Marshall County, Kentucky requires building permits for all residential and commercial construction, including work in Benton, Calvert City and Hardin1. The Building Office enforces the Kentucky Building Code and Kentucky Residential Code and conducts inspections2. Unincorporated Marshall County has no county zoning regulations, but Benton and Calvert City have their own zoning requirements3. Septic permits go through the Marshall County Health Department4.
At a glance
- Building permit
- Required for all residential and commercial construction countywide1
- Building office
- Marshall County Building Office in Benton5
- Zoning
- No county zoning in unincorporated areas; Benton and Calvert City have city zoning3
- Septic permit
- Required through the Marshall County Health Department46
- Owner-builder
- No building-permit exemption confirmed; a separate homeowner septic permit is available78
- Minimum home size
- No county zoning-based minimum in unincorporated Marshall County9
- Floodplain development
- Both Kentucky and Marshall County permits are required in the Special Flood Hazard Area10
- Private wells
- Use a Kentucky-certified well driller; no separate owner-applied county permit was confirmed11
Who to call
Building permits
Marshall County Building Office
Building permits, plan reviews and construction inspections in Benton, Calvert City, Hardin and Marshall County
1101 Main Street, Ste. 205, Benton, KY 42025
Septic permits
Marshall County Health Department
Onsite wastewater site evaluations, permits, inspections and homeowner septic-install permits
267 Slickback Rd. | Benton, KY 42025
Floodplain permits
Marshall County Information Technology — Floodplain Management
Floodplain determinations and local Marshall County floodplain permits
1101 Main Street, Benton, KY 42025
Contact details are copied from each office’s official page and were checked against it on September 27, 2026.
Do you need a building permit in Marshall County, Kentucky?
Yes. Marshall County requires a building permit for all residential and commercial construction throughout the county, including Benton, Calvert City and Hardin1. The Marshall County Building Office enforces both the Kentucky Building Code and Kentucky Residential Code, issues permits and conducts construction inspections25. Kentucky's statewide residential rule ordinarily leaves permits, inspections and certificates of occupancy for a single-family dwelling to local ordinance, and Marshall County has exercised that local authority by requiring the permit121. No building-permit exemption for an owner-builder was confirmed, so an owner planning to perform the work should ask the Building Office what applications, plans and licensed trades the project will require75.
Who is the Marshall County building department, and how do you reach it?
The Marshall County Building Office is the county's permit and inspection office for construction in Benton, Calvert City, Hardin and the rest of Marshall County5. The office is at 1101 Main Street, Ste. 205, Benton, KY 42025, and its phone number is 270-527-47445. The office recommends calling to arrange a personal meeting because staff also perform field duties5. Start there before ordering plans or scheduling work, since the office enforces the Kentucky Building Code and Kentucky Residential Code and conducts plan reviews and inspections during construction5. The official material reviewed here does not establish a complete certificate-of-occupancy procedure, so ask the Building Office which final approvals are required before occupying the completed structure5.
Does Marshall County have zoning?
Unincorporated Marshall County has no county zoning regulations13. That means the county does not impose zoning-based minimum dwelling size, minimum lot size, setbacks, lot coverage or building-height limits on unincorporated land914151617. Those answers are limited to county zoning: building-code, septic, floodplain, road, subdivision, deed and utility requirements can still affect a parcel. Benton and Calvert City have their own zoning requirements, and a zoning permit or letter of compliance must accompany the building-permit application where city zoning applies3. Buyers should therefore confirm whether a parcel is inside municipal limits before relying on the unincorporated-county answer3.
How do septic permits work in Marshall County?
The Marshall County Health Department administers onsite wastewater permitting, site evaluations and inspections locally under Kentucky's statewide program188. A permit is required before constructing, installing or altering an onsite sewage disposal system, and the permit follows a site evaluation and requires a detailed drawing, specifications and applicable fees6. Every system that is installed, constructed, altered or repaired must be inspected by a certified inspector before backfilling19. A homeowner may obtain a permit to install their own septic system, but the Health Department says homeowner permits may be issued only once every five years8. Only about 1.5% of Marshall County soils are rated without severe limitations for a conventional drain field, so make the site evaluation a purchase contingency and budget for the possibility of an alternative design20.
Can you live in an RV or tiny home on your land in Marshall County?
