AcreScore β€” What's this?
76/ 100

Cumberland County, TN

Cumberland Plateau living with mountain views and retirement-friendly appeal

πŸ“Š76/100AcreScore
πŸ’°$7KLand $/acre
🏠$215KHome Value
πŸ‘₯60,520Population
πŸ“ˆ+8.5%Growth (10yr)
🌊6%Flood RiskLow
🌑️Mixed HumidClimateZone 4A

πŸ—οΈ Can You Build Here?

Cumberland County sits atop the Cumberland Plateau at roughly 2,000 feet elevation, offering cooler summers and scenic building sites. The relatively flat plateau terrain makes construction straightforward compared to mountainous East Tennessee.

ZoneMin LotBarndo OK?
Agricultural2 acresβœ… Yes
Rural Residential1 acreβœ… Yes
Suburban Residential0.5 acre⚠️ Conditional

Cumberland County has adopted county-wide zoning, but agricultural and rural residential zones are very accommodating to barndominiums and metal buildings.

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 application
  • β€’ Engineered plans or blueprints
  • β€’ Septic permit (TN Dept of Environment)
  • β€’ Electrical and mechanical permits
  • β€’ Grading permit (if applicable)

Permit Office

Cumberland County Building Department 160 Justice Center Dr, Crossville, TN 38555 Phone: (931) 484-5725 Hours: Mon–Fri 8:00 AM – 4:00 PM

🌊 What's the Flood & Soil Risk?

The elevated plateau location gives Cumberland County naturally low flood risk. Most buildable land sits well above any flood-prone areas, with only narrow creek corridors requiring attention.

6%
In Flood Zone
Good
Soil Drainage
Good
Septic Viability

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

πŸ’° What Does It Cost?

Building costs are moderate, benefiting from Crossville's established contractor base. The county's popularity as a retirement destination means experienced builders are readily available for barndominium projects.

$7K
Median $/acre
$215K
Median Home Value
$110–175
Build Cost $/sqft
0.55%
Property Tax Rate

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

πŸ”οΈ Why People Love Living Here

Cumberland County is one of Tennessee's top retirement destinations, known for golf courses, mild plateau summers, and a thriving arts community. Crossville offers full amenities while the surrounding countryside stays beautifully rural.

β›³

Golf & Recreation Capital

Home to numerous golf courses and the nickname 'Golf Capital of Tennessee,' with year-round outdoor recreation.

πŸ”οΈ

Plateau Living

At 2,000 feet elevation, enjoy cooler summers, stunning views, and four distinct seasons on the Cumberland Plateau.

🎨

Arts & Culture

Crossville's Cumberland County Playhouse and thriving arts community offer cultural richness in a rural setting.

At a Glance

Population~60,500
10-Year Growth8.5%
County SeatCrossville
State Income TaxNone
ClimateZone 4A – Mixed Humid

How Close Is Everything?

Cookeville, TN35 min
Knoxville, TN1.3 hr
Nashville, TN1.8 hr
Chattanooga, TN1.6 hr
Oak Ridge, TN1 hr

πŸ’§ Utilities & Infrastructure

Cumberland County has solid utility infrastructure anchored by Crossville, with multiple providers extending service across the plateau.

ElectricVolunteer Energy Cooperative
Natural GasCrossville Gas Department
WaterCrossville Water Department
Internet/FiberBen Lomand Connect
Cable/InternetCharter Spectrum
SewerPrivate Septic

🏦 Financing & Incentives

USDA loans are available in most of Cumberland County outside Crossville city limits, providing excellent zero-down financing for rural barndominium builds.

βœ… USDA Eligible
Most areas outside Crossville city limits qualify for USDA Rural Development loans. Verify specific parcel eligibility on the USDA map.
FHA / VA
Available county-wide
0.55%
Property tax rate

Check USDA eligibility for your address β†’

πŸ“ Nearby Counties

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❓ Frequently Asked Questions

Is Cumberland County good for barndominiums?
Yes. The county's rural character, available acreage, and experienced builder base make it one of the top barndominium counties on the Cumberland Plateau.
Why is Cumberland County popular for retirees?
Mild summers at 2,000 feet elevation, affordable cost of living, no state income tax, golf courses, and a strong community make it a top Tennessee retirement destination.
What's the weather like on the Cumberland Plateau?
Summers are notably cooler than surrounding lowlands, with highs in the mid-80s. Winters bring occasional snow. The plateau gets more rainfall than West Tennessee.
How far is Cumberland County from Knoxville?
About 75 miles or 80 minutes via I-40 East.
Are USDA loans available?
Yes, most areas outside Crossville city limits qualify for USDA Rural Development zero-down financing.