Unincorporated Obion County, Tennessee requires a building permit, even though the county has no building code outside city limits.12 Get the county permit from the Obion County Assessor’s Office; septic construction, modification and repair require a separate state permit through the Tennessee Department of Environment and Conservation.34
At a glance
- Building permit
- Required in unincorporated Obion County1
- Building code
- No county code outside city limits; cities have their own codes2
- Zoning
- Local rules vary; confirm zoning for the parcel’s jurisdiction5
- Septic
- TDEC permit required for construction, modification or repair64
- Owner-builder
- Allowed for an owner’s individual-use residence, subject to state conditions7
Who to call
Building permits
Obion County Assessor of Property
Building and demolition permits for property in unincorporated Obion County
4 Bill Burnett Circle, PO Box 327, Union City, TN 38281
Septic permits
TDEC Jackson Environmental Field Office
Septic-related inquiries and Division of Water Resources services for Obion County
1625 Hollywood Drive, Jackson, TN 38305
Contact details are copied from each office’s official page and were checked against it on October 9, 2026.
Off-grid gear
Going off-grid in Obion 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.
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Do you need a building permit in Obion County, Tennessee?
Yes. Buildings and related work in unincorporated Obion County require a building permit, and the county directs applicants to the Assessor’s Office in the courthouse.1 The Assessor says permits are used for new buildings and remodels, demolition permits remove buildings from the records, and applicants should obtain permits for room additions, repairs after storm or flood damage, and new-home construction.8
Obion County has opted out of Tennessee’s State Residential Building Program, and no county building code exists outside city limits.92 An owner or contractor may request a State Fire Marshal inspection during construction of a new home or addition; if the dwelling meets statewide building safety standards, the State Fire Marshal will issue a certificate of occupancy.9 A parcel inside a municipality needs a city-specific answer because each city has its own codes.2
Who handles building permits in Obion County?
The Obion County Assessor of Property is the building-permit contact for a house or building located in unincorporated Obion County.8 Call the office at (731) 507-0999 Ext.#4 or visit 4 Bill Burnett Circle in Union City; the office page also lists PO Box 327, Union City, TN 38281.8
Tell the office the parcel location and describe the proposed new building, remodel, room addition, repair or demolition, because those are the project types the Assessor identifies on its permit page.8 For land inside a city, contact that city’s building office instead; Obion County’s own guidance specifically routes Union City properties to the Union City Building Department.8
Does Obion County have zoning?
Obion County’s official guidance says each city has its own codes and no code exists outside city limits, so the rules depend first on whether the parcel is incorporated.5 We could not confirm that unincorporated Obion County has no zoning ordinance, so ask the Assessor to identify any parcel-specific land-use approvals before treating rural land as unrestricted. The county building-permit requirement and state septic rules still apply outside city limits.14
Union City has zoning, and its official zoning map controls the current zoning status of land inside the city.10 Property there must meet the rules for its mapped district.10 Other incorporated cities may have different ordinances and should be contacted directly.5 We could not confirm unincorporated-county rules for minimum home size, setbacks, subdivision approval, short-term rentals or floodplain development; ask the Assessor about those issues before buying or designing a project.
How do septic permits work in Obion County?
TDEC administers septic permits for Obion County through the Jackson Environmental Field Office.6 A permit is required to construct, modify or repair a septic system, and the installer must arrange a final inspection before covering the completed system.411
Applications may be filed online or on paper with the appropriate field office; review generally takes 10 days and must finish within 45 days after submission.12 The conventional-system permit is $400 for design flow up to 1,000 gallons per day, with a $100 construction inspection; alternative systems begin with a $500 permit and a $200 inspection.13 Only 12.2% of county soils are rated without severe limits for a conventional drain field, so make the site evaluation an early contingency.14 Call TDEC’s septic-inquiry line at 731-441-5593.15
Can you live in an RV or tiny home in Obion County?
We could not confirm an unincorporated Obion County rule that allows or prohibits living in an RV on private land, or a rule that sets a minimum size for a tiny home. The county says no code exists outside city limits, but a county building permit is still required and Tennessee still requires a permitted septic system for construction, modification or repair.514
Before buying, ask the Obion County Assessor whether the proposed structure needs a county permit and whether any parcel-specific land-use rule applies, then ask TDEC how the wastewater arrangement can be approved.815 Union City has zoning, and a manufactured dwelling there must meet district setbacks and other standards, connect to public utilities, and sit on a continuous permanent masonry wall; a previously occupied unit cannot be moved onto residentially zoned property in Union City.1016
Building a home in Obion County: what are the steps?
- Confirm whether the parcel is inside a city, because cities have their own codes and Union City has zoning, while unincorporated Obion County has no county building code.210
- For unincorporated land, call the Obion County Assessor and obtain the required county building permit.18
- Apply to TDEC for the septic construction permit before installation or repair, allowing for the published review period.412
- If access will be built or changed on state highway right-of-way, obtain the required TDOT highway-entrance permit.17
- If building for your own use, confirm the Tennessee owner-builder conditions: one permit every two years, no sale, lease or rent, and licensing rules for hired prime contractors.7
- Have the septic installer arrange TDEC’s final inspection before covering the system.11
What should you check before buying land in Obion County?
Start with jurisdiction: each city has its own codes, while the county says no code exists outside city limits and still requires a building permit there.51 Ask the Assessor to confirm the parcel’s jurisdiction and any land-use approvals. Then make the purchase contingent on a workable wastewater plan, because only 12.2% of soils are rated without severe limits for a conventional drain field.14
Confirm legal road access and whether a proposed entrance touches state highway right-of-way, where a TDOT permit is required.17 Ask the relevant utility whether sewer service is available and whether connection is mandatory for the parcel.18 We could not confirm the county’s private-well, floodplain-development or county-road driveway requirements; ask TDEC about wells, the Assessor about parcel-specific approvals, and the road authority that maintains the frontage before closing.
Watch-outs
- A county building permit is still required even though the county says no code exists outside city limits.15
- Do not cover a permitted septic installation until the installer has arranged the required final inspection.11
- Rules inside an Obion County city differ from the unincorporated-county rules because each city has its own codes.5
- Union City has zoning and does not allow a previously occupied manufactured home to be moved onto residentially zoned property.1016
Sources
- obioncountytn.gov, quoted and re-checked
- obioncountytn.gov, quoted and re-checked
- obioncountytn.gov (2026 county census)
- Septic System Construction Permit, quoted and re-checked
- obioncountytn.gov, quoted and re-checked
- Septic System Construction Permit, quoted and re-checked
- Can I build my own home without a license?, quoted and re-checked
- Obion County Assessor of Property (obioncountytn.gov)
- Residential Jurisdictions & Inspectors, quoted and re-checked
- Union City Zoning Ordinance, quoted and re-checked
- Subsurface Sewage Disposal System Frequently Asked Questions, quoted and re-checked
- Septic System Construction Permit, quoted and re-checked
- Septic System Construction Permit, 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
- TDEC Jackson Environmental Field Office (tn.gov)
- Manufactured Homes — City of Union City, quoted and re-checked
- Highway Entrance Permits (Tennessee statewide rule), quoted and re-checked
- Utility Customers Frequently Asked Questions (Tennessee statewide rule), quoted and re-checked
Written October 9, 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.