Unincorporated Franklin County, Missouri requires building permits and inspections for new construction, subject to listed exemptions12. Franklin County Planning & Zoning regulates unincorporated land, and the Building Department issues septic permits for systems covered by the county wastewater code34. City building and zoning rules differ; Washington also requires its City Building Official’s written permit for private sewage disposal when public sewer is unavailable567.
At a glance
- Building permit
- Required for new construction in unincorporated Franklin County8
- Zoning
- Yes; the county Planning & Zoning Department zones unincorporated areas9
- Septic permit
- Required for covered construction, installation, enlargement, alteration or repair10
- Driveway/road access
- County entrance permit needed for a driveway onto a county-maintained road; a state permit is needed onto a state highway1112
- Owner-builder exemption
- Agricultural structures may qualify; no general residential owner-builder exemption confirmed13
- Building codes
- 2021 International codes plus the 2020 National Electrical Code14
- Water wells
- State licensing applies to regulated well work; a separate county homeowner permit is unconfirmed15
Who to call
Building permits
Franklin County Building Department
Building permits, inspections, mobile-home permits and on-site sewage (septic) permits for unincorporated Franklin County
400 East Locust, Union, MO 63084
Zoning
Franklin County Planning & Zoning Department
Zoning, land divisions, rezoning, conditional use permits, variances and floodplain administration for unincorporated Franklin County
planningandzoning@franklinmo.gov
400 East Locust, Union, MO 63084
Roads & driveways
Franklin County Highway Department
Entrance (driveway) permits and right-of-way permits onto county-maintained roads in Franklin County
400 East Locust, Union, MO 63084
Contact details are copied from each office’s official page and were checked against it on October 12, 2026.
Off-grid gear
Going off-grid in Franklin County means bringing your own water and power. The kit we’d start with:
- Water Crystal Quest Filter any source — well, rain, or creek — to drinking-clean.
- Power Bluetti Solar generators and home battery backup for living off the grid.
- Septic Soil percolation test kit Run your own perc test before paying an engineer — the first thing a septic office asks about.
- Water Well water test kit Bacteria, nitrates, hardness — know what the well on a parcel is really pumping.
These are affiliate links — we may earn a commission, at no cost to you. As an Amazon Associate, Bolthole Index earns from qualifying purchases.
Do you need a building permit in Franklin County, Missouri?
Yes. Unincorporated Franklin County, Missouri requires a building permit for new construction, and the county Building Department inspects new structures816. Franklin County enforces the 2021 International Building, Residential, Mechanical, Plumbing, Fire, and Swimming Pool and Spa Codes, plus the 2020 National Electrical Code14. The published schedule has a $25 nonrefundable application fee and a $150 minimum calculated construction-permit fee; starting construction without a permit doubles the permit fee17. One-story detached accessory structures of 300 square feet or less are exempt from the building permit, while a carport or prefab building over 300 square feet fastened to concrete needs one1. A qualifying agricultural structure used solely for agriculture, never for human habitation, and at least 200 feet from any residence does not need a building permit but does need an on-site inspection by the Building Department first13.
Who issues building permits in Franklin County, and how do you reach them?
The Franklin County Building Department issues building permits and inspects new construction in unincorporated Franklin County82. Reach the department at 636-583-6384, building@franklinmo.gov, or 400 East Locust, Union, Missouri18. Inside Washington, Union, St. Clair and Gerald, the cities handle building permits5192021. Septic approval is separate: Washington requires its City Building Official’s written permit when public sewer is unavailable, and Gerald requires its City Inspector’s written permit while preserving additional state or county Health Officer requirements722. For other city addresses, ask the county Building Department whether the proposed septic system falls within its jurisdiction4. The county provides applications, checklists and inspection guidance; ask the Building Department to calculate the full building-permit charge from its fee schedule2324.
Does Franklin County have zoning?
Franklin County zones unincorporated land, and its Planning and Zoning Commission reviews conditional-use requests, rezoning, preliminary plats and planned unit developments325. The Planning & Zoning Department also regulates land divisions, lot-line adjustments, address assignments, road naming and floodplain administration26. We could not confirm district-specific lot-size, setback, height or lot-coverage standards; request a Zoning Permit/Verification to confirm the parcel’s district and whether the intended use is permitted26. Inside Washington, Union, Pacific and Gerald, city zoning applies6272829. City zoning does not settle septic approval: Washington and Gerald require city private-sewage permits, and Gerald preserves additional state or county Health Officer requirements722. Subdivision developers using on-site wastewater must comply with state residential-development and sewage rules and contact Missouri DNR before applying for county wastewater approval3031.
How do septic permits work in Franklin County?
Franklin County requires an application and permit before constructing, installing, enlarging, altering or repairing an on-site wastewater system covered by its code32. The Franklin County Building Department administers systems below 3,000 gallons per day and stabilization ponds serving one single-family dwelling; commercial or industrial facilities and subdivision developers must contact the Missouri Department of Natural Resources before applying under the county rule4. The residential sewer fee for new work or repairs is $135 plus $200 escrow, paid by separate check17. An application requires the fee, a detailed plot plan, sewer design, a soil evaluation when required, and an affidavit confirming the installer choice32. Minor repairs that do not alter the original design, routine maintenance and clearing stoppages are exceptions, while an emergency-repair application is due by the next working business day32. The county inspects installation, and the final inspection is due within 12 months after permit issuance3331. Only about 2.2% of Franklin County soils rate free of severe limits for a conventional drain field, so test the site before fixing the house location or budget34.
Can you live in an RV or tiny home on your land in Franklin County?
