AcreScore β€” What's this?
68/ 100

Fayette County, TN

Memphis exurb with rolling countryside and growing demand

πŸ“Š68/100AcreScore
πŸ’°$11KLand $/acre
🏠$275KHome Value
πŸ‘₯42,000Population
πŸ“ˆ+11.5%Growth (10yr)
🌊8%Flood RiskLow
🌑️Warm HumidClimateZone 3A

πŸ—οΈ Can You Build Here?

Fayette County sits east of Memphis, transitioning from rural farmland to a rapidly growing exurban community. The hilly terrain and hardwood forests offer attractive building sites, though land prices are climbing with Memphis spillover.

ZoneMin LotBarndo OK?
Agricultural (A-1)3 acresβœ… Yes
Rural Residential1 acreβœ… Yes
Suburban Residential0.5 acre❌ No

Fayette County has zoning that varies significantly from the growing western edge to the rural east. Agricultural zones in the eastern county are most barndominium-friendly.

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 / blueprints
  • β€’ Septic permit (TN Dept of Environment)
  • β€’ Electrical and mechanical permits
  • β€’ Zoning compliance certificate

Permit Office

Fayette County Building & Codes 16755 Hwy 64, Somerville, TN 38068 Phone: (901) 465-5208 Hours: Mon–Fri 8:00 AM – 4:30 PM

🌊 What's the Flood & Soil Risk?

Fayette County has relatively low flood risk compared to the flat Delta counties to its west. Rolling terrain provides natural drainage, with flood zones mainly limited to the Wolf River and Loosahatchie River corridors.

8%
In Flood Zone
Good
Soil Drainage
Good
Septic Viability

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

πŸ’° What Does It Cost?

Construction costs reflect Memphis metro influence β€” higher than deep rural West Tennessee but still reasonable. Good contractor availability from the Memphis labor market.

$11K
Median $/acre
$275K
Median Home Value
$115–180
Build Cost $/sqft
0.65%
Property Tax Rate

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

πŸ”οΈ Why People Love Living Here

Fayette County offers a unique blend of old Southern charm and modern suburban growth. Historic Somerville's town square contrasts with new subdivisions, while the countryside retains its pastoral beauty.

🐎

Equestrian Country

Rolling hills and horse farms give Fayette County an equestrian culture rare in West Tennessee.

πŸ›οΈ

Historic Charm

Somerville's antebellum courthouse square and historic homes showcase the county's rich heritage.

πŸ—οΈ

Growing Community

Oakland and Piperton are among Tennessee's fastest-growing towns, bringing new schools and amenities.

At a Glance

Population~42,000
10-Year Growth11.5%
County SeatSomerville
State Income TaxNone
ClimateZone 3A – Warm Humid

How Close Is Everything?

Memphis, TN45 min
Collierville, TN20 min
Jackson, TN1.2 hr
Bolivar, TN30 min
Nashville, TN3.1 hr

πŸ’§ Utilities & Infrastructure

Fayette County has improving utility infrastructure driven by suburban growth in the western part of the county, while eastern areas remain more rural.

ElectricSouthwest Tennessee EMC
WaterFayette County Utility District
HeatingPropane (various dealers)
Internet/DSLAT&T
Fiber (expanding)Aeneas Communications
SewerPrivate Septic

🏦 Financing & Incentives

USDA eligibility in Fayette County is limited due to the growing suburban areas in the western part of the county near Memphis.

⚠️ Limited USDA
Parts of Fayette County near Oakland and Piperton may not qualify for USDA loans due to population growth. Eastern and rural areas are more likely eligible. Verify each parcel.
FHA / VA
Available county-wide
0.65%
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

Is Fayette County still rural enough for a barndominium?
Yes, especially in the eastern half. The western edge near Oakland is suburbanizing, but central and eastern Fayette County remain rural with available acreage.
Are USDA loans available?
Partially. Some western areas near Oakland/Piperton may not qualify. Eastern and rural areas generally remain eligible. Check the USDA eligibility map for your specific parcel.
How far is Memphis?
About 40 miles or 45 minutes to downtown Memphis, with Collierville shopping just 15 miles away.
Why is the acre score lower than more rural counties?
Rising land costs from Memphis suburban spillover, tighter zoning near growing towns, and limited USDA eligibility bring the score down.