Unincorporated San Mateo County, California requires a building permit before you erect, enlarge, alter, repair, move or demolish a building or structure12. The county also zones unincorporated land through its own Zoning Ordinance, separate from the zoning that cities like Half Moon Bay or San Mateo set inside their own limits34. Septic systems are permitted separately, by Environmental Health Services, and only about 16.3% of the county's soils have no severe limits for a conventional drain field56.
At a glance
- Building permit
- Required in unincorporated San Mateo County1
- Zoning
- Yes — a countywide Zoning Ordinance covers unincorporated land; cities zone separately3
- Septic permits
- Issued by San Mateo County Environmental Health Services5
- Owner-builder
- Allowed under state law with conditions; a permit and an owner-builder declaration are still required7
- Driveway / encroachment permit
- Required for a new or altered driveway in the county road right-of-way; $146–$7628
- Minimum home size
- One-family dwellings must be at least 18 feet wide; no county minimum floor area was confirmed9
- Wells
- A drilling permit from Environmental Health Services is required10
- RV living
- Not generally permanent; temporary occupancy during home construction is allowed in the Chapter 8.20 district11
Who to call
Building permits
San Mateo County Planning and Building Department – Building Division
Building permit applications, plan review and inspections in unincorporated San Mateo County
455 County Center, 2nd Floor, Redwood City, CA 94063
Zoning
San Mateo County Planning and Building Department – Planning Division
Zoning determinations, zoning-district information, rezoning and land-use review for unincorporated San Mateo County
455 County Center, 2nd Floor, Redwood City, CA 94063
Septic permits
San Mateo County Environmental Health Services
Septic (OWTS) permits, site evaluations, and water-well drilling permits for San Mateo County
Floodplain permits
San Mateo County Planning and Building Department – Floodplain Management
Floodplain development permits and Elevation Certificate review for unincorporated San Mateo County; reachable through the Planning Division at (650) 363-1825
Roads & driveways
San Mateo County Department of Public Works
Encroachment (driveway) permits for work within the county road right-of-way in unincorporated San Mateo County
Contact details are copied from each office’s official page and were checked against it on October 16, 2026.
Off-grid gear
Going off-grid in San Mateo County means bringing your own water and power. The kit we’d start with:
- Water Crystal Quest Filter any source — well, rain, or creek — to drinking-clean.
- Power Bluetti Solar generators and home battery backup for living off the grid.
- Septic Soil percolation test kit Run your own perc test before paying an engineer — the first thing a septic office asks about.
- Water Well water test kit Bacteria, nitrates, hardness — know what the well on a parcel is really pumping.
These are affiliate links — we may earn a commission, at no cost to you. As an Amazon Associate, Bolthole Index earns from qualifying purchases.
Do you need a building permit in San Mateo County, California?
Yes. Unincorporated San Mateo County requires a permit before a building or structure is erected, constructed, enlarged, altered, repaired, moved, improved, removed, converted or demolished12. This mirrors state law: California requires a separate permit for each building or structure from the local building official before work starts, and code requirements vary by city and county12. The county's own guidance points applicants to pages 12–18 of its Building Ordinance to check whether specific work is exempt213. California lets an owner build their own home without a contractor license under limited conditions — for example, a homeowner improving a principal residence must have lived there for the 12 months before completion, and cannot have used the exemption on more than two structures in a three-year period — but this only removes the licensing requirement, not the permit714. If a project also needs a planning permit, the planning permit must be obtained before you apply for the building permit, and Design Review, Coastal Zone, Resource Management, Planned Agriculture and hazard-overlay districts always require planning review first15. The county's rules apply to unincorporated land only. Inside Daly City, Redwood City and the Town of Hillsborough, the city issues its own building permits161718. Septic and well permits stay with County Environmental Health Services19. Farm buildings get one carve-out: an agricultural building (a non-residential structure for farm implements, hay, grain, livestock or greenhouses) is exempt from the automatic fire-sprinkler section of the county code, but not from building permits, and the local Fire District may still require sprinklers20.
Who is the San Mateo County building department, and how do you reach them?
The Planning and Building Department's Building Division reviews and inspects construction projects that require building permits in unincorporated San Mateo County, from an office at 455 County Center, 2nd Floor, Redwood City2113. Reach the building counter at (650) 599-7310 or buildingcounter@smcgov.org, and inspections at (650) 599-7311; the office is open Monday through Thursday, 8:00 am to 4:00 pm, closed for lunch from noon to 1:00 pm, and closed Friday through Sunday13. The county's Building Service Fee Schedule took effect April 1, 2026, and a separate Affordable Housing Impact Fee applies to residential projects: a single-family home adds up to 2,500 square feet at no impact-fee charge, while projects over 3,500 square feet of net new floor area pay the fee on the full total22. Zoning questions go to the Planning Division at (650) 363-1825, in the same building23.
Does San Mateo County have zoning?
