AcreScore β€” What's this?
73/ 100

Benton County, TN

Kentucky Lake paradise. Ultra-affordable acreage with lake access, USDA eligibility, and West Tennessee's best outdoor living.

πŸ“Š73/100AcreScore
πŸ’°$7KLand $/acre
🏠$155KHome Value
πŸ‘₯16,160Population
πŸ“ˆ+-1.2%Growth (10yr)
🌊14%Flood RiskLow
🌑️Mild Four-SeasonClimateZone 4A

πŸ—οΈ Can You Build Here?

Yes β€” Benton County is very barndo-friendly. Minimal zoning outside Camden means owner-builders have wide latitude on rural parcels.

ZoneMin LotBarndo OK?
AgriculturalNone (rural)βœ… Yes
Residential1 acreβœ… Yes
Floodplain OverlayVaries❌ No

Source: Benton County Planning Office

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
  • β€’ Electrical permit
  • β€’ Floodplain development permit (if applicable)

Permit Office

Benton County Building Dept 1 Court Square, Camden, TN 38320 (731) 584-6011 Mon–Fri 8:00 AM – 4:00 PM

🌊 What's the Flood & Soil Risk?

Moderate flood risk due to Kentucky Lake and the Tennessee River. 14% of land is in FEMA flood zones. Stick to elevated parcels away from the lakeshore.

14%
In Flood Zone
Good
Soil Drainage
Good
Septic Viability

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

πŸ’° What Does It Cost?

Benton County is one of Tennessee's best land bargains β€” $6,500/acre median with lake proximity. Extremely affordable for builders and homesteaders.

$7K
Median $/acre
$155K
Median Home Value
$120–175
Build Cost $/sqft
0.52%
Property Tax Rate

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

πŸ”οΈ Why People Love Living Here

Benton County is where Tennessee meets the lake life. Kentucky Lake dominates the western border, offering fishing, boating, and a laid-back rural lifestyle year-round.

🎣

Kentucky Lake Living

One of the largest man-made lakes in the eastern US. World-class bass fishing and boating.

🏑

Ultra-Affordable

Land at $6,500/acre β€” some of the cheapest in Tennessee with real amenities nearby.

🌲

Quiet Rural Life

Small-town Camden anchors a county that feels miles from anywhere. Peace and space in abundance.

At a Glance

Population16,160
10-Year Growth-1.2%
County SeatCamden
State Income TaxNone
ClimateMild four-season (Zone 4A)

How Close Is Everything?

Jackson50 min
Nashville1.75 hr
Kentucky LakeIn county
Paris Landing30 min
Memphis2.5 hr

πŸ’§ Utilities & Infrastructure

Camden has basic municipal services. Most rural areas rely on wells and septic. Electric co-ops serve the county reliably.

Electric ProviderTennessee Valley Electric / TVA
WaterMunicipal or Well
SewerMunicipal or Septic
InternetAT&T / Local wireless (limited)
Cell CoverageFair β€” spotty in rural areas
Natural GasVery limited

🏦 Financing & Incentives

Nearly all of Benton County qualifies for USDA Rural Development loans β€” zero down payment for eligible buyers.

βœ… USDA Eligible
Countywide
FHA / VA
Available county-wide
0.52%
Property tax rate

Check USDA eligibility for your address β†’

πŸ“ Nearby Counties

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See if you qualify β†’

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❓ Frequently Asked Questions

Can I build a barndominium in Benton County?
Yes β€” Benton County has minimal zoning restrictions in rural areas. Barndominiums are welcome on agricultural land.
Is Benton County eligible for USDA loans?
Yes β€” virtually the entire county qualifies for USDA Rural Development zero-down-payment loans.
What about Kentucky Lake access?
Kentucky Lake forms Benton County's entire western border. Multiple public boat ramps and marinas provide easy access.
Is internet available in rural Benton County?
Coverage is limited in rural areas. AT&T provides DSL in some spots, and satellite internet (Starlink) is popular for remote parcels.