Building a Barndominium in Middle Tennessee: What You Need to Know Before You Break Ground
TL;DR: The quick summary
Barndominiums are gaining popularity in Middle Tennessee for their cost efficiency, open floor plans, and rural lifestyle appeal. Before you build, you need to understand zoning regulations, financing options, and the unique considerations of rural land in Williamson, Maury, and Wilson counties.
## What Is a Barndominium?
A barndominium is a metal building structure that combines living space with a workshop, garage, or barn area. They've become increasingly popular in rural Middle Tennessee because they offer large square footage at a lower cost per square foot than traditional construction.
## Zoning and Land Use in Middle Tennessee
Before you purchase land to build a barndominium, you need to understand the zoning regulations in your target county. Williamson County, Maury County, and Wilson County each have different rules about what can be built on agricultural versus residential land.
Some areas allow barndominiums outright, while others require variances or special use permits. Working with a local real estate agent who understands rural land is essential before you commit to a purchase.
## Financing a Barndominium
Traditional mortgage lenders often treat barndominiums differently than stick-built homes. Some lenders won't finance them at all, while others require higher down payments or charge higher interest rates.
Construction loans, USDA rural development loans, and portfolio lenders are often better options for barndominium financing in Middle Tennessee.
## Cost Considerations
The appeal of barndominiums is cost efficiency, but the final cost depends heavily on the level of finish, the size of the structure, and the cost of land. In Middle Tennessee, land prices have risen significantly, which affects the overall economics.
## Finding the Right Land
Rural land in Middle Tennessee requires careful evaluation. You'll want to consider well and septic requirements, access to utilities, road frontage, flood zone status, and soil quality for any agricultural use.
## Working With the Right Agent
Not every real estate agent has experience with rural land and barndominium transactions. Finding an agent who understands the specific requirements of these properties can save you significant time and money.
Frequently asked questions
Are barndominiums legal in Williamson County, TN?
It depends on the specific zoning of the land. Some agricultural zones allow barndominiums, while others require special permits. Always verify zoning before purchasing land for this purpose.
Can I get a mortgage for a barndominium in Tennessee?
Yes, but your options may be more limited than with a traditional home. USDA rural development loans, construction loans, and portfolio lenders are often the best options for barndominium financing.
How much does it cost to build a barndominium in Middle Tennessee?
Costs vary widely depending on size, finish level, and land costs. A basic barndominium shell might start around $50-80 per square foot, but fully finished living spaces can reach $150+ per square foot, not including land.
What counties in Middle Tennessee are best for building a barndominium?
Maury, Wilson, Marshall, and Lawrence counties generally have more rural land available and more permissive zoning for barndominium-style structures than Williamson County, which has stricter regulations.