Pendleton County, Kentucky requires zoning review for development, but we could not confirm whether a separate local building permit is required for a single-family home.1 The county Planning & Zoning office serves unincorporated Pendleton County, while Three Rivers District Health Department handles onsite sewage.23
At a glance
- Building permit
- Local single-family requirement not confirmed; ask Planning & Zoning1
- Zoning
- Yes in unincorporated Pendleton County2
- Zoning permit
- Required for all new construction4
- Septic
- Permit and inspections through Three Rivers District Health Department356
- RV living
- Long-term private-land occupancy not confirmed; ask Planning & Zoning7
- Tiny home
- Check the parcel's zoning and proposed use with Planning & Zoning7
- Private well
- Use a Kentucky-certified water-well driller8
Who to call
Planning & zoning
Pendleton County Department of Planning & Zoning
Zoning administration, mapping, floodplain management, right-of-way encroachment permits, addressing, development-plan review and subdivision review for unincorporated Pendleton County
233 Main St. Falmouth, KY 41040
Zoning
Pendleton County Department of Planning & Zoning
Residential and commercial zoning-permit applications
Septic permits
Three Rivers District Health Department — Pendleton County Health Center
Site evaluations, onsite sewage construction permits and installation inspections
329 Highway 330 West Falmouth, KY 41040
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 Pendleton County, Kentucky?
Pendleton County requires a zoning permit for all new construction, including a residential project.9 That is not the same as a confirmed local building permit. Kentucky does not require permits, inspections or a certificate of occupancy for a single-family dwelling unless a local ordinance requires them, and we could not confirm Pendleton County's local single-family rule.101112
The home still falls under Kentucky's mandatory residential code, which applies to single-family homes, two-family homes and townhouses.13 Before ordering plans or scheduling work, give Pendleton County Planning & Zoning the parcel number, location and project type and ask which zoning, building, electrical, plumbing and HVAC approvals apply. The county lists separate inspection contacts for electrical, HVAC, plumbing, sanitary sewage, commercial buildings and used manufactured housing.4
Who handles permits in Pendleton County, Kentucky?
Start with the Pendleton County Department of Planning & Zoning at 233 Main Street in Falmouth.4 The office administers zoning and mapping, floodplain management, right-of-way encroachment permits, addressing, code enforcement, development-plan review and subdivision review for unincorporated Pendleton County and the City of Falmouth.4 Its applications page provides a residential permit application and says zoning permits are required for all new construction.9
The county's building-permit census is classified as limited because local planning and development permits are administered by the county while residential building-code rules operate within Kentucky's state framework.1 For a commercial project or a residential occupancy outside a single-family home, two-family home or townhouse, the Kentucky Building Code may govern instead of the residential code.14 Ask Planning & Zoning to identify every approval and inspector for the specific parcel rather than treating the zoning permit as the entire construction approval package.
Does Pendleton County, Kentucky have zoning?
Yes. Pendleton County Planning & Zoning administers zoning for unincorporated Pendleton County and the City of Falmouth.2 The available county source does not establish that every incorporated municipality is administered in the same way, so a parcel inside another city needs confirmation from that city.2
The county office handles zoning-ordinance administration, zoning mapping, development-plan review and subdivision review.15 The reviewed material does not provide the district-by-district minimum lot sizes, setbacks, building heights or lot-coverage limits.7 Ask Planning & Zoning to confirm the parcel's district and the dimensional standards before relying on a survey or placing a house, shed or driveway. Subdividing land also requires review: the county Joint Planning Commission oversees subdivision activity, and Kentucky law generally requires planning-commission approval before a subdivision plat can be recorded.1617
How do septic permits work in Pendleton County?
Three Rivers District Health Department administers onsite sewage in Pendleton County.3 The process begins with an onsite evaluation of the site and soil; a certified installer then submits the design layout and construction-permit application to the local health department.18 Kentucky requires the onsite sewage permit before any part of a system is constructed, installed or altered.5 Every installed, constructed, altered or repaired onsite system must also be inspected by a certified inspector.6
Soil is a serious planning issue here: only about 1.2% of mapped soils avoid a “very limited” rating for a conventional septic drain field.19 That does not decide an individual lot, but it makes the health department's site evaluation especially important before purchase. If public sewer is unavailable, Kentucky plumbing rules require the house drain to connect to an approved private sewage-disposal system.20
Can you live in an RV or tiny home in Pendleton County?
