AcreScore β€” What's this?
71/ 100

Houston County, TN

Tennessee's Smallest County β€” Big Solitude on the Cumberland River

πŸ“Š71/100AcreScore
πŸ’°$5KLand $/acre
🏠$135KHome Value
πŸ‘₯8,280Population
πŸ“ˆ+-0.5%Growth (10yr)
🌊10%Flood RiskLow
🌑️Mixed HumidClimateZone 4A

πŸ—οΈ Can You Build Here?

Houston County is Tennessee's least populated county, offering extreme privacy and very affordable land along the Cumberland River. Erin is a tiny but friendly county seat, and the lack of congestion and red tape makes barndominium building refreshingly simple.

ZoneMin LotBarndo OK?
Unzoned RuralNo minimumβœ… Yes
Erin Town LimitsVaries⚠️ Conditional

Houston County has virtually no zoning regulations. Building permits are required, but there are very few restrictions on barndominium construction anywhere in the county.

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 (county Health Department)
  • β€’ Electrical permit
  • β€’ Elevation certificate (flood zone parcels)

Permit Office

Houston County Courthouse 3558 Hwy 149 Erin, TN 37061 (931) 289-3633

🌊 What's the Flood & Soil Risk?

The Cumberland River forms Houston County's northern and western borders, creating notable flood zones. About 10% of parcels carry flood designations. River-adjacent properties require careful elevation planning.

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?

Houston County offers some of Tennessee's lowest building costs, with very affordable land and minimal permit fees. The trade-off is limited local contractorsβ€”you may need to source builders from Dickson or Clarksville.

$5K
Median $/acre
$135K
Median Home Value
$105–180
Build Cost $/sqft
0.58%
Property Tax Rate

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

πŸ”οΈ Why People Love Living Here

Houston County is for those who treasure solitude above all. With fewer than 9,000 residents in the entire county, you'll have space to breathe. The Cumberland River provides recreation, and the tight-knit community of Erin hosts a beloved Irish celebration each March.

☘️

Irish Heritage

Erin hosts the annual Erin Irish Day celebration, honoring the town's Irish roots with a parade and festivities.

🌊

Cumberland River

Miles of river frontage for fishing, boating, and enjoying waterfront views from your barndominium.

🀫

Ultimate Privacy

Tennessee's smallest county by population means your nearest neighbor might be a mile away.

At a Glance

Population~8,300
10-Year Growth-0.5%
County SeatErin
State Income TaxNone
Climate4A – Mixed Humid

How Close Is Everything?

Clarksville40 mi
Nashville70 mi
Dickson25 mi
Dover30 mi
Waverly15 mi

πŸ’§ Utilities & Infrastructure

Houston County has basic utility services. Electric service is reliable through Meriwether Lewis EC, but internet options are limited in the most rural areas. Septic and well water are standard for most properties.

ElectricMeriwether Lewis Electric Cooperative
WaterErin Water Dept / Houston County Utility
InternetAT&T DSL, local wireless, Starlink
SewerMunicipal in Erin; septic elsewhere
GasPropane only
TrashCounty convenience centers

🏦 Financing & Incentives

Houston County is entirely USDA eligible, with zero-down financing available everywhere. Low land costs mean very manageable monthly payments on a barndominium build.

βœ… USDA Eligible
All of Houston County qualifies for USDA Rural Development loans with zero down payment for eligible borrowers.
FHA / VA
Available county-wide
0.58%
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 in Houston County?
Absolutely. Houston County is one of the easiest places in Tennessee for barndominium construction, with virtually no zoning and simple permitting.
Is Houston County really the smallest in Tennessee?
By population, yes. With about 8,300 residents, it's Tennessee's least populated county, offering exceptional privacy and solitude.
Is Houston County eligible for USDA loans?
Yes, the entire county qualifies for USDA Rural Development financing with zero down payment for eligible borrowers.
How far is Nashville?
Erin is about 70 miles west of Nashville, approximately a 75-minute drive. Clarksville is closer at about 40 miles.