A solid choice for building in Bluegrass. Minimal restrictions, low flood risk, and reasonable land prices.
📊65/100AcreScore
💰$15KLand $/acre
🏠$255KHome Value
👥57,004Population
📈+12%Growth (10yr)
🌊8%Flood RiskLow
🌡️Mixed HumidClimateZone 4A
🏗️ Can You Build Here?
Kentucky has no state building code — regulations are county-level. Scott County has no formal zoning ordinance, meaning most rural land can be used for residential construction including barndominiums without special permits beyond standard building codes.
Zone
Min Lot
Barndo OK?
Unzoned
None
✅ Yes
Scott County has no formal zoning ordinance. Standard building permits still required. Contact the county building department for specifics.
📋 What Permits Do You Need?
Most states allow owner-builders to act as their own general contractor for personal residences. Check Kentucky requirements — licensed subs are typically needed for electrical, plumbing, and HVAC.
Required Permits
• Building permit (residential)
• Septic permit (if no public sewer)
• Electrical permit
• Plumbing permit
Permit Office
Scott County Building Department
Georgetown, KY
Contact county clerk for current hours and requirements
🌊 What's the Flood & Soil Risk?
Moderate flood risk. 8% of county land is in FEMA flood zones. Most buildable parcels are outside hazard areas, but always verify your specific site.
8%
In Flood Zone
Good
Soil Drainage
Varies
Septic Viability
Source: FEMA National Flood Hazard Layer, USDA Web Soil Survey
💰 What Does It Cost?
Affordable land market. At roughly $15,000 per acre, Scott County offers good value for builders looking for rural acreage.
$15K
Median $/acre
$255K
Median Home Value
$120–200
Build Cost $/sqft
0.92%
Property Tax Rate
Source: U.S. Census Bureau ACS 2024, Scott County Assessor
🏔️ Why People Love Living Here
Scott County sits in the heart of Bluegrass. Lexington is 15 min away. Kentucky has a state income tax — factor that into your cost-of-living calculations.
📈
Fast Growing
12% growth over 10 years — people are moving here and property values reflect it.
🔨
Build Freedom
No formal zoning means you can build your barndominium, shop, or homestead without jumping through bureaucratic hoops.
At a Glance
Population57,004
10-Year Growth+12%
County SeatGeorgetown
State Income TaxYes
ClimateMixed Humid (Zone 4A)
How Close Is Everything?
Lexington15 min
LEX25 min
Austinvaries
💧 Utilities & Infrastructure
Most rural Scott County land uses well water and septic systems. Municipal utilities are available near Georgetown. Check with local utility providers for your specific parcel.
Electric ProviderLocal Co-op / TXU
WaterWell or Municipal
SewerSeptic (most rural)
InternetVaries by location
Cell CoverageGood
Natural GasPropane common in rural areas
🏦 Financing & Incentives
USDA Rural Development loans are generally not available in Scott County due to urban classification. FHA, VA, and conventional financing options are available.
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❓ Frequently Asked Questions
Can I build a barndominium in Scott County?
Yes. Scott County has no formal zoning ordinance. You'll still need standard building permits, but barndominiums are generally permitted on rural land. Check with the county building department for specific requirements.
How much does land cost in Scott County?
Median price is approximately $15,000 per acre, though prices vary by location, road access, and improvements.
Is Scott County eligible for USDA Rural Development loans?
Most of Scott County is not eligible for USDA Rural Development due to its urban/suburban classification. Check the USDA eligibility map for specific addresses.
What is the property tax rate in Scott County?
The effective property tax rate is approximately 0.92%. Check with the county assessor for the most current rates and any available homestead exemptions.
Do I need a licensed contractor to build in Scott County?
Most states allow owner-builders to act as their own general contractor for personal residences, though requirements vary by state and county. In Kentucky, check local building codes for specific licensing requirements. You'll typically need licensed professionals for electrical, plumbing, and HVAC work.