CA License #1119373Future Generation
Detached ADU on a rural large-lot property in Loomis, Placer County, California.
Loomis ADU Builder

Backyard homes that respect
how Loomis actually builds.

Design, the Town's planning review, Placer County building permits, septic and well coordination, and the full build — one Sacramento crew that already knows the acre lots off Horseshoe Bar and King Road.

  • 30+ Years Experience
  • Licensed & Insured
  • 100+ 5-Star Reviews
ADU Estimator

Estimate Your ADU Project

ADU Type

Size — 400 sq ft

Estimated Cost

$134,000

Rental Income

$2,000/mo

Payback Period

6.3 yrs

Fast. Free. No obligation.

Trusted by homeowners across Sacramento & surrounding areas.

ADUs in Loomis — fast facts

CountyPlacer County
RegionSacramento Area
ADU types we buildDetached, Attached, Garage Conversion, Custom
Contractor licenseCSLB #1119373
Free estimate(916) 677-9774

Last updated

Loomis builds nothing like its neighbors

Acre lots and the "Keep Loomis Loomis" rule

Drive ten minutes from a Rocklin tract and you're in a different world: Loomis is horse property, old fruit ranches, and one-acre to five-acre parcels in a town that fought to stay rural — "Keep Loomis Loomis" is on the bumper stickers. Most lots run a private well and septic, not a city meter and sewer, and that one fact reorders a project before anybody picks a floor plan. So our PM walks the dirt first and free, mapping the septic tank and leach field, the well, the panel, and the grade as the ground rolls toward the foothills, then draws the layout to your real parcel instead of a stock catalog plan. A unit off Barton Road is nothing like one threaded onto a wooded lot near Horseshoe Bar — but space is the last thing you run out of here.

Rural Loomis property with room for a detached ADU on a large lot.
  • Free on-site walk before a single thing gets signed
  • Septic field, well, panel and grade mapped up front
  • Layout drawn to your real parcel, not a stock catalog plan
The part nobody warns you about

Two desks approve a Loomis ADU, not one

Here's the Loomis-specific catch: the Town is incorporated with its own Planning Department, but it's small, so it contracts building plan check and inspections out to Placer County. Your ADU therefore crosses two desks — the Town of Loomis handles planning, zoning, setbacks and design, while Placer County's building division checks structural, energy and life-safety. Two queues, two sets of comments. People assume "small town" means fast; it usually means the opposite if you don't know the handoff. We run it constantly, so we package the Town planning submittal and the County building set to move in parallel instead of stacking, with one person answering corrections from both. State ADU law made the building permit ministerial — a clean set gets approved rather than sent to a hearing where a neighbor argues — but ministerial isn't instant, and it never erases the Town's planning review.

Attached ADU addition under construction on a Loomis residential property.
  • Town of Loomis planning packet and Placer County building set run together
  • One point of contact answering corrections from both offices
  • Ministerial ADU approval used correctly — no avoidable hearing
Septic, wells, and PCWA

The leach field sets your Loomis budget

On a big share of Loomis lots the most expensive question isn't the unit — it's the septic, because your tank and leach field were sized for the main house's bedroom count, and adding an ADU's bedrooms and fixtures gives Placer County Environmental Health a say. Sometimes it passes as-is in a week; other times the field needs enlarging, or a fresh perc test, or worst case a whole new field — $14K to $32K that none of the per-square-foot internet calculators admit exists. Water splits the same way: parts of Loomis carry PCWA service and the South Placer sewer pockets near downtown are simpler, but plenty of rural lots run a private well, where the question is capacity, not a meter fee — can the well, pump and pressure tank carry a second household. We confirm both before design locks, so the real number lives in your fixed proposal.

Septic and utility coordination on a rural Loomis lot for a new ADU.
  • Septic capacity reviewed through Placer Environmental Health before design
  • Well capacity or PCWA connection confirmed on the first walk
  • Leach-field upgrade priced into the fixed proposal, never sprung mid-build
Real Loomis numbers

What a 95650 ADU actually costs to build

The internet says $200 to $400 a foot, and for a 95650 lot that range is close to useless. In Loomis a 612 sq ft one-bedroom detached with mid-grade finishes runs about $258K to $315K all-in for 2025–2026 — a touch over the flatland tracts because of septic and well work, the long equipment haul down a gravel drive, and occasional rock in the footings; a 1,150 sq ft two-bed with the finishes owners here want lands closer to $410K to $498K, and the biggest swing after square footage is whether your leach field can take a second dwelling. The income holds up: a one-bedroom on a Loomis property rents around $2,000 to $2,500 a month and a two-bedroom pushes $2,650 to $3,200, with the Loomis Union school reputation keeping demand steady. Every prospect gets a fixed-price proposal after the free walk — a change order only lands if you upgrade a finish, never because we missed the septic, the well, or the rock.

