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TN

Best Rural Areas in Tennessee

Top 5 areas for rural homeownership • Updated 2026-03-27

7,051,339

Population

$64,035

Median Income

$250,800

Median Home Value

56%

Rural Rent Savings

Metro

$1,652/mo

Davidson County (Nashville)

Rural

$725/mo

Morgan County

Save

$927/mo

per month (56% less)

2BR Fair Market Rent • HUD Fair Market Rent FY2026

Key Insight

Tennessee combines no state income tax with some of the lowest property taxes in the nation—and affordable rural land. The Cumberland Plateau and Appalachian counties offer forested acreage from $4K-$8K/acre, while Nashville suburbs command $40K-$60K. Water is abundant (rainfall 50+ inches/year), making this one of the easiest states for rural living. The catch: everyone else discovered it too, so prices are rising fast.

Income Tax: None (Hall Tax on interest/dividends ended 2021)
Property Tax Range: 0.45% - 0.80%
Avg Land Price: $4,700/acre statewide (USDA)

🗺️ Top 5 Rural Areas

Click markers or cards to explore • Prices are estimates for 5-10 acre parcels
1

Cumberland Plateau (Morgan/Fentress)

Morgan/Fentress County • Population: 22,000 (Morgan) / 18,000 (Fentress)

Maximum acreage for moneyOutdoor recreationOff-grid homesteading

Land Price

$4,000-$10,000

per acre

Property Tax

0.58%

annual rate

Population

22,000 (Morgan) / 18,000 (Fentress)

in area

USDA Loans

✓ Yes

eligible

Why You'll Love It

  • Some of the cheapest land in Tennessee
  • Stunning gorges and waterfalls (Frozen Head, Obed Wild & Scenic)
  • Very low property taxes (0.58%)
  • Abundant water—rainfall 55+ inches/year
  • Strong homesteading community
  • No state income tax

Things to Consider

  • Limited services—nearest hospitals in Cookeville or Oak Ridge
  • Twisty mountain roads (slow travel)
  • Some areas have poor cell coverage
  • Job market limited to Knoxville/Oak Ridge commute
  • Poverty rate higher than state average
💧

Water

Excellent water availability. Abundant rainfall, springs, and creeks. Wells typically 100-200ft with good production. Many properties have spring-fed water.

📶

Internet

Improving. Twin Lakes Telephone expanding fiber on plateau. Rural areas: Starlink increasingly common.

🏦

USDA Loans

Excellent eligibility throughout

💰 Example Deal Scenarios

Appalachian Timber

Hancock County

Buy:$25,000 (5 acres, forested, road access)
Costs:$1,500 (closing/survey) + $130/year taxes
Hold:12-24 months
Sell:$40,000-$50,000
ROI:51-88%

Cumberland Plateau Homestead

Morgan County (Sunbright)

Buy:$55,000 (10 acres, well, cleared building site)
Costs:$4,000 (improvements) + $319/year taxes
Hold:18-36 months
Sell:$85,000-$110,000
ROI:44-86%

Upper Cumberland Development

Cumberland County (near Crossville)

Buy:$120,000 (15 acres, road frontage, utilities available)
Costs:$15,000 (minor subdivision, improvements) + $660/year taxes
Hold:24-48 months
Sell:$200,000-$250,000 (as 3x 5-acre tracts)
ROI:48-85%

*Example scenarios for illustration. Actual returns vary based on market conditions.

🔗 Tennessee Resources

Ready to Buy Rural Land?

Before you make an offer, read our essential guides on due diligence, water rights, and rural financing.