Marshall County has no county zoning regulations on unincorporated land, but that finding does not establish permission to occupy an RV as a permanent residence13. Kentucky's vehicle-sleeping rule addresses only temporary sleeping for less than 12 hours in a vehicle lawfully parked on a public road, street or parking lot; it does not authorize long-term RV occupancy on private land21. Ask the Marshall County Building Office before buying land for full-time RV living or for an RV used during construction, because no county rule answering that occupancy question was confirmed5. A tiny home used as a dwelling still falls under Marshall County's countywide residential building-permit requirement and the Kentucky Residential Code, even though unincorporated land has no county zoning-based minimum dwelling size129.
Building a home in Marshall County: the steps, in order
- Confirm whether the parcel is unincorporated or inside Benton or Calvert City, because those cities have zoning requirements and may require a zoning permit or compliance letter with the building application3.
- Check the parcel against the flood map; development in the Special Flood Hazard Area requires both a Kentucky permit and a Marshall County permit10.
- Arrange an onsite wastewater evaluation with the Marshall County Health Department before finalizing the house location8.
- Obtain the septic construction permit before any part of the system is installed6.
- Apply to the Marshall County Building Office for the required residential building permit and confirm the inspection sequence15.
- If the driveway connects to a state highway, apply in writing to the Kentucky Department of Highways District Engineer22.
- Have the septic system inspected before backfilling and complete the building inspections required by the Building Office195.
What should you check before buying land in Marshall County?
Check septic feasibility first: only about 1.5% of Marshall County soils are rated without severe limitations for a conventional drain field20. Check flood status next, because development in the Special Flood Hazard Area needs both state and county permits10. Confirm road access and whether a proposed driveway meets a state highway, where written application to the District Engineer is required22. If the seller recently divided a larger tract, ask which planning commission approved the plat, because Kentucky requires commission approval for subdivision within a planning-unit jurisdiction, subject to the agricultural-use exception2324. Marshall County averages about 50.9 inches of precipitation annually, and about 83.3% of its land has slopes of 15% or less, but parcel-level drainage and grading still need site review2526. The effective property-tax rate is about 0.7%, with a median annual bill near $1,2462728.
Watch-outs
- No county owner-builder exemption from the building permit was confirmed; the homeowner permit described by the Health Department applies to septic installation, not the building permit78.
- Benton and Calvert City have municipal zoning requirements even though unincorporated Marshall County has no county zoning regulations3.
- Only about 1.5% of Marshall County soils are rated without severe limitations for a conventional drain field, so do not commit to a house location before the Health Department evaluates the site208.
- Development in a Special Flood Hazard Area needs both a Commonwealth of Kentucky floodplain permit and a Marshall County floodplain permit10.
Sources
- Building Office, quoted and re-checked
- Building Office, quoted and re-checked
- Zoning Compliance, quoted and re-checked
- Marshall County KY Health Department Septic Systems (2026 county census)
- Marshall County Building Office (marshallcountyky.gov)
- 902 KAR 10:110. Issuance of on-site sewage disposal system permits (Kentucky statewide rule), quoted and re-checked
- (2026 county census)
- Marshall County Health Department (marshallcohealthdepartment.com)
- Zoning Compliance, quoted and re-checked
- Floodplain Management, quoted and re-checked
- 401 KAR 6:320. Certification of water well drillers and water well driller assistants (Kentucky statewide rule), quoted and re-checked
- 815 KAR 7:125, Kentucky Residential Code (Kentucky statewide rule), quoted and re-checked
- Zoning Compliance, quoted and re-checked
- Zoning Compliance, quoted and re-checked
- Zoning Compliance, quoted and re-checked
- Zoning Compliance, quoted and re-checked
- Zoning Compliance, quoted and re-checked
- Septic Systems – Marshall County Health Department, quoted and re-checked
- 902 KAR 10:085. System Installation Inspection (Kentucky statewide rule), quoted and re-checked
- Share of soils without severe limits for a conventional septic drain field (USDA SSURGO): Bolthole Index county data
- KRS 511.110 — Unlawful camping (Kentucky statewide rule), quoted and re-checked
- 603 KAR 1:020 Driveway approaches, entrances; construction and maintenance (Kentucky statewide rule), quoted and re-checked
- KRS 100.277 — Commission approval required for subdivisions (Kentucky statewide rule), quoted and re-checked
- KRS 100.111 — Definitions for chapter (Kentucky statewide rule), quoted and re-checked
- Annual precipitation: Bolthole Index county data
- Share of land at 15% slope or less: Bolthole Index county data
- Effective property tax rate: Bolthole Index county data
- Median property tax bill: Bolthole Index county data
Written September 27, 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.