Finished detached ADU exterior on a Loomis rural-residential lot.
  • 612 sq ft detached one-bed: roughly $258K–$315K all-in (2025–2026)
  • Loomis one-bed ADU rents around $2,000–$2,500/mo
  • Fixed-price contract — itemized scope, financing if you want it
Build Smart. Invest Wise.

Build Your ADU.
Your Investment,
Your Future.

From design to move-in, we handle everything. Transparent pricing, on-time delivery, and uncompromising quality.

Custom Designs

Tailored to you

Built to Last

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Full-Service

From start to finish

30+

Years of Experience

120+

ADU Projects Completed

100+

Happy Homeowners

Completed ADU built by Future Generation in Sacramento

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Trusted by homeowners across Sacramento & surrounding areas.

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Your Live Estimate

Detached ADU800 sq ftStandard

Estimated Construction Cost

$189,000

≈ $236/sq ft · all-in, turnkey

Est. Rental Income$2,800/mo
Annual Income$33,600/yr
Build Timeline5–7 months
Payback Period6.3 yrs

15.8% annual ROI

Based on local rents & your selections

Estimate for planning only. Final pricing depends on site conditions, lot, and city fees. Get an exact quote from our team — free.

Hi there!

I'm Tim, your ADU specialist.

I'll help you build smart and maximize your investment.

Tim, ADU specialist at Future Generation

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We design and build high-quality ADUs that increase property value and generate real income.

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Tim, ADU specialist

“Every ADU we build is designed to add long-term value and open new possibilities for your property. Let's build something great together.”

— Tim, ADU Specialist

Custom Designs

Built to fit your property & needs

Turnkey Process

We handle permits, plans & everything

Built to Last

Quality craftsmanship that stands the test

Financing Made Simple

$0 Down Options. Build Now, Pay Over Time.

You shouldn't have to drain your savings to build wealth. We partner with trusted ADU lenders to find financing that fits — many homeowners build with little to nothing out of pocket.

Home Equity (HELOC)

Tap your existing equity at competitive rates — the most popular way to fund an ADU.

Renovation Loans

Finance the build against your home's projected after-completion value.

ADU-Specific Financing

Specialized lenders who underwrite based on the rental income your ADU will produce.

Cash-Out Refinance

Roll the project into a new mortgage and keep one simple monthly payment.

Estimate Your Monthly Payment

See what financing your ADU could look like — and how rental income can help cover it.

$180,000Loan amount

Credit Score

Very good · 700–739

Estimated Monthly Payment

$1,320/mo

At 7.99% APR over 30 years (illustrative)

  • Often offset by $2,000–$3,500/mo in rental income
  • No prepayment penalties with most partners
  • Pre-qualification with no impact to your credit

Illustrative only — not a loan offer. Actual rates and terms are set by third-party lenders based on your qualifications.

Frequently asked

Questions, answered

The most common things Sacramento homeowners ask before starting an ADU project.

  • Both, and that surprises people. Loomis is an incorporated town with its own Planning Department, so planning, zoning, setbacks and design review run through the Town of Loomis. But the Town contracts its building plan check and inspections to Placer County, so the structural, Title-24 energy and life-safety side is reviewed by the County's building division. Two offices, two queues. We package the Town planning submittal and the County building set so they move in parallel, and we answer corrections from both.
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(916) 677-9774
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  • Local Sacramento Team
Tim, ADU specialist at Future Generation

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Carrie Z
I had two bathrooms completely remodeled, two windows replaced and some siding. Everything stayed on track as planned and I absolutely love the end product. The communication was great.
Carrie Z · Google Review
8 min read1,720 words7 sections

Building an ADU in Loomis: what a local contractor knows about rural lots, two-desk permits, and Placer County septic

Loomis doesn't build like the tract suburbs a few exits south. Acre-plus lots, horse property, private wells and septic on most parcels, a town that guards its rural character, and a permit split between the Town's planning desk and Placer County's building division — all of it shapes what gets built here and what it costs. We're a Sacramento design-build crew that's spent years on these lots and this two-office handoff. Here's the straight version, septic and all.

01Section

Why Loomis owners build backyard units

The reason people build here is a little different from Roseville or Elk Grove. Loomis is a place folks move to on purpose and don't leave — the rural feel, room to keep a horse, the Loomis Union school reputation, the short hop to Auburn. So when a parent needs to be closer, or an adult kid can't crack a market where land like this trades high, selling and moving away isn't the answer. A real second home in the backyard is. We field those calls steadily.

The land is what makes it work in a way the flatland tracts can't. One-acre, two-acre, five-acre parcels mean space is almost never the constraint. A detached 600 or 1,100 sq ft unit drops in without crowding the main house or the property line. You're not fighting a 6,000 sq ft pad where the ADU swallows the whole yard. That room is the biggest advantage of building in Loomis, and it's why a freestanding unit, not a cramped garage conversion, is usually the right call. And the law finally cleared the runway: California's ADU statutes made the building permit ministerial, so a compliant set has to be approved rather than sent to a hearing where a neighbor could fight it. The demand was always here — the state just stopped letting process kill it.