Yes. The County Zoning Ordinance regulates growth and development across unincorporated San Mateo County, and the county's GIS layer labeled "Unincorporated SMC Zoning" shows a parcel's zoning district324. Cities zone their own land: Daly City, Redwood City, Hillsborough, Woodside, Brisbane and Colma each run their own zoning, so a buyer near a city line should confirm with that city's planning department4252627282930. A parcel can carry a base district plus overlays such as S (development standards), CD (coastal zone) or DR (design review), and must comply with each31. One-family dwellings must be at least 18 feet wide at the narrowest elevation; the replacement ordinance is not yet effective in the coastal zone while it is under Coastal Commission review9. We could not confirm a countywide minimum floor area, so ask the Planning Division23. In the Devonshire neighborhood's S-102 combining district, the code sets a 20,000-square-foot minimum building site, 20-foot front and rear setbacks, 10-foot side setbacks, 25% maximum site coverage and a 30-foot height limit; these are neighborhood-specific, not countywide32333435.
How do septic permits work in San Mateo County?
Septic systems are not handled by the building department — San Mateo County Environmental Health Services administers local oversight of onsite wastewater treatment systems (OWTS) under its Local Agency Management Program, and anyone installing an individual water supply or sewage disposal system needs a permit from Environmental Health first5193637. Inspection staff observe and approve the work whenever a system is installed, repaired, altered or destroyed38. Statewide, California's OWTS Policy lets counties run their own approved local program as long as it stays consistent with state standards, which is what San Mateo County does39. Soils matter here: only about 16.3% of San Mateo County's soils have no severe limitations for a conventional drain field, so most parcels will need Environmental Health's site evaluation before you can count on a standard system, and an alternative or engineered design is common6. A water-well drilling permit also comes from Environmental Health Services; it is non-transferable, authorizes only the recorded well driller, may first require a Coastal Development Permit or exemption determination from Planning and Building, and needs at least 2 full working days' notice before drilling begins10. Sewer connection is a separate track: inside a County-maintained Sewer District, a Sewer Inspection Permit, a sanitary sewer plan review or both may be required40. Where there is no municipal sewer, the county states plainly that a septic system is the only approved way to dispose of sewage and wastewater on your own property41.
Can you live in an RV or tiny home on your land in San Mateo County?
Permanent RV living is not generally allowed in California: RVs are intended for temporary occupancy and ordinarily may be occupied only in mobilehome parks or special occupancy parks unless a local ordinance provides otherwise42. San Mateo County's Chapter 8.20 district does provide a limited construction exception: a mobilehome, travel trailer or RV may serve as temporary living quarters on the same parcel while a permanent dwelling is built or reconstructed, without a planning permit, but it must be removed before the permanent home's Certificate of Occupancy is issued11. That exception is district-specific, so confirm the parcel's zoning with the Planning Division before moving an RV onto the land1123. A tiny home must qualify under an approved building or vehicle classification and be placed where that classification is allowed; otherwise it cannot legally be occupied43. San Mateo County's Farm Labor Housing Loan Program recognizes a tiny home as one possible housing unit, but only for participating rental projects serving eligible very-low-income farm laborers and their families; those projects still must meet Planning and Building, Environmental Health and permit requirements44. The county's RV sites at Coyote Point Recreation Area are camping, not residence: the 4 designated sites are open March 1 through October 31, require reservations, cap a visit at 7 days within any four-week period, and limit RVs to 36 feet4546.
Building a home in San Mateo County: the steps, in order
- Confirm the parcel is unincorporated and pull its zoning district(s) through the county's GIS zoning layer2324.
- If the site will use a well or septic, contact Environmental Health Services early for a site evaluation3736.
- If the parcel is in a FEMA flood zone other than Zone X, plan for an Elevation Certificate at plan check, at framing inspection, and before occupancy47.
- Submit the building permit application to the Building Division, filing an owner-builder declaration if you're not hiring a licensed contractor13714.
- Pay the Building Service Fee Schedule charges and, for larger homes, the Affordable Housing Impact Fee22.
- Complete plan review and pass the required inspections, ending with a Final Inspection before occupancy2113.
- If you're building or altering a driveway onto a county road, get an encroachment permit from the Department of Public Works488.
What to check before you buy land in San Mateo County
San Mateo County is expensive and densely settled: the typical home value is about $1,595,764, population density runs around 1,619 people per square mile, and the nearest city of 100,000 or more is roughly 11 miles from the county's center495051. Only 4.6% of the county is federal land, and 51.6% of the land is at 15% slope or less, so terrain deserves a parcel-level review5253. Just 16.3% of soils here have no severe limits for a conventional drain field, so check septic suitability before you fall for a parcel6. Ask the Floodplain Management team whether a parcel sits in a mapped flood zone, since anything but Zone X requires at least a foot of elevation above base flood5455. Planning to split a parcel? Unincorporated land divisions fall under the County Subdivision Regulations; a minor subdivision of up to 4 parcels is listed at roughly 6–8 months and about $14,60056. Planning to rent a coastal-zone home short-term? A permit is required, with a limit of 180 nights a year57. The county gets about 28.7 inches of rain a year, with severe drought in roughly 31.9% of years5859. Budget for an effective property tax rate near 0.6% and a median tax bill around $9,167 a year6061.
