AcreScore β€” What's this?
70/ 100

Obion County, TN

Flat Farmland and Affordable Building in Northwest Tennessee

πŸ“Š70/100AcreScore
πŸ’°$6KLand $/acre
🏠$118KHome Value
πŸ‘₯30,060Population
πŸ“ˆ+-3.2%Growth (10yr)
🌊14%Flood RiskLow
🌑️Warm HumidClimateZone 3A

πŸ—οΈ Can You Build Here?

Obion County's flat agricultural landscape in the far northwest corner of Tennessee makes site preparation straightforward and affordable. The Goodyear plant in Union City anchors the local economy, and land prices remain among the lowest in the state.

ZoneMin LotBarndo OK?
Agricultural1 acreβœ… Yes
Residential (Union City)0.33 acre⚠️ Conditional
IndustrialNone specified❌ No

Obion County has limited zoning outside Union City. Agricultural parcels generally allow residential metal buildings and barndominiums with standard permits.

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€’ Site plan with setbacks
  • β€’ Septic permit (if applicable)
  • β€’ Electrical and plumbing permits
  • β€’ Floodplain development permit (if in SFHA)

Permit Office

Obion County Building Inspector 2 Bill Burnett Circle, Union City, TN 38261 (731) 885-9619 Mon–Fri 8:00 AM – 4:30 PM

🌊 What's the Flood & Soil Risk?

The Obion River and its forks create significant floodplain areas across the county. Careful site selection away from river bottoms is essential β€” elevated farmland parcels typically sit outside FEMA flood zones.

14%
In Flood Zone
Good
Soil Drainage
Good
Septic Viability

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

πŸ’° What Does It Cost?

Low land costs and competitive rural labor rates keep barndominium builds affordable in Obion County. Materials can be sourced from suppliers in Union City, Martin, and the Paducah, KY metro area.

$6K
Median $/acre
$118K
Median Home Value
$105–160
Build Cost $/sqft
0.62%
Property Tax Rate

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

πŸ”οΈ Why People Love Living Here

Obion County offers quintessential small-town West Tennessee living with strong community ties, excellent hunting, and proximity to Reelfoot Lake.

πŸ¦…

Reelfoot Lake Access

World-class eagle watching and crappie fishing at nearby Reelfoot Lake, just a short drive north.

🌾

Farm Country Living

Rich bottomland farms define the landscape with wide-open skies and peaceful rural roads.

🏭

Stable Employment

The Goodyear tire plant and regional agriculture provide steady employment in Union City.

At a Glance

Population~30,000
10-Year Growth-3.2%
County SeatUnion City
State Income TaxNone
ClimateWarm Humid (3A)

How Close Is Everything?

Paducah, KY45 miles / 50 min
Martin15 miles / 20 min
Jackson80 miles / 1.5 hr
Nashville160 miles / 2.5 hr
Memphis130 miles / 2 hr

πŸ’§ Utilities & Infrastructure

Union City Energy Authority provides electric and gas service in town. Rural areas are served by Gibson Electric Membership Corporation and local water districts.

ElectricGibson EMC / Union City Energy
WaterUnion City Water / Obion County Utility
GasUnion City Energy Authority
InternetCharter Spectrum / AT&T
SewerSeptic (rural) / Municipal (Union City)
TrashCounty pickup / convenience centers

🏦 Financing & Incentives

Obion County qualifies for USDA Rural Development loans, making zero-down barndominium financing accessible. First Bank and Commercial Bank & Trust in Union City handle rural construction lending.

βœ… Eligible
All of Obion County qualifies for USDA Rural Development loans with zero down payment for eligible borrowers.
FHA / VA
Available county-wide
0.62%
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 Obion County?
Yes. Most of unincorporated Obion County allows barndominiums on agricultural land with a building permit. Check with Union City codes if building within city limits.
How much does land cost in Obion County?
Median land prices are around $5,500 per acre. Flat, cleared farmland parcels are readily available at competitive prices throughout the county.
Is Obion County in a flood zone?
Parts of Obion County along the Obion River and its forks are in FEMA flood zones. Elevated farmland parcels away from river bottoms are typically outside flood areas.
What's the climate like in Obion County?
Obion County has a warm humid climate (Zone 3A) with hot summers and mild winters. This means lower insulation requirements and a longer building season compared to eastern Tennessee.
Is Obion County eligible for USDA loans?
Yes. The entire county qualifies for USDA Rural Development zero-down financing for primary residences, including barndominiums that meet program requirements.