Bolthole Index

Montgomery County, Mississippi

Building permits, zoning and land rules in Montgomery County, Mississippi

76Index Score / 100
#10 of 82 in Mississippi

Montgomery County, Mississippi does not publish a residential building-permit office or process, so the permit requirement for unincorporated land remains unconfirmed; ask the county government before starting work12. We could not confirm countywide zoning from an official page3. Septic permits go through the Mississippi State Department of Health4.

At a glance

Building permit
Unconfirmed; ask Montgomery County before construction12
Building code
County-specific adoption or opt-out status is unconfirmed5
Zoning
No county zoning identified; ask the county to confirm for the parcel3
Septic permit
Required through the Mississippi State Department of Health67
RV living
Private-land occupancy rule not confirmed; ask the county government2
Tiny home
County occupancy, size and setback rules not confirmed3
Owner-builder
State licensing exemption applies to work on your own residence, but local permits may still apply8
State-highway driveway
A new or altered driveway requires an MDOT permit9

Who to call

Building permits

Montgomery County government

Main county government contact for confirming which office handles building permits, land-use questions and unincorporated parcels

662-283-2333

614 Summit Street, PO Box 71, Winona, MS 38967

Septic permits

Mississippi State Department of Health, Division of On-Site Wastewater

On-site wastewater applications, policy, site evaluations, permits and inspections for Montgomery County

601-576-7150

570 East Woodrow Wilson Drive, Jackson, MS 39216

Online permits →

Septic permits

Montgomery County Health Department

Local Mississippi State Department of Health contact for Montgomery County

662-283-3655

707 Alberta Drive, Winona, MS 38967

Roads & driveways

Montgomery County Road Department

County roads, bridges, drainage, rights-of-way and road surfaces

662-283-2112

614 Summit Street, PO Box 71, Winona, MS 38967

Contact details are copied from each office’s official page and were checked against it on September 28, 2026.

Do you need a building permit in Montgomery County, Mississippi?

Montgomery County, Mississippi does not publish a residential building-permit office or application process, so we could not confirm how the county implements building permits in unincorporated areas1. Mississippi's statewide framework says counties and municipalities must enact uniform building codes unless they opted out before November 30, 2014, but that source does not establish Montgomery County's current adoption or opt-out status5. Call Montgomery County government at 662-283-2333 before construction and ask which office issues permits, what plans are required, what inspections apply and whether the parcel lies inside a municipality2. A city may have its own requirements, so an answer for unincorporated land should not be used for property inside Winona or another municipality.

Who handles Montgomery County building permits, and how do you reach them?

Montgomery County's official departments page lists emergency management, finance, fire services, purchasing, roads and sanitation, but it does not list a building, codes or planning department2. The practical starting point is Montgomery County government at 614 Summit Street in Winona, phone 662-283-2333, and the question to ask is who handles construction on the parcel's exact jurisdiction2. Do not assume the absence of a published department means no permit is needed. If the property is within municipal limits, contact that municipality separately. For an owner building or improving their own residence, Mississippi provides an exemption from the residential builder and remodeler licensing chapter, but that licensing exemption does not cancel any local permit, code or inspection requirement8.

Does Montgomery County, Mississippi have zoning?

Available county information indicates no county zoning in Montgomery County, Mississippi, but no official county page expressly says that unincorporated land is unzoned3. Treat parcel-level zoning, setbacks, minimum lot size, building height and minimum dwelling size as questions to confirm with Montgomery County government before purchase2. The county-level answer also does not settle rules inside Winona or another municipality. Long-term RV occupancy, tiny homes, manufactured homes, accessory dwellings, agricultural structures and subdivision review all remain unconfirmed for private land. Ask the county whether an ordinance, recorded subdivision restriction, floodplain condition or road right-of-way affects the tract, and have the deed and parcel identification ready when you call.

How do septic permits work in Montgomery County, Mississippi?

The Mississippi State Department of Health administers on-site wastewater policy, design assistance and inspections, and Montgomery County is in its Central Region6. A permit is required to install an on-site wastewater system and to obtain a permanent water meter7. File the online application, submit the requested documents, and pay after MSDH sends an electronic payment link; MSDH says the paperwork follows the property visit10. If public sewer is available, the sewer provider has the first opportunity to serve the property and MSDH may require a rejection letter before processing septic7. Only 1.4% of county soils are rated without severe limitations for a conventional drain field, so make the site evaluation an early contingency rather than assuming a standard system will fit11.

Can you live in an RV or tiny home on your land in Montgomery County?

We could not confirm a Montgomery County rule that generally allows or prohibits living in an RV or tiny home on private land. Available county information indicates no county zoning, but that is not enough to establish parcel-specific occupancy, dimensional or sanitation rights3. Ask Montgomery County government about occupancy, setbacks, minimum dwelling size and any floodplain restrictions before buying or moving a unit onto the property2. Sanitation is clearer: Mississippi classifies gray water as wastewater, requires wastewater to flow to a central sewer or septic system, and does not allow gray water discharge onto the ground, into ditches or into bodies of water12. A self-contained RV therefore does not create an exemption from the need for an approved wastewater plan.

Building a home in Montgomery County: the steps, in order

  1. Confirm whether the parcel is unincorporated and ask Montgomery County government which office handles building permits, codes, inspections and floodplain review21.
  1. Ask for written confirmation of zoning, setbacks, minimum dwelling size and any subdivision restrictions because available county information indicates no zoning but an express countywide statement was not found3.
  1. Apply to MSDH for the wastewater site evaluation and permit before committing to a house location; only 1.4% of county soils are rated without severe limits for a conventional drain field1011.
  1. If the driveway meets a state highway, obtain the required MDOT permit for a new or altered drive9.
  1. If a planned well has surface casing at least 6 inches in diameter, check the state groundwater-withdrawal permit requirement and its exclusions13.

What should you check before buying land in Montgomery County?

Start with wastewater feasibility: only 1.4% of Montgomery County soils are rated without severe limits for a conventional septic drain field, so make a satisfactory MSDH evaluation part of the purchase decision1110. Verify legal road access and call the Montgomery County Road Department about county-road, bridge, drainage and right-of-way conditions; the department maintains county roads and bridges14. A new or altered connection to a state highway needs an MDOT permit9. Water planning matters too: the county averages 57.6 inches of precipitation annually, while severe drought occurs in 6.1% of years1516. Finally, budget around an effective property-tax rate near 0.9% and a median annual property-tax bill of about $9921718.

Watch-outs

  • Do not interpret the missing county building department page as a permit exemption; Montgomery County's residential permit and inspection process remains unconfirmed1.
  • Montgomery County's countywide zoning status is not expressly confirmed on an official page, and municipal rules may differ from rules on unincorporated land3.
  • Permanent water service requires an approved permanent sewage-disposal solution, and public sewer may take priority over a private septic system where service is available19.
  • Conventional septic feasibility is unusually constrained because only 1.4% of county soils are rated without severe drain-field limitations11.

Sources

  1. Miss. Code Ann. §19-5-9(11) (2026 county census)
  2. Montgomery County government (montgomerycountyms.com)
  3. Montgomery County, MS - Departments (2026 county census)
  4. MSDH - On-Site Wastewater (2026 county census)
  5. Mississippi Uniform Building Codes (Mississippi statewide rule), quoted and re-checked
  6. On-Site Wastewater - Mississippi State Department of Health, quoted and re-checked
  7. WasteWater FAQ - Mississippi State Department of Health, quoted and re-checked
  8. Mississippi Senate Journal, March 9, 2022 (Mississippi statewide rule), quoted and re-checked
  9. Mississippi Access Management Guide (Mississippi statewide rule), quoted and re-checked
  10. On-Site Wastewater - Mississippi State Department of Health, quoted and re-checked
  11. Share of soils without severe limits for a conventional septic drain field (USDA SSURGO): Bolthole Index county data
  12. WasteWater FAQ: gray water and temporary sanitation, quoted and re-checked
  13. Guidelines for Securing the Services of a Water Well Driller (Mississippi statewide rule), quoted and re-checked
  14. Montgomery County Road Department (montgomerycountyms.com)
  15. Annual precipitation: Bolthole Index county data
  16. Share of years in severe drought: Bolthole Index county data
  17. Effective property tax rate: Bolthole Index county data
  18. Median property tax bill: Bolthole Index county data
  19. WasteWater FAQ - Mississippi State Department of Health, quoted and re-checked

Written September 28, 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.

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County locator

Montgomery County in Mississippi

76
County map
Montgomery County highlighted among the Mississippi counties · colored by Index score

How Montgomery County scores

Seclusion67100% ev.
Self-Sufficiency65100% ev.
Admin Boringness7268% ev.
Durability66100% ev.
Property Autonomy39100% ev.
Carry Cost87100% ev.

Evidence strength: 95%. This reports direct-source completeness and fallback use; it is separate from the score and is not a confidence interval. How it works →

$119kTypical home
0.9%Property tax
$2,653Land / acre
57.6"Annual rain
6.1% of yrsSevere drought
14.5 / yr (+12.8)Mid-century 100°F days
16.9 daysMid-century dry spell
2.88" (+8.2%)Mid-century 1-day rain
1.48×Wildfire change factor
100%Forward climate coverage
$1,804Home insurance / yr
0.4% / yrInsurance growth
1.72%Nonrenewal rate
county median (2+ published ZIPs)Insurance basis
14,202People within 30 min
1,895,226People within 2 hr
15,435Radius comparison (15 mi)
23.6People / sq mi
0%Federal land
68.3%Land at 15% slope or less
1.4%Septic soil without severe limits
3,671 acWorkable land screen
78.8%Wooded land
58.2 tonsBiomass / forest ac
62.7°FAvg temp

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Answers from the rulebook for Montgomery County

What the ordinances and state agencies actually say — one answer per question, each quoted from the official source and independently re-checked.

Montgomery County rules

  • County-wide zoningAbsent

    No planning or zoning department or ordinance is listed among the county's official departments, consistent with unzoned rural Mississippi counties.

    Montgomery County, MS - Departments ↗Scouted from the county site, not yet independently re-checked

Mississippi rules that apply here

  • Owner-builder exemptionAvailable (with conditions)

    A person undertaking construction or improvement on the person's own residence or acting as the person's own general contractor for construction or improvement on that residence, for purposes of Mississippi residential builder and remodeler licensing requirements.

    • The exemption concerns the licensing chapter for residential builders and remodelers; it does not by itself establish exemption from a locally required building permit or inspection.
    • The same official legislative text also states that related exemptions have limits on permit applications or residences constructed within a one-year period, depending on the subsection and circumstances.
    “(1) This chapter shall not apply to: [...] (b) Any person who undertakes construction or improvement on his own residence, or who acts as his own general contractor in the performance of construction or improvement on his own residence;”
  • Building code adoptedPartial

    Mississippi counties and municipalities subject to the statewide uniform-building-code framework.

    • All counties and municipalities must enact uniform building codes unless they opted out prior to November 30, 2014.
    • The source describes the statewide framework but does not establish that every county or municipality currently has an adopted code.
    “Under Senate Bill 2378 of 2014, all counties and municipalities must enact uniform building codes unless they opt out prior to Nov. 30, 2014. Please complete the following information regarding your county or municipality’s building code policies.”
  • InspectionsLimited

    Pediatric skilled nursing facilities regulated by the Mississippi State Department of Health.

    • Upon completion of construction, the Licensing Agency must inspect and approve the facility before occupancy.
    • The state and county health departments may access the job site during regular business hours and conduct construction progress inspections as deemed necessary by the agency.
    “Upon completion of construction, an inspection shall be made by the Licensing Agency and approval given prior to occupying the building or any part thereof. The state and county health departments shall have access to the job site during regular business hours and shall conduct construction progress inspections as deemed necessary by the agency.”
  • Certificate of occupancyLimited

    Pediatric skilled nursing facilities regulated by the Mississippi State Department of Health at final inspection and close-out.

    • At final inspection, the State Agency must receive a Certificate of Occupancy or statement of approval from the local building official permitting occupancy for the facility's intended use.
    • If there is no local building authority, approval from the local fire authority having jurisdiction must be provided.
    • If the facility is state-owned and subject to the State Bureau of Buildings, Grounds and Real Estate Management, approval of occupancy must be coordinated between the state agencies involved.
    “A copy of the Certificate of Occupancy or statement of approval from the local building official permitting occupancy of the facility for its intended use. In the absence of a local building authority, approval of a local fire authority having jurisdiction shall be provided. If the facility is owned by the State of Mississippi and subject to the State Bureau of Buildings Grounds and Real Estate Management, approval of occupancy shall be coordinated between the state agencies involved;”
  • Who permits septicState

    Individual on-site wastewater systems and related permitting and inspection functions in Montgomery County.

    • The Mississippi State Department of Health Division of On-Site Wastewater administers statewide policy, regulations, technical assistance, design, and inspection functions.
    • Montgomery County is listed in MSDH's Central Region.
    “The On-site Wastewater program develops policy and regulations and provides technical assistance to regional environmentalists in designing and inspecting Individual On-site Wastewater Disposal Systems (IOWDS), recreational vehicle campgrounds/lodging parks, septage pumpers/haulers and individual water supplies.”
    One more reviewed finding on this topic
    • Mixed — Statewide individual onsite wastewater disposal systems; the Mississippi State Department of Health establishes the rules and the appropriate county Department of Health performs local inspections.
      “Notify the Department at least 48 hours before beginning construction if acting as the Certified Installer of an Individual On-site Wastewater Disposal System and, at that time, schedule a time for inspection of the system with the appropriate county Department of Health.”
  • Septic permitRequired

    Installation of an on-site wastewater disposal system and obtaining a permanent water meter in Montgomery County.

    • A permit is required for a water meter and installation of an on-site wastewater disposal system.
    • Permanent sewage disposal may be provided by a sewer line or septic system.
    • If public sewer is available, sewer systems have first right to provide service and MSDH may require a rejection letter before proceeding with septic application.
    “The Permit is required for a water meter and the installation of an on-site wastewater disposal system.”
  • Off-grid sanitationLimited

    Off-grid sanitation and gray-water disposal in Montgomery County.

    • Mississippi does not recognize gray water as a separate category.
    • Wastewater must be piped into a central sewer system or septic system.
    • Gray water may not be discharged on the ground, in ditches, or into bodies of water.
    • A local authority may allow temporary port-a-potty use until septic installation, but MSDH does not have jurisdiction over that temporary option.
    “Mississippi does not recognize gray water. Anything that could be considered gray water in other states is classified as wastewater in Mississippi. All wastewater is required to pipe into a central sewer system or a septic system for proper disposal. No “gray water” can be discharged on the ground, ditches, or bodies of water.”
  • Well permitLimited

    Groundwater withdrawal permits for water wells in Mississippi.

    • A groundwater withdrawal permit is required for water wells with surface casing diameters of 6 inches or greater.
    • Some exclusions apply.
    • A separate contractor licensing requirement generally applies, but a landowner may drill without a Water Well Contractor license for a single-family permanent residence or farm livestock use if applicable construction standards are followed.
    • Wells with surface casing diameters below 6 inches may still be regulated by the Mississippi State Department of Health when part of a public water system.

    surface casing diameter threshold: >= 6 inches (Some exclusions apply.)

    “State law requires that you obtain a groundwater withdrawal permit for water wells with surface casing diameters 6-inches or greater in diameter. Some exclusions apply to this requirement.”
  • Mandatory utility hookupConditional

    Public water connections and connection to centralized wastewater treatment systems for residences, buildings, and facilities in Mississippi.

    • A public water utility may not connect water service without prior written Department approval certifying that the sewage treatment and disposal plan complies with state law.
    • Water utility connections may be made during construction only if the Department approved the sewage plan and the owner agreed to inspection and approval before use or occupancy.
    • Where centralized wastewater treatment is constructed and becomes available, onsite systems must be abandoned and residences, buildings, or facilities connected to the centralized system.
    • Temporary onsite systems may be used only under the stated 36-month centralized-treatment conditions.

    centralized wastewater availability deadline: 36 months (The developer must sign a written agreement to connect when available and install internal sewage collection to the connection point.)

    “Where a Centralized Wastewater Treatment System is available, all places shall have a properly constructed connection to the centralized wastewater treatment system which all human excreta and other liquid waste shall be disposed”
    One more reviewed finding on this topic
    • Conditional — Permanent water-utility connections for property in Montgomery County.
      “State law requires you have permanent sewage disposal solution available to receive a permanent water meter. Permanent sewage disposal solutions can be a sewer line or septic system. You must have a sewer option before a water utility can make a connection to your property. If public sewer is not available in your area, you will have to apply to us for the proper paperwork.”
  • Driveway accessRequired

    Driveways and specified changes of use connecting to Mississippi state highways.