Watch-outs
- Unincorporated San Mateo County requires a one-family dwelling to be at least 18 feet wide, but we could not confirm a countywide minimum floor area; ask the Planning Division to review a compact-home design923.
- The Chapter 8.20 RV exception lasts only while a permanent home is being built or reconstructed on the same parcel, and the RV must leave before the home receives its Certificate of Occupancy11.
- Most San Mateo County soils are not well suited to a conventional septic drain field — get a site evaluation from Environmental Health Services before you count on standard septic637.
Sources
- Apply for a Permit (2026 county census)
- Apply for a Permit, quoted and re-checked
- San Mateo County | Zoning (2026 county census)
- Get Zoning Information, quoted and re-checked
- Land Use, Septic & Wells (2026 county census)
- Share of soils USDA rates "not limited" for a conventional septic drain field (SSURGO). A strict rating: the median county is about 6% and a tenth of counties are 0%, so a low figure means most lots need a site evaluation or an engineered system, not that septic is impossible. Cite it only with that caveat: Bolthole Index county data
- California Contractors State License Board - Owner-Builder Overview (2026 county census)
- Driveway Permit, quoted and re-checked
- Title 8 – Zoning & Development Code, quoted and re-checked
- Land Use, Septic & Wells, quoted and re-checked
- San Mateo County Zoning Regulations, quoted and re-checked
- Do I need a building permit for my project? (California statewide rule), quoted and re-checked
- San Mateo County Planning and Building Department – Building Division (smcgov.org)
- Owner-Builder Overview, quoted and re-checked
- Apply for a Permit, quoted and re-checked
- Daly City: Building Project Inspections (San Mateo County), quoted and re-checked
- Redwood City: City Code 9.30 Building permit required (moved buildings) (San Mateo County), quoted and re-checked
- Town of Hillsborough: Hillsborough Code 17.52.020 ADU general provisions (San Mateo County), quoted and re-checked
- Land Use, Septic & Wells, quoted and re-checked
- Title 10 – Building Regulations, quoted and re-checked
- Building, quoted and re-checked
- Building Permit Fees, quoted and re-checked
- San Mateo County Planning and Building Department – Planning Division (smcgov.org)
- San Mateo County | Zoning, quoted and re-checked
- Daly City: Zoning (San Mateo County), quoted and re-checked
- Redwood City: Zoning Code 6.1 Purpose (R-2) (San Mateo County), quoted and re-checked
- Town of Hillsborough: Hillsborough Code ch. 17.32 Residential structure size and lot coverage (San Mateo County), quoted and re-checked
- Town of Woodside: Woodside Municipal Code 153.107 Residential and commercial zoning districts: permitted, conditional, and accessory uses (San Mateo County), quoted and re-checked
- Brisbane: Brisbane Municipal Code §17.06.040 R-1 Development regulations (San Mateo County), quoted and re-checked
- Town of Colma: Colma Municipal Code Chapter 5.03 Zoning (San Mateo County), quoted and re-checked
- Get Zoning Information, quoted and re-checked
- Title 8 – Zoning & Development Code, quoted and re-checked
- Title 8 – Zoning & Development Code, quoted and re-checked
- Title 8 – Zoning & Development Code, quoted and re-checked
- Title 8 – Zoning & Development Code, quoted and re-checked
- Land Use, Septic & Wells, quoted and re-checked
- San Mateo County Environmental Health Services (smcgov.org)
- Land Use, Septic & Wells, quoted and re-checked
- Water Quality Control Policy for Siting, Design, Operation and Maintenance of Onsite Wastewater Treatment Systems (OWTS Policy) (California statewide rule), quoted and re-checked
- Building Permit Requirements, quoted and re-checked
- Land Use, Septic & Wells, quoted and re-checked
- hcd.ca.gov (California statewide rule), quoted and re-checked
- Information Bulletin 2016-01: Tiny Homes (California statewide rule), quoted and re-checked
- Farm Labor Housing Loan Program, quoted and re-checked
- Coyote Point RV Site Rules & Regulations, quoted and re-checked
- Coyote Point RV Site Rules & Regulations, quoted and re-checked
- Flood Elevation Certificate, quoted and re-checked
- San Mateo County Department of Public Works (smcgov.org)
- Typical home value (Zillow): Bolthole Index county data
- Population density: Bolthole Index county data
- Straight-line distance from the county center to the nearest city of 100,000+ people: Bolthole Index county data
- Federal land share: Bolthole Index county data
- Share of land at 15% slope or less: Bolthole Index county data
- San Mateo County Planning and Building Department – Floodplain Management (smcgov.org)
- Flood Elevation Certificate, quoted and re-checked
- San Mateo County Subdivision Regulations, quoted and re-checked
- Short Term Rental Permit (Coastal Zone), quoted and re-checked
- Annual precipitation: Bolthole Index county data
- Share of years in severe drought: Bolthole Index county data
- Effective property tax rate: Bolthole Index county data
- Median property tax bill: Bolthole Index county data
Written October 16, 2026 from the rules quoted below, each taken from an official source and re-checked by an independent reviewer. This is research, not legal advice: rules change, so confirm with the office before you buy or build.