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ADU Calculator
ADU Investment Calculator
Location-aware underwriting using 2026 Florida market tiers. Central Florida defaults to $1,600/mo — about $19,200 annual gross and an estimated $160,000 equity boost (monthly rent × 100).
Section 1 — Your Property and Build
Orlando, Winter Garden, Clermont, Kissimmee. ADU rent anchors to local 1-bedroom apartment averages plus a 10–15% privacy premium. Pick a specific area below for submarket detail.
Select a county to load jurisdiction-aware size caps in the calculator.
Slider follows ADU type limits; select a county for regulatory caps (1000 sq ft default guard until you do).
Includes design, permitting, construction, and inspection. Does not include land cost. Final cost confirmed after free site evaluation.
Section 2 — Financing
= $20,000
Loan amount: $80,000
Est. monthly loan payment: $644
Section 3 — Monthly expenses and assumptions
These are conservative estimates. Actual expenses vary. Review with a CPA before making financial decisions.
Estimated Monthly Rent
Conservative
$1,450
Market Rate
$1,600
Optimistic
$1,850
Based on Mid-metro / Central Florida market data for a 1-Bedroom ADU ($1,450 – $1,850/mo tier baseline).
Monthly Cash Flow
Annual and Investment Returns
Equity framework: monthly rent × 100 ($1,600 × 100 = $160,000). Actual equity gain varies by appraisal and market conditions.
10-Year Investment Outlook
10-year cumulative net income: $89,645
Estimated equity gain: $160,000
Combined 10-year return: $249,645
Rent estimates based on current market data from Apartments.com, Zillow, Zumper, and RentCafe for Central Florida (Q1 2026). ADU rents may differ from apartment complex averages. Estimates are not guaranteed.
All figures produced by this calculator are illustrative estimates only and are not guaranteed. Rental income estimates are based on current Central Florida market data and may not reflect actual achievable rents for your specific property, unit, or market conditions. Expense assumptions are conservative estimates - actual costs vary. Equity gain projections are not guaranteed and depend on appraisal, market conditions, and property-specific factors. This calculator does not constitute financial, investment, tax, or legal advice. PreFabricated.co strongly recommends consulting a licensed CPA, financial advisor, and real estate attorney before making any investment decision.
Want numbers specific to your property?
The calculator gives you a market-rate estimate. A free site evaluation gives you actual zoning, buildable area, and a real cost range for your specific lot.