AcreScore β€” What's this?
70/ 100

Grainger County, TN

Cherokee Lake and East Tennessee's rural Appalachian foothills

πŸ“Š70/100AcreScore
πŸ’°$6KLand $/acre
🏠$175KHome Value
πŸ‘₯23,500Population
πŸ“ˆ+2.8%Growth (10yr)
🌊10%Flood RiskLow
🌑️Mixed HumidClimateZone 4A

πŸ—οΈ Can You Build Here?

Grainger County lies in the ridge-and-valley terrain of East Tennessee, with Cherokee Lake as its most prominent feature. The hilly terrain offers scenic building sites with mountain views, though slope and access require careful planning.

ZoneMin LotBarndo OK?
Agricultural1 acreβœ… Yes
Rural Residential1 acreβœ… Yes

Grainger County has minimal zoning outside Rutledge, making it generally permissive for barndominium construction in rural areas.

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€’ Septic permit (TN Dept of Environment)
  • β€’ Electrical permit
  • β€’ Driveway / road access permit
  • β€’ Flood zone determination (near lake)

Permit Office

Grainger County Courthouse Hwy 11W, Rutledge, TN 37861 Phone: (865) 828-3511 Hours: Mon–Fri 8:00 AM – 4:00 PM

🌊 What's the Flood & Soil Risk?

Cherokee Lake and the Holston River create flood zones along the shoreline and river corridors. Ridgetop and hillside building sites, which are plentiful, are well above flood-prone areas.

10%
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 are moderate for East Tennessee, with labor available from the greater Knoxville area. The hilly terrain may add slightly to site preparation costs compared to flat-terrain counties.

$6K
Median $/acre
$175K
Median Home Value
$100–165
Build Cost $/sqft
0.5%
Property Tax Rate

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

πŸ”οΈ Why People Love Living Here

Grainger County offers quiet rural Appalachian living with Cherokee Lake recreation and reasonable access to Knoxville. Rutledge is one of Tennessee's smallest county seats, adding to the area's rural charm.

🎣

Cherokee Lake

A 30,000-acre TVA reservoir known for excellent bass and crappie fishing, boating, and lakeside recreation.

⛰️

Mountain Views

Ridge-and-valley terrain provides scenic views of the Clinch and Holston mountain ranges.

πŸ…

Grainger County Tomatoes

Famous statewide for their exceptional tomatoes, celebrated at the annual Grainger County Tomato Festival.

At a Glance

Population~23,500
10-Year Growth2.8%
County SeatRutledge
State Income TaxNone
ClimateZone 4A – Mixed Humid

How Close Is Everything?

Knoxville, TN50 min
Morristown, TN20 min
Dandridge, TN25 min
Greeneville, TN45 min
Gatlinburg, TN1.3 hr

πŸ’§ Utilities & Infrastructure

Utility service in Grainger County relies on rural electric cooperatives and local utility districts, with internet options improving through broadband expansion efforts.

ElectricAppalachian Electric Cooperative
WaterGrainger County Utility District
HeatingPropane (various dealers)
Internet/DSLCenturyLink / Lumen
Cable/InternetComcast (limited)
SewerPrivate Septic

🏦 Financing & Incentives

USDA Rural Development loans are available throughout Grainger County, making zero-down financing a strong option for rural barndominium builds.

βœ… USDA Eligible
All areas of Grainger County qualify for USDA Rural Development financing.
FHA / VA
Available county-wide
0.5%
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 near Cherokee Lake?
Yes, though shoreline setbacks and TVA easements must be respected. Properties set back from the lake in agricultural zones have the fewest restrictions.
How far is Knoxville?
About 40 miles or 50 minutes, making occasional trips for shopping and services very manageable.
What are Grainger County tomatoes?
Grainger County is famous throughout Tennessee for its exceptionally flavorful tomatoes, grown in the county's fertile valley soils. The annual Tomato Festival celebrates this tradition.
Is the terrain difficult to build on?
The ridge-and-valley terrain means some parcels require more site work than flat land. Choose ridgetop or gentle-slope sites for the easiest barndominium builds.