AcreScore β€” What's this?
71/ 100

Rhea County, TN

Lakeside Living Between Watts Bar and Chickamauga in the Tennessee Valley

πŸ“Š71/100AcreScore
πŸ’°$6KLand $/acre
🏠$178KHome Value
πŸ‘₯33,768Population
πŸ“ˆ+5.1%Growth (10yr)
🌊11%Flood RiskLow
🌑️Mixed HumidClimateZone 4A

πŸ—οΈ Can You Build Here?

Rhea County sits in the Tennessee Valley between Watts Bar Lake and Chickamauga Lake, offering waterfront opportunities and rolling farmland. Dayton's historic charm β€” home of the famous Scopes Trial β€” adds character to this growing community.

ZoneMin LotBarndo OK?
Agricultural/Rural1 acreβœ… Yes
Residential (Dayton)0.33 acre⚠️ Conditional
Lakefront Overlay1 acre⚠️ Conditional

Rhea County has moderate zoning. Rural areas generally allow barndominiums with permits, while lakefront development may have additional restrictions.

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 (TN Dept. of Environment)
  • β€’ Electrical and plumbing permits
  • β€’ TVA shoreline permit (if lakefront)

Permit Office

Rhea County Building Inspector 375 Church Street, Dayton, TN 37321 (423) 775-7802 Mon–Fri 8:00 AM – 4:30 PM

🌊 What's the Flood & Soil Risk?

With two major TVA lakes and the Tennessee River, Rhea County has significant flood zones along waterways. Elevated parcels and ridgeline sites above the reservoir pools are plentiful and safe.

11%
In Flood Zone
Good
Soil Drainage
Good
Septic Viability

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

πŸ’° What Does It Cost?

Building costs in Rhea County are moderate with good access to Chattanooga-area suppliers. The contractor pool draws from both the Chattanooga and Crossville markets.

$6K
Median $/acre
$178K
Median Home Value
$115–175
Build Cost $/sqft
0.5%
Property Tax Rate

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

πŸ”οΈ Why People Love Living Here

Rhea County combines lakeside recreation with small-town living and a fascinating historical legacy, all within easy reach of Chattanooga.

β›΅

Two-Lake Living

Watts Bar Lake to the north and Chickamauga Lake to the south provide year-round boating, fishing, and waterfront living.

βš–οΈ

Scopes Trial Heritage

Dayton's historic Rhea County Courthouse hosts the famous 1925 Scopes 'Monkey Trial' museum and annual festival.

🍎

Growing Community

Bryan College, the Dayton Farmers Market, and new development bring steady growth and community events.

At a Glance

Population~34,000
10-Year Growth5.1%
County SeatDayton
State Income TaxNone
ClimateMixed Humid (4A)

How Close Is Everything?

Chattanooga40 miles / 45 min
Crossville50 miles / 1 hr
Knoxville90 miles / 1.5 hr
Athens25 miles / 30 min
Nashville130 miles / 2.25 hr

πŸ’§ Utilities & Infrastructure

Rhea County is served by Volunteer Energy Cooperative and the Dayton utility system. Lakefront properties may connect to utility district water lines.

ElectricVolunteer Energy Cooperative
WaterDayton Water / Rhea Co. Utility District
GasPropane delivery services
InternetCharter Spectrum / AT&T / Bledsoe Telephone
SewerSeptic (most rural) / Municipal (Dayton)
TrashCounty pickup / convenience centers

🏦 Financing & Incentives

Rhea County qualifies for USDA Rural Development loans, and Chattanooga-area lenders are experienced with construction financing for the region.

βœ… Eligible
Most of Rhea County qualifies for USDA Rural Development loans with zero down payment.
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 in Rhea County?
Yes. Rural Rhea County allows barndominiums with standard building permits. Lakefront parcels may have additional TVA and overlay requirements.
What are Watts Bar and Chickamauga Lakes like?
Both are large TVA reservoirs offering excellent bass fishing, boating, and waterfront living. Watts Bar is quieter while Chickamauga sees more recreational traffic.
Is Rhea County growing?
Yes β€” about 5% growth over the past decade, driven by Chattanooga commuters and retirees seeking affordable lakefront property.
How far is Chattanooga?
Dayton is about 40 miles north of Chattanooga, a 45-minute drive via US-27. Easy access for shopping, dining, and airport.
Is Rhea County eligible for USDA loans?
Yes. Most of Rhea County qualifies for USDA Rural Development zero-down financing for eligible primary residences.