What are San Francisco's specific SB-9 regulations?

Sarah Martinez
October 22, 2025 at 05:38 AM
SB-9 (Lot Splits) San Francisco, CA
Hello everyone,

I'm a homeowner in San Francisco, and I've been reading up on SB-9 regulations regarding lot splits, but I could really use some expert insights to clarify a few points. I own a 4,800 square foot lot in the Sunset District and am considering splitting it to build an additional unit, but I'm concerned about the intricacies of the law and how it affects my situation.

From what I've gathered, SB-9 allows for the splitting of single-family lots to facilitate the construction of up to four units, but I'm unclear about how this applies specifically in San Francisco. For instance, are there particular zoning constraints or additional local regulations that I need to be aware of? Also, I’m working with a budget of around $300,000 for the new construction—does this seem feasible given the current costs and requirements?

Additionally, I'm curious about the impact on property taxes and any potential changes in utility planning. Are there notable considerations when it comes to splitting utility lines or managing increased usage? Lastly, I’d love to hear about anyone’s experience with the approval process—is it as straightforward as it seems, or are there frequent hurdles?

I appreciate any guidance or personal experiences you can share. Thanks in advance for helping a somewhat overwhelmed homeowner navigate this!

1 Answer

Ruben
October 22, 2025 at 12:35 AM
Hello there,

Navigating the intricacies of SB-9, especially in a city like San Francisco, can be quite the endeavor. I'll do my best to break down the key points for you and provide a comprehensive overview of what to expect as you consider splitting your lot and building an additional unit in the Sunset District.

### Understanding SB-9 in San Francisco

SB-9 is a California state law aimed at increasing housing density by allowing property owners to split a single-family lot into two and construct up to two units on each lot. However, local jurisdictions, including San Francisco, can impose additional regulations as long as they don’t conflict with the state law's intent.

#### Zoning Constraints and Local Regulations

1. **Zoning Considerations**: In San Francisco, most residential lots fall under RH-1 and RH-2 zoning. SB-9 overrides local zoning to some extent, but there are still constraints. For instance, your lot must be within an urbanized area and cannot be in a historic district. San Francisco has specific maps and resources to help identify eligible lots.

2. **Minimum Lot Size**: Under SB-9, each split lot must be at least 1,200 square feet. Your 4,800 square foot lot provides ample space for this, assuming no other local constraints are violated.

3. **Owner Occupancy**: SB-9 requires that one of the lots post-split must have an owner-occupied unit for a minimum of three years from the date of approval.

4. **Design Standards**: San Francisco has additional design review requirements to ensure new constructions align with neighborhood aesthetics, which may influence your design and budget.

### Budget Considerations

Given your budget of around $300,000, here's what you should consider:

1. **Construction Costs**: In San Francisco, construction costs can range from $250 to $400 per square foot depending on the complexity, materials, and contractor. This means for a modest 800 sq. ft. unit, you might expect $200,000 to $320,000. It’s crucial to work with a contractor familiar with local pricing.

2. **Additional Expenses**: Don’t forget soft costs like permits, design fees, survey costs, and potential impact fees, which can add another 15-20% to your total budget.

3. **Feasibility Study**: It’s often beneficial to conduct a feasibility study upfront (around $5,000) to ensure your project is viable under both SB-9 and local regulations.

### Utility Planning and Property Taxes

1. **Utility Considerations**: Splitting a lot often necessitates new utility connections. In San Francisco, this can involve significant coordination with PG&E and SFPUC. Costs for utility hookups can range from $10,000 to $25,000 per unit, depending on proximity to existing lines.

2. **Property Taxes**: Any new construction will likely increase your property taxes, as the new unit will be assessed at current market value. Consulting with a local property tax advisor can provide specific insights.

### Approval Process and Timeline

1. **Application Process**: Begin with a pre-application meeting with San Francisco’s Planning Department. They can provide guidance specific to your property and ensure you meet all requirements before submission.

2. **Timeline**: The approval process can take 3-6 months, depending on the complexity and any neighborhood opposition. The construction phase can add another 12-18 months.

3. **Potential Hurdles**: Common issues include neighborhood opposition, environmental reviews, and historic preservation concerns. Engaging with a local architect or planner familiar with these processes can mitigate many of these challenges.

### Tips and Next Steps

1. **Engage a Local Architect**: Find a professional with experience in SB-9 developments in San Francisco. They can help navigate design reviews and community outreach, which are critical in San Francisco.

2. **Community Involvement**: Early and transparent communication with neighbors can preempt resistance and speed up the approval process.

3. **Permitting and Compliance**: Stay updated on both state and local regulatory changes. San Francisco often updates its ordinances in response to state laws.

