Zoning › State preemptions › Indiana

Indiana HEA 1005 (2025) — RIF Loan Priority Conditioned on Pro-Housing Land-Use Policies (IN)

Tracked preemption from the Indiana overlay bundle.

Overview

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Effective
2025-07-01
Sunset
—
Authority
state
Scope
state:IN
Other Indiana preemptions
Indiana HB 1001 (2026) — Statewide Housing-and-Zoning Reform (Default By-Right with Annual Local Opt-Out)Indiana HEA 1210 (2025) — Strengthened STR Preemption / No Numeric Rental CapsIndiana Code 5-1.2-15.5 — Residential Housing Infrastructure Assistance Program (RHIAP / RIF, created by HEA 1005 of 2023)Indiana Code 32-31-1-20 — Rent Control & Mandatory Inclusionary Zoning PreemptionIndiana Code 36-1-24 — Short-Term Rental Preemption (Owner-Occupied as Permitted Residential Use)Indiana Code 13-19 — Environmental Management Generally / IFA Brownfields ProgramIndiana Code 13-18-22 — State Regulated Wetlands Permit (IDEM)Indiana Lake Michigan Coastal Program — NOAA-Networked Coastal Zone
Primary-source summary
**Last reviewed**: April 2026 **Activity level**: **Moderate** — Indiana applies broad Home Rule to municipalities and counties (IC 36-1-3), but the General Assembly retains plenary authority and has layered several narrow preemptions onto the IC 36-7-4 "600 Series" zoning enabling act. Active preemptions cover short-term rentals (IC 36-1-24, strengthened by HEA 1210 of 2025), manufactured housing (IC 36-7-4-1106 and IC 36-7-2-12), and rental-rate / inclusionary-zoning controls (IC 32-31-1-20). Recent sessions have favored **incentive-based** housing policy (HEA 1005 of 2023 and HEA 1005 of…

Trigger predicate

When this evaluates true for a parcel, the law's preempted fields take precedence over base zoning.

city.governance_type ∈ {city_first_class, city_second_class, city_third_class, town, county, consolidated_city}

Preempted fields

2 fields on the base district schema are rewritten when the trigger fires.

FieldOpValueNote
redevelopment.rif_loan_priority_eligibilitypermitfirst_priority_for_majority_pro_housing_adoptersIFA must give first-priority RIF loan consideration to political subdivisions that have adopted a majority of specified pro-housing land-use policies: (a) ADUs by right, (b) duplex/triplex/fourplex in single-family-residential districts, (c) manufactured/modular homes as-of-right, (d) adaptive-reuse allowance, (e) higher floor-area-ratio (FAR), (f) waived parking/setback/minimum-lot-size rules.
redevelopment.rif_biennial_appropriation_fy25_fy27cap_at25000000Biennial appropriation of $25,000,000 to RIF for FY2025–FY2027 (the program scope captured as a 'preempted field' for downstream underwriting visibility of funding ceiling).

Citation

Authority source
Indiana HEA 1005 of 2025 (signed by Gov. Mike Braun on May 1, 2025); amending Ind. Code § 5-1.2-15.5
§ Enrolled text: https://iga.in.gov/pdf-documents/124/2025/house/bills/HB1005/HB1005.05.ENRS.pdf
https://iga.in.gov/legislative/2025/bills/house/1005

Research notes

Incentive-not-mandate overlay. The state offers a financial carrot (first-priority access to IFA infrastructure loans) for cities that adopt a majority of the six pro-housing checklist items. Does NOT preempt local zoning; cities that decline simply lose priority for RIF dollars. The substantive use-class preemptions (duplex / ADU / mixed-use by-right) were enacted later in HB 1001 of 2026 on a default-by-right / annual-opt-out basis — see IN_HB1001_HOUSING_BY_RIGHT_2026. City attribute `rif_pro_housing_policies_adopted_count` (0–6) drives the priority determination.