AcreScore โ€” What's this?
68/ 100

Hamblen County, TN

Affordable East Tennessee Living Along the I-81 Corridor

๐Ÿ“Š68/100AcreScore
๐Ÿ’ฐ$13KLand $/acre
๐Ÿ $185KHome Value
๐Ÿ‘ฅ64,934Population
๐Ÿ“ˆ+2.1%Growth (10yr)
๐ŸŒŠ8%Flood RiskLow
๐ŸŒก๏ธMixed HumidClimateZone 4A

๐Ÿ—๏ธ Can You Build Here?

Hamblen County offers barndominium builders a practical East Tennessee location with easy interstate access and competitive land prices. Morristown's growing economy supports a range of contractors familiar with metal building construction.

ZoneMin LotBarndo OK?
A-1 Agricultural1 acreโš ๏ธ Conditional
R-1 Residential15,000 sq ftโš ๏ธ Conditional
R-2 Rural Residential1 acreโœ… Yes

Hamblen County enforces zoning primarily within Morristown city limits. Rural areas have lighter restrictions but still require building permits for new construction.

๐Ÿ“‹ 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

  • โ€ข Building permit application
  • โ€ข Site plan with setbacks
  • โ€ข Septic permit (if applicable)
  • โ€ข Electrical and plumbing permits
  • โ€ข Elevation certificate for flood zone parcels

Permit Office

Hamblen County Building Inspection 511 W 1st North St Morristown, TN 37814 (423) 586-1931

๐ŸŒŠ What's the Flood & Soil Risk?

The Nolichucky River and its tributaries create moderate flood zones through parts of Hamblen County. Around 8% of parcels fall within FEMA-designated flood areas, so elevation certificates are recommended for riverside builds.

8%
In Flood Zone
Good
Soil Drainage
Good
Septic Viability

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

๐Ÿ’ฐ What Does It Cost?

Building costs in Hamblen County sit below the state average, making it one of the more affordable East Tennessee options for barndominium construction. Local material suppliers along the I-81 corridor keep delivery costs manageable.

$13K
Median $/acre
$185K
Median Home Value
$120โ€“200
Build Cost $/sqft
0.72%
Property Tax Rate

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

๐Ÿ”๏ธ Why People Love Living Here

Hamblen County blends small-city convenience with mountain-country charm. Morristown provides shopping, dining, and healthcare while the Smoky Mountain foothills are just a short drive east.

๐Ÿ”๏ธ

Smoky Mountain Access

Less than an hour to Great Smoky Mountains National Park for hiking, camping, and scenic drives.

๐Ÿ›ฃ๏ธ

I-81 Corridor

Direct interstate access connects you to Knoxville, the Tri-Cities, and points beyond.

๐ŸŽฃ

Cherokee Lake Nearby

Cherokee Lake is just minutes away for fishing, boating, and waterfront recreation.

At a Glance

Population~64,900
10-Year Growth+2.1%
County SeatMorristown
State Income TaxNone
Climate4A โ€“ Mixed Humid

How Close Is Everything?

Knoxville45 mi
Johnson City55 mi
Asheville, NC80 mi
Nashville230 mi
Chattanooga180 mi

๐Ÿ’ง Utilities & Infrastructure

Hamblen County has solid utility infrastructure thanks to its proximity to Morristown. TVA-supplied electric cooperatives serve most of the county with reliable power.

ElectricAppalachian Electric Cooperative / Morristown Utilities
WaterMorristown Utility Systems
InternetCharter Spectrum, AT&T
SewerMunicipal in Morristown; septic in rural areas
GasAtmos Energy (limited)
TrashCounty pickup available; private haulers

๐Ÿฆ Financing & Incentives

Hamblen County's USDA eligibility opens the door to zero-down financing for qualifying barndominium builds in rural portions of the county. Local lenders in Morristown also offer construction-to-permanent loans.

โœ… USDA Eligible
Most of Hamblen County outside Morristown city limits qualifies for USDA Rural Development loans, offering zero down payment options for eligible borrowers.
FHA / VA
Available county-wide
0.72%
Property tax rate

Check USDA eligibility for your address โ†’

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โ“ Frequently Asked Questions

Can I build a barndominium in Hamblen County?
Yes. Barndominiums are permitted in most of Hamblen County, especially in agricultural and rural residential zones outside Morristown city limits.
How much does land cost per acre in Hamblen County?
Median land prices run around $12,500 per acre, though parcels closer to Morristown or with mountain views can command higher prices.
Is Hamblen County eligible for USDA loans?
Yes. Rural areas of Hamblen County qualify for USDA Rural Development financing with zero down payment for eligible borrowers.
What's the commute to Knoxville from Morristown?
Morristown is approximately 45 miles east of Knoxville via I-81 and I-40, typically a 50-minute drive.
Do I need a septic system in rural Hamblen County?
Most rural properties require a septic system. A soil percolation test and septic permit from the county health department are required before construction.