AcreScore β€” What's this?
72/ 100

Bedford County, TN

Walking Horse Capital of the World. Rolling pastures, small-town charm, and affordable acreage in the heart of Middle Tennessee.

πŸ“Š72/100AcreScore
πŸ’°$13KLand $/acre
🏠$265KHome Value
πŸ‘₯50,510Population
πŸ“ˆ+7.8%Growth (10yr)
🌊7%Flood RiskLow
🌑️Mild Four-SeasonClimateZone 4A

πŸ—οΈ Can You Build Here?

Yes β€” Bedford County allows barndominiums in agricultural zones with minimal restrictions. The county has relaxed rural zoning that favors owner-builders.

ZoneMin LotBarndo OK?
A-1 (Agricultural)3 acresβœ… Yes
R-1 (Rural Residential)1 acreβœ… Yes
R-2 (Suburban Residential)20,000 sqft⚠️ Conditional

Source: Bedford County Zoning Ordinance

πŸ“‹ What Permits Do You Need?

Tennessee allows owner-builders to act as their own general contractor for personal residences. Licensed subs needed for electrical, plumbing, and HVAC.

Required Permits

  • β€’ Building permit
  • β€’ Septic permit (rural areas)
  • β€’ Electrical permit
  • β€’ Plumbing permit
  • β€’ Driveway permit

Permit Office

Bedford County Building & Codes 100 Public Square, Shelbyville, TN 37160 (931) 684-7944 Mon–Fri 8:00 AM – 4:00 PM

🌊 What's the Flood & Soil Risk?

Low flood risk overall. About 7% of land sits in FEMA flood zones, mainly along the Duck River. Most parcels on higher ground are flood-free.

7%
In Flood Zone
Good
Soil Drainage
Good
Septic Viability

Source: FEMA National Flood Hazard Layer, USDA Web Soil Survey

πŸ’° What Does It Cost?

Bedford County delivers strong value β€” land runs about $12,500/acre, well below neighboring Rutherford County. Shelbyville is growing but still affordable.

$13K
Median $/acre
$265K
Median Home Value
$130–195
Build Cost $/sqft
0.58%
Property Tax Rate

Source: U.S. Census Bureau ACS 2024, Bedford County Assessor

πŸ”οΈ Why People Love Living Here

Bedford County is horse country meets Southern hospitality. The Tennessee Walking Horse celebration draws visitors worldwide, while everyday life moves at a gentler pace.

🐴

Walking Horse Capital

Home of the Tennessee Walking Horse National Celebration. Equestrian culture runs deep here.

🌾

Rolling Pastureland

Beautiful Middle Tennessee farmland with gentle hills, perfect for homesteading or hobby farms.

πŸ“ˆ

Growing Fast

Nearly 8% growth as Nashville's affordability pushes buyers south. Get in early.

At a Glance

Population50,510
10-Year Growth+7.8%
County SeatShelbyville
State Income TaxNone
ClimateMild four-season (Zone 4A)

How Close Is Everything?

Nashville1 hr
Murfreesboro30 min
Tullahoma25 min
Chattanooga1.5 hr
Nashville Airport55 min

πŸ’§ Utilities & Infrastructure

Shelbyville has full municipal services. Rural areas use wells and septic. Duck River Electric covers most of the county with reliable power.

Electric ProviderDuck River Electric / TVA
WaterMunicipal or Well
SewerMunicipal or Septic
InternetAT&T / Ben Lomand (varies)
Cell CoverageGood in town, fair rural
Natural GasLimited to Shelbyville area

🏦 Financing & Incentives

Most of Bedford County outside Shelbyville qualifies for USDA Rural Development loans β€” zero down payment for eligible buyers.

βœ… USDA Eligible
Outside Shelbyville city limits
FHA / VA
Available county-wide
0.58%
Property tax rate

Check USDA eligibility for your address β†’

πŸ“ Nearby Counties

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❓ Frequently Asked Questions

Can I build a barndominium in Bedford County?
Yes β€” Agricultural and R-1 zones allow barndominiums. Bedford County is barndo-friendly with straightforward permitting.
Is Bedford County eligible for USDA loans?
Yes β€” most areas outside Shelbyville city limits qualify for USDA Rural Development zero-down-payment loans.
How far is Bedford County from Nashville?
About 1 hour south via I-24. Shelbyville to downtown Nashville is roughly 60 miles.
What makes Bedford County special?
It's the Walking Horse Capital of the World. The county hosts the Tennessee Walking Horse National Celebration every August, drawing equestrian enthusiasts from across the globe.