We could not confirm a countywide rule allowing long-term RV living, temporary camping or tiny-home occupancy on private land in unincorporated Franklin County; because the county zones unincorporated land, ask the Planning & Zoning Department about the exact parcel and proposed use before buying or moving a unit onto the land35. A Zoning Permit/Verification confirms both the parcel's zoning district and whether a proposed use is permitted26. Franklin County does not recognize a privy as sewage disposal for a continuously occupied dwelling; privies are considered only under limited remote-area conditions and require Building Official approval36. Alternative wastewater systems remain subject to county permitting and inspection unless an express exception applies37.
What are the steps to build a home in Franklin County?
- Get zoning verification. Ask Planning & Zoning to confirm the parcel's district and whether the planned home and any temporary living arrangement are allowed26.
- Test the site for wastewater. Only 2.2% of county soils rate free of severe limits for a conventional drain field34.
- Apply for the septic permit. Submit the plot plan, sewer design, required soil evaluation, installer affidavit and fee to the Building Department; incomplete applications are not processed1023.
- Apply for the building permit before starting work. Franklin County requires permits for new construction, and starting first doubles the permit fee817.
- Resolve road access. A driveway from a county-maintained road requires the Highway Department's permit, while construction or modification within MoDOT right-of-way requires a state permit1112.
- Schedule inspections. Franklin County inspects new construction, and covered septic work needs installation and final inspections1633.
What should you check before buying land in Franklin County?
If an existing system serves the property, hire a private licensed inspector because Missouri local health agencies generally do not inspect systems for real-estate transfers38. Missouri requires licensing for people doing regulated well work; we could not confirm a separate Franklin County homeowner well permit15. Ask Planning & Zoning whether the site lies in a mapped flood hazard area because that department administers county floodplain matters26. The median property-tax bill is about $1,774 a year at an effective rate near 0.8%3940.
Watch-outs
- A privy cannot serve as sewage disposal for a continuously occupied dwelling in Franklin County36.
- We could not confirm a countywide RV-occupancy or tiny-home rule; get a zoning verification for the specific parcel before assuming either use is allowed26.
- Franklin County’s agricultural-structure exemption does not establish a general owner-builder exemption for a home; ask the Building Department about residential permit eligibility13.
- For a septic system designed at exactly 3,000 gallons per day, ask the Franklin County Building Department to confirm jurisdiction before applying; the code’s scope says less than 3,000, while its permit exceptions exclude systems over 3,000432.
Sources
- Building | Franklin County, MO, quoted and re-checked
- Building, quoted and re-checked
- Planning & Zoning Department, quoted and re-checked
- County of Franklin On-Site Wastewater Disposal Code, quoted and re-checked
- Washington: Article IV: Supplementary Regulations - City of Washington, MO (Franklin County), quoted and re-checked
- Washington: Table of Contents - City of Washington, MO (Franklin County), quoted and re-checked
- Washington: Article VI: Private Sewage Disposal Systems - City of Washington, MO (Franklin County), quoted and re-checked
- Building, quoted and re-checked
- Planning & Zoning Department (2026 county census)
- County of Franklin On-Site Wastewater Disposal Code, quoted and re-checked
- Franklin County Highway Department (franklinmo.gov)
- Permits | Missouri Department of Transportation (Missouri statewide rule), quoted and re-checked
- Amendments to the 2021 Residential One- and Two-Family Dwelling Code, quoted and re-checked
- Building, quoted and re-checked
- Permits Needed for Well Driller Businesses, quoted and re-checked
- Building, quoted and re-checked
- Franklin County Building Department Fee Rate Schedule, quoted and re-checked
- Franklin County Building Department (franklinmo.gov)
- Union: Article II: Building Regulations - City of Union, MO (Franklin County), quoted and re-checked
- St. Clair: Chapter 6—Building permits (Franklin County), quoted and re-checked
- Gerald: Article VIII: Additional Building Codes And Regulations (Franklin County), quoted and re-checked
- Gerald: Chapter 710: Sewer System (Franklin County), quoted and re-checked
- Building | Franklin County, MO, quoted and re-checked
- Building, quoted and re-checked
- Planning & Zoning Commission, quoted and re-checked
- Franklin County Planning & Zoning Department (franklinmo.gov)
- Union: Table of Contents - City of Union, MO (Franklin County), quoted and re-checked
- Pacific: City of Pacific, MO Code of Ordinances (Franklin County), quoted and re-checked
- Gerald: Table of Contents - City of Gerald, MO (Franklin County), quoted and re-checked
- Resources — Missouri Onsite Wastewater Treatment, quoted and re-checked
- County of Franklin On-Site Wastewater Disposal Code, quoted and re-checked
- County of Franklin On-Site Wastewater Disposal Code, quoted and re-checked
- County of Franklin On-Site Wastewater Disposal Code, quoted and re-checked
- Share of soils USDA rates "not limited" for a conventional septic drain field (SSURGO). A strict rating: the median county is about 6% and a tenth of counties are 0%, so a low figure means most lots need a site evaluation or an engineered system, not that septic is impossible. Cite it only with that caveat: Bolthole Index county data
- Planning & Zoning Commission, quoted and re-checked
- County of Franklin On-Site Wastewater Disposal Code, quoted and re-checked
- County of Franklin On-Site Wastewater Disposal Code, quoted and re-checked
- Onsite Wastewater Treatment System Inspections Versus Evaluations (Missouri statewide rule), quoted and re-checked
- Median property tax bill: Bolthole Index county data
- Effective property tax rate: Bolthole Index county data
Written October 12, 2026 from the rules quoted below, each taken from an official source and re-checked by an independent reviewer. This is research, not legal advice: rules change, so confirm with the office before you buy or build.