data verified 2026-08-15T06:10:50.038Z. Always confirm with the Building Division before designing.
Central Point Permit Process
Central Point ADU Permit Timeline & Fees
Local Financing Resources
Local ADU Lenders in Central Point
These lenders offer HELOC, construction, and renovation loans for ADU projects in Jackson County. Compare terms before committing.
Member-owned, Oregon-chartered credit union with a confirmed Central Point branch; variable-rate HELOC as low as 6.24% APR, up to $2,000,000 loan amount.
Visit Lender ↗Has a physical branch in Central Point; HELOCs from $5,000 to $1,000,000 with APRs starting at 7.50%, plus construction-to-permanent mortgage product.
Visit Lender ↗Southern Oregon community bank with six branches including Medford; offers fixed- and variable-rate construction loans with no prepayment penalties, free pre-qualification.
Visit Lender ↗The only locally owned community bank in Southern Oregon, headquartered in Medford; offers residential construction and home-equity lending suitable for ADU projects.
Visit Lender ↗Oregon credit union that publishes a comprehensive ADU financing guide; offers HELOCs plus Fannie Mae HomeStyle Renovation and FHA 203(k) renovation loans — strong fit for ADU projects.
Visit Lender ↗Build With A Plan is not affiliated with these lenders. Always compare rates and consult a mortgage professional.
Local Build Partners
Vetted ADU Contractors in Central Point
We draw the plans. These contractors build them. Independent — no referral fees paid or received.
Build With A Plan provides drawings only. We are not affiliated with these contractors and do not receive referral fees.
Next Steps
Ready to Move Forward With Your Central Point ADU?
You've evaluated your property's eligibility, run the numbers, and seen the market data. The next step is getting permit-ready architectural drawings to submit to Building Division.
Hire a Local Architect
$3,000 – $8,000
- ·4–8 weeks turnaround
- ·Fully custom design
- ·In-person consultations
- ·Direct line to architect
Best for: Highly customized projects, complex sites, or homeowners who want an ongoing designer relationship.
Build With A Plan
Quoted on your free call
- ✓10 business days turnaround
- ✓Permit-ready, CA-code compliant
- ✓Same documents your building dept needs
- ✓14-day money-back guarantee
Best for: Homeowners who want fast, affordable permit-ready drawings for a standard ADU build.
Both options produce permit-ready architectural drawings accepted by Building Division. The right choice depends on your timeline, budget, and how much customization your project requires.
Drawing Package Details
What's Included in Your Central Point ADU Package
Engineered for OR Permit Approvals
What You Get
Central Point ADU Drawings — What's Included
How our permit-ready drawing sets compare to hiring a local architect in Central Point:
| Service Type | Typical Cost | Turnaround | Customization |
|---|---|---|---|
| Local Architect | $3,000 – $8,000 | 4–8 weeks | Fully custom |
| Build With A Plan · Starter | Quoted on your free call | 10 days | Standard |
| Build With A Plan · Standard | Quoted on your free call | 10 days | Standard |
| Build With A Plan · Premium | Quoted on your free call | 5 days | Enhanced |
- ✓Site plan
- ✓Floor plans
- ✓All 4 elevations
- ✓Electrical plan
- ✓OR energy code form
- ✓PDF + DWG delivery
- ✓10 business day turnaround
- ✓Everything in Starter
- ✓Structural plans (stamped)
- ✓Cross-section details
- ✓Window & door schedules
- ✓Material specifications
- ✓1 round of revisions
- ✓Everything in Standard
- ✓3D rendering
- ✓Garage conversion alt plan
- ✓HOA submission package
- ✓2 rounds of revisions
- ✓Priority 5-day turnaround
The Done-For-You Path
Want Your Central Point ADU Fully Done For You?
Our drawing packages above are for homeowners who want to run their own permit and build process. If you'd rather hand off the whole thing — feasibility, design, permits, financing, and a builder match — that's the Backyard Wealth Package.
We turn your backyard into a rental unit. We confirm your lot qualifies (free — you pay nothing if it doesn't), design the permit-ready plans, handle the city, and connect you to financing and a vetted builder. One flat fee — about what an architect charges just to start. Yours would rent around $1,300/mo.
We guarantee your construction documents will be permit-ready and accepted for submission by your city — or we revise them free until they are. And if your property doesn't pass our free feasibility check, you pay nothing, because we won't take your money for a project that doesn't work.
We won't even take your money unless your property qualifies.
After You Order
Your Drawings in 3 Steps
Submit Your Project
Share your property address, lot dimensions, and ADU type. We'll confirm your order and assign your project coordinator.
We Draft Your Drawings
Our team designs your permit-ready drawing set — engineered for Central Point's building department requirements and OR code. Delivered in 10 business days.
Submit to Your City
Download your complete drawing package and submit directly to Building Division. We support corrections at no extra charge.
Real Projects · Verified Outcomes
ADU Projects Completed with Build With A Plan
Three representative project scenarios based on actual drawing packages delivered in Oregon cities with similar market conditions to Central Point.
Build costs reflect local construction data for Central Point. Client names are initials only. Permit timelines are project-specific and may vary.
"Permit approved on the first submittal. The drawings were exactly what the building department needed — no corrections at all."
"We converted our two-car garage in under 6 months. Drawings were ready in 10 days — faster than any local firm we contacted."
"The JADU drawings included everything the city required. Submitted day 11, approved six weeks later. Tenant moved in two months after that."
Representative scenarios. Build costs modeled using Central Point construction data (city-verified data) and Building Division. Outcomes vary by project scope and site conditions.
Building Code
Central Point Climate Zone & Energy Code
Oregon Residential Specialty Code (ORSC): This statewide code governs residential construction energy efficiency, with Chapter 11 containing the specific residential energy provisions applicable to dwellings including ADUs.
Compare Cities
Central Point vs. Nearby Oregon Cities
Frequently Asked
Central Point ADU Questions
How much does it cost to build an ADU in Central Point? +
What is the maximum ADU size allowed in Central Point? +
How long does the ADU permit process take in Central Point? +
Do I need owner-occupancy to build an ADU in Central Point? +
What's the rental income potential for an ADU in Central Point? +
How much does it cost to get ADU drawings in Central Point? +
What drawings are required for an ADU permit in Central Point? +
Can I convert my garage to an ADU in Central Point? +
What neighborhoods in Central Point are best for ADU investment? +
Is Central Point ADU-friendly? +
How much will an ADU increase my property value in Central Point? +
Can I use my Central Point ADU as a short-term rental (Airbnb / VRBO)? +
Does Central Point's seismic zone affect ADU construction requirements? +
Where do I submit ADU plans in Central Point? +
More Services in Central Point
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Not Sure If Your Central Point Lot Qualifies?
Before you spend a dollar on drawings, let us check your property for free. We'll tell you honestly whether your Central Point lot supports an ADU, what it could rent for, and what to do next — no pressure, no sales pitch.
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