We could not confirm a Pendleton County rule allowing long-term RV occupancy, temporary camping on private land or tiny-home occupancy. Because unincorporated Pendleton County is zoned, ask Planning & Zoning whether the proposed use is allowed in the parcel's district and what permits, setbacks and sanitation approvals apply.27
Kentucky's rule allowing a person to sleep temporarily in a lawfully parked vehicle for less than 12 hours on a public road, street or parking lot does not authorize long-term RV living on private land.21 A tiny home used as a dwelling remains subject to the applicable Kentucky residential code, and a new structure needs county zoning review.139 Do not buy based only on the label “tiny home” or assume that wheels avoid land-use rules; describe the structure, foundation, utilities and intended occupancy to Planning & Zoning and Three Rivers before closing.
Building a home in Pendleton County: what are the steps?
- Call Pendleton County Planning & Zoning with the parcel number and proposed home location; the office handles zoning, mapping, floodplain management, addressing and right-of-way encroachment permits.4
- Confirm the zoning district, permitted use and site standards, because the reviewed county material does not list every district's setbacks or minimum lot size.7
- Apply for the county zoning permit before new construction and ask whether a separate local building permit, inspections or certificate of occupancy will be required.910
- Arrange a Three Rivers site evaluation, then obtain the onsite sewage construction permit before septic work begins.185
- Obtain a plumbing construction permit before installing or altering plumbing; homeowners may receive a permit for plumbing in their own personal residence.22
- For an entrance on a state highway, apply in writing to the Kentucky Department of Highways district engineer.23
What should you check before buying land in Pendleton County?
Confirm zoning, floodplain status, legal access, sanitation and utilities before the due-diligence period ends. Planning & Zoning manages county zoning maps, floodplain review, addressing and right-of-way encroachment permitting for unincorporated Pendleton County.4 Development in an identified Kentucky floodplain requires both state and local floodplain permits.24
Order the septic site evaluation early because only about 1.2% of county soils are mapped without severe limits for a conventional drain field.19 About 43.4% of the county's land is at a slope of 15% or less, so grading, access and usable building area can matter alongside total acreage.25 Private well work must be performed by a person holding the applicable Kentucky water-well driller or assistant certificate.8 For budgeting context, the county's effective property-tax rate is about 0.8%, and the median annual property-tax bill is about $1,246.2627
Watch-outs
- A county zoning permit is confirmed for new construction, but the separate local single-family building-permit requirement is not; ask Planning & Zoning before work begins.910
- Only about 1.2% of mapped county soils avoid a severe limitation rating for conventional septic drain fields, so make the site evaluation a purchase contingency.19
- Floodplain development needs both state and local permits, and Planning & Zoning handles the local floodplain review.244
Sources
- Pendleton County - Planning and Zoning (2026 county census)
- Planning and Zoning - Pendleton County, quoted and re-checked
- Kentucky CHFS - Onsite Sewage Disposal Systems Program (2026 county census)
- Pendleton County Department of Planning & Zoning (pendletoncounty.ky.gov)
- 902 KAR 10:110. Issuance of on-site sewage disposal system permits (Kentucky statewide rule), quoted and re-checked
- 902 KAR 10:085. System Installation Inspection (Kentucky statewide rule), quoted and re-checked
- Planning and Zoning - Pendleton County, 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
- Pendleton County Department of Planning & Zoning (pendletoncounty.ky.gov)
- 815 KAR 7:125, Kentucky Residential Code (Kentucky statewide rule), quoted and re-checked
- 815 KAR 7:125, Kentucky Residential Code (Kentucky statewide rule), quoted and re-checked
- 815 KAR 7:125, Kentucky Residential Code (Kentucky statewide rule), quoted and re-checked
- 815 KAR 7:125 Kentucky Residential Code, quoted and re-checked
- 815 KAR 7:120 Kentucky Building Code (Kentucky statewide rule), quoted and re-checked
- Planning and Zoning - Pendleton County, quoted and re-checked
- Joint Planning Commission - Pendleton County, quoted and re-checked
- KRS 100.277 — Commission approval required for subdivisions (Kentucky statewide rule), quoted and re-checked
- Three Rivers District Health Department — Pendleton County Health Center (trdhd.com)
- Share of soils without severe limits for a conventional septic drain field (USDA SSURGO): Bolthole Index county data
- 815 KAR 20:130. House sewers and storm water piping; methods of installation (Kentucky statewide rule), quoted and re-checked
- KRS 511.110 — Unlawful camping (Kentucky statewide rule), quoted and re-checked
- Division of Plumbing Fee Change and Permit Information (Kentucky statewide rule), quoted and re-checked
- 603 KAR 1:020 Driveway approaches, entrances; construction and maintenance (Kentucky statewide rule), quoted and re-checked
- Find Your Flood Zone (Kentucky statewide rule), quoted and re-checked
- 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.