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Monroe County, TN · off-grid fact sheet

Can you live off-grid in Monroe County, Tennessee?

85
of 100
Good with caveats

Yes, with two things to plan around. Rain is plentiful, about 58 inches a year. The U.S. Geological Survey maps strong earthquake shaking here, so build to the seismic code. The ground is steep, with slopes averaging about 21%. That raises the cost of a driveway, septic, and foundation.

What the land says

Rain
Rain can supply much of a household's water with a large tank. A garden mostly waters itself in normal years.
About 58 inches a year (PRISM, 1991 to 2020 average)
Wells
Typical well depth. Budget for a mid-range well.
The typical well here is about 300 feet deep; a well typically runs $11,000 to $24,000
Growing season
A full season for most vegetables.
About 205 frost-free days, USDA zone 7b; last frost about April 8, first about November 2
Sun
Good sun. Size the array and battery bank for winter.
About 4.9 hours of full sun a day, averaged over the year
Flood
Flood zones run along creeks and rivers here. Look up the parcel on FEMA's flood map.
FEMA maps flood zones within a quarter mile in places
Wildfire
Low wildfire risk.
U.S. Forest Service wildfire hazard map: Very Low to Low here
Storms
Strong tornadoes are common. A storm shelter belongs in the plan.
NOAA: no hurricane-strength storm within 50 miles since 1975; about 4 strong (EF2 or stronger) tornadoes a decade within 25 miles
Earthquakes
Strong shaking is possible. Build to the seismic code and brace the water tank.
USGS seismic hazard map: very high
Terrain
Steep in places. Driveways, septic, and foundations cost more.
Slopes average about 21%, about 1,070 feet above sea level
Soil
Good ground for a standard septic system. The county's soil test decides.
Silt loam, well drained (USDA soil survey). A standard system typically runs $5,000 to $10,000
Road
Paved roads are close by.
Nearest paved road usually within about 1 mile (OpenStreetMap)

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Is it legal here?

Zoning
Rural land here is often unzoned. Confirm with the county before you build.
Building code
Statewide residential code exists but counties and municipalities may opt out, and many have.
Rainwater
Collecting it is allowed.
Composting toilets
Allowed.
Water rights
Owners of land along a creek or lake can make reasonable use of its water.

Look up a parcel's zoning free, or read Is it legal to live off-grid in Tennessee? for permits, septic, wells, and the counties that opt out.

What it costs to set up a homestead here

Well
$11,000 to $24,000
Drilled to about 300 feet, with pump and pressure tank
Septic
$5,000 to $10,000
Standard system
Solar and batteries
$18,000 to $34,000
Sized for a modest household
Road or driveway
$3,000 to $7,000
From the nearest road to a house site
Clearing
$1,000 to $3,000
A house site, solar, and garden
Total
$37,000 to $78,000
Before the house

Before you make an offer on land here

Flood map
Look up the parcel on FEMA's flood map.
Flood zones run along creeks and rivers here. Building in one means flood insurance and extra permits.
Zoning
Confirm with the county whether the parcel is zoned.
Rural land in Tennessee is often unzoned.
Soil test
Get a soil test before you count on septic.
The county has to approve the ground before it issues a septic permit.

Nearby counties

48,594 people live in Monroe County, about 76.4 per square mile. It ranks tied for 78th of the 95 Tennessee counties we scored, and Tennessee ranks 9th of 50 states.

Loudon County, TN · McMinn County, TN · Cherokee County, NC · Graham County, NC · Blount County, TN · Polk County, TN · All scored Tennessee counties

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Sources: FEMA flood maps, USGS and state driller well records, USGS brackish groundwater study, USDA soil survey, USGS 3DEP elevation, U.S. Forest Service wildfire hazard, USGS seismic hazard, USGS PAD-US public land, U.S. Census housing counts, USDA county land values, FCC broadband map, CMS hospital list. Rainfall: PRISM Group, Oregon State University, prism.oregonstate.edu (1991-2020 normals, 4 km grid; accessed 2026-09-17). Temperatures: PRISM Group, Oregon State University, prism.oregonstate.edu (1991-2020 temperature normals, 4 km grid; accessed 2026-09-26). Storms: NOAA hurricane tracks (HURDAT2, 1975-2025) and Storm Prediction Center tornado paths (EF2+, 1990-2025). Roads: © OpenStreetMap contributors. Data updated September 2026.