AcreScore β€” What's this?
62/ 100

Montgomery County, TN

Fort Campbell's Backyard β€” Clarksville's Booming Barndo Market

πŸ“Š62/100AcreScore
πŸ’°$14KLand $/acre
🏠$285KHome Value
πŸ‘₯220,000Population
πŸ“ˆ+18.5%Growth (10yr)
🌊12%Flood RiskLow
🌑️Mixed HumidClimateZone 4A

πŸ—οΈ Can You Build Here?

Montgomery County is Tennessee's fifth-most-populous county, anchored by Clarksvilleβ€”the state's second-largest city. Home to Fort Campbell and experiencing explosive growth, the county's urban core has limited barndominium options, but the rural eastern and southern fringes still offer acreage for determined barndo builders.

ZoneMin LotBarndo OK?
Agricultural2 acresβœ… Yes
Rural Residential1 acre⚠️ Conditional
Suburban Residential0.5 acre⚠️ Conditional
Urban Residential0.25 acre❌ No

Montgomery County and Clarksville have structured zoning with increasing restrictions as the city expands. Rural areas are more permissive but diminishing with growth.

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 from Clarksville-Montgomery County
  • β€’ Zoning compliance review
  • β€’ Septic or sewer connection permit
  • β€’ Electrical, plumbing, and mechanical inspections
  • β€’ Stormwater management plan

Permit Office

Clarksville-Montgomery County Building & Codes 329 Main Street Clarksville, TN 37040 (931) 648-6104

🌊 What's the Flood & Soil Risk?

Montgomery County has moderate flood risk around 12%, primarily along the Cumberland and Red Rivers. Upland areas away from river corridors offer flood-free building sites.

12%
In Flood Zone
Good
Soil Drainage
Varies
Septic Viability

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

πŸ’° What Does It Cost?

Rapid growth has pushed Montgomery County land prices well above rural Tennessee averages, particularly near Clarksville. The county's rural outskirts offer more affordable options.

$14K
Median $/acre
$285K
Median Home Value
$130–$175/sq ft
Build Cost $/sqft
1.88%
Property Tax Rate

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

πŸ”οΈ Why People Love Living Here

Montgomery County offers the energy of a rapidly growing military city with rural Tennessee countryside on its edgesβ€”a unique blend of patriotic community and southern living.

πŸŽ–οΈ

Fort Campbell & Military

Home to the 101st Airborne Division, Fort Campbell shapes the community with a strong military culture and steady economic engine.

πŸ“ˆ

Explosive Growth

Clarksville has grown over 18% in a decade, bringing new development, restaurants, and amenities at a rapid pace.

πŸŽ“

Austin Peay University

Austin Peay State University adds educational, cultural, and sporting events to the Clarksville community.

At a Glance

Population~220,000
10-Year Growth18.5%
County SeatClarksville
State Income TaxNone
ClimateMixed Humid (Zone 4A)

How Close Is Everything?

Nashville50 miles southeast
Fort Campbell, KY10 miles north
Hopkinsville, KY20 miles north
Springfield25 miles east
Dover30 miles west

πŸ’§ Utilities & Infrastructure

Montgomery County has excellent utility infrastructure through CDE Lightband, which provides electric, fiber internet, and cable TVβ€”one of Tennessee's best municipal broadband systems.

ElectricCDE Lightband / Cumberland EMC
WaterClarksville Gas & Water
SewerMunicipal expanding; septic in rural areas
InternetCDE Lightband fiber / cable / DSL
GasClarksville Gas & Water / propane rural
TrashMunicipal and private pickup

🏦 Financing & Incentives

Montgomery County has limited USDA eligibility due to Clarksville's urban classification. Only rural fringe areas may qualify, with most builders using conventional or VA/FHA financing.

⚠️ Limited USDA
Clarksville's urban designation limits USDA eligibility to rural fringe areas of Montgomery County. Many military families use VA loans instead. Check the USDA eligibility map for specific parcels.
FHA / VA
Available county-wide
1.88%
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 Montgomery County?
Yes, but primarily in rural areas outside Clarksville's urban growth boundary. Agricultural-zoned land on the county's eastern and southern edges offers the best opportunities.
Does Montgomery County qualify for USDA loans?
Only in outlying rural areas. Most of the county near Clarksville is excluded due to urban population thresholds.
Why is the barndo score 62?
High land costs, limited USDA eligibility, and increasingly strict urban zoning lower the score despite excellent infrastructure and services.
Can military families use VA loans for barndominiums?
VA loans can be used for barndominiums that meet VA property requirements, which is relevant given Fort Campbell's large military community.
Should I look at surrounding counties?
Stewart, Houston, and Cheatham counties offer significantly lower costs and full USDA eligibility while remaining within commuting distance of Clarksville.