4. **Resources**: Visit the San Francisco Planning Department’s website for guides and contact information for local ADU specialists. They offer workshops and resources specific to SB-9 projects.

In conclusion, while SB-9 offers exciting opportunities for increasing housing density, the process is not without its challenges. By carefully planning, budgeting, and seeking the right professional guidance, you can successfully navigate the complexities of developing additional units on your property. Good luck with your project, and feel free to reach out with further questions!

Warm regards,

[Your Name]
ADU Consultant & San Francisco Specialist
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Types of ADUs in San Francisco, CA

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Detached ADU

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ADU Type Size Range Cost Range Timeline Best For
Garage Conversion 400-800 sq ft $80K - $150K 3-6 months Budget-conscious homeowners
JADU Up to 500 sq ft $50K - $100K 2-4 months Family use, minimal disruption
Attached ADU 600-1,000 sq ft $120K - $200K 4-8 months Shared utilities, family proximity
Detached ADU 600-1,200 sq ft $150K - $300K 6-12 months Maximum rental income
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Cost Factors to Consider
  • Site Preparation: $5K - $25K
  • Permits & Fees: $3K - $15K
  • Utility Connections: $5K - $20K
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Potential ROI
  • Rental Income: $1,500 - $4,000/month
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Types of ADUs in San Francisco, CA

Understanding the different types of Accessory Dwelling Units available in San Francisco, CA can help you choose the best option for your property and budget.

Detached ADU

A standalone structure separate from the main house. Offers maximum privacy and flexibility.

  • Maximum privacy
  • Flexible design options
  • Higher rental income potential
Garage Conversion

Converting an existing garage into a living space. Most cost-effective option.

  • Lower construction costs
  • Faster permitting process
  • Existing utilities nearby
Attached ADU

An addition to the existing house with separate entrance. Balances cost and privacy.

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ADU Cost Guide for San Francisco, CA

Understanding ADU costs helps you budget effectively and make informed decisions about your project in San Francisco, CA.

ADU Type Size Range Cost Range Cost per Sq Ft Timeline
Garage Conversion 400-800 sq ft $80,000 - $150,000 $200 - $250 3-6 months
Attached ADU 500-1,200 sq ft $150,000 - $300,000 $250 - $350 6-9 months
Detached ADU 600-1,200 sq ft $200,000 - $400,000 $300 - $450 8-12 months
Prefab ADU 400-1,000 sq ft $120,000 - $250,000 $250 - $350 4-8 months
JADU (Junior ADU) Up to 500 sq ft $50,000 - $120,000 $150 - $300 2-4 months
Cost Factors to Consider:
  • Site preparation and utilities
  • Permits and plan review fees
  • Foundation and structural work
  • Finishes and appliances
  • Landscaping and driveway
Ways to Save Money:
  • Choose garage conversion over new build
  • Use prefab or modular construction
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Complete Guide to SB-9 (Lot Splits) ADUs in San Francisco, CA

Understanding SB-9 (Lot Splits) for ADU Projects

ADU development in San Francisco, CA involves numerous considerations specific to sb-9 (lot splits). Understanding local requirements, best practices, and potential challenges helps ensure project success.

Each ADU project is unique, with specific circumstances that influence design, permitting, and construction decisions. Professional guidance helps navigate these complexities and achieve optimal outcomes.

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SB-9 (Lot Splits) Requirements in San Francisco, CA

Local regulations in San Francisco, CA have specific requirements that affect ADU development. Understanding these local nuances is crucial for project success and compliance.

San Francisco has 14 ADU-related questions in our database, indicating active development interest in your area. This local activity suggests growing expertise among contractors, architects, and city officials familiar with ADU projects.

Common considerations for San Francisco include local architectural standards, historical district requirements if applicable, utility connection procedures, and neighborhood-specific zoning overlays that may affect your project.

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ADU Development Checklist for San Francisco, CA

Use this comprehensive checklist to ensure you don't miss important steps in your ADU development process.

Planning Phase
  • Define project goals and budget
  • Research local zoning requirements
  • Evaluate site conditions and constraints
  • Consult with ADU experts
  • Develop preliminary design concepts
Pre-Construction
  • Finalize architectural plans
  • Submit permit applications
  • Select qualified contractors
  • Secure financing if needed
  • Schedule utility connections
Construction Phase
  • Site preparation and excavation
  • Foundation and framing work
  • Rough-in electrical and plumbing
  • Insulation and drywall installation
  • Interior and exterior finishes
Completion
  • Final inspections and approvals
  • Certificate of occupancy
  • Utility meter installation
  • Final walkthrough and cleanup
  • Property insurance updates
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SB-9 (Lot Splits) San Francisco ADU Planning Permits
San Francisco, CA

This question is specific to San Francisco, CA

Local regulations may vary by jurisdiction. Always verify with your local planning department.