AcreScore β€” What's this?
63/ 100

Sumner County, TN

Nashville's northern suburb with Old Hickory Lake. Fast-growing, rising prices, but still pockets of buildable rural land.

πŸ“Š63/100AcreScore
πŸ’°$38KLand $/acre
🏠$395KHome Value
πŸ‘₯197,048Population
πŸ“ˆ+18.5%Growth (10yr)
🌊11%Flood RiskLow
🌑️Mild Four-SeasonClimateZone 4A

πŸ—οΈ Can You Build Here?

Possible but increasingly regulated. Sumner County's rapid growth means zoning is tightening. Agricultural zones still welcome barndominiums in the eastern and northern parts of the county.

ZoneMin LotBarndo OK?
A (Agricultural)3 acresβœ… Yes
RS-1 (Residential Single-Family)1 acre⚠️ Conditional
RS-2 (Residential Medium)20,000 sqft❌ No

Source: Sumner County Regional Planning Commission

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
  • β€’ Septic permit (rural areas)
  • β€’ Electrical permit
  • β€’ Plumbing permit
  • β€’ Stormwater permit

Permit Office

Sumner County Building Dept 355 N Belvedere Dr, Gallatin, TN 37066 (615) 451-6097 Mon–Fri 7:30 AM – 4:00 PM

🌊 What's the Flood & Soil Risk?

Moderate flood risk. Old Hickory Lake and the Cumberland River create flood zones along the southern edge. Northern upland areas are generally clean.

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?

Sumner County prices have risen sharply with Nashville's boom. Land is $38K/acre median β€” affordable by Nashville standards but expensive for rural Tennessee.

$38K
Median $/acre
$395K
Median Home Value
$155–235
Build Cost $/sqft
0.58%
Property Tax Rate

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

πŸ”οΈ Why People Love Living Here

Sumner County is Nashville's northern escape route. Gallatin and Hendersonville are booming suburbs, but head north and you'll find rolling farmland with Nashville paychecks.

🏘️

Nashville Suburb

30 minutes to downtown Nashville with suburban amenities and rural edges.

πŸ“ˆ

Booming Growth

18.5% growth in 10 years. One of TN's fastest-growing counties.

🎸

Music City Access

Nashville's music, food, and culture scene is a short drive away.

At a Glance

Population197,048
10-Year Growth+18.5%
County SeatGallatin
State Income TaxNone
ClimateMild four-season (Zone 4A)

How Close Is Everything?

Nashville30 min
Old Hickory LakeIn county
Nashville Airport (BNA)40 min
Bowling Green KY50 min
Lebanon25 min

πŸ’§ Utilities & Infrastructure

Good infrastructure in Gallatin and Hendersonville. Northern rural areas use wells and septic. Broadband expanding but patchy in the north.

Electric ProviderSumner County EMC / TVA
WaterMunicipal or Well
SewerMixed (septic in rural)
InternetAT&T / Comcast (varies)
Cell CoverageGood
Natural GasPiedmont Natural Gas (limited)

🏦 Financing & Incentives

Northern rural areas of Sumner County may qualify for USDA Rural Development. Gallatin, Hendersonville, and southern areas are excluded.

⚠️ Limited USDA
Northern rural areas only
FHA / VA
Available county-wide
0.58%
Property tax rate

Check USDA eligibility for your address β†’

πŸ“ Nearby Counties

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See if you qualify β†’

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❓ Frequently Asked Questions

Can I build a barndominium in Sumner County?
Yes β€” Agricultural zones allow barndominiums. Look for parcels in the northern part of the county for the most flexibility.
Is Sumner County eligible for USDA loans?
Limited β€” northern rural areas may qualify. The Gallatin/Hendersonville corridor is excluded. Check USDA maps for your specific parcel.
How fast is Sumner County growing?
Very fast β€” 18.5% growth in 10 years. This means rising land prices but also improving infrastructure and amenities.
How far is Sumner County from Nashville?
Gallatin to downtown Nashville is about 30 minutes via US-31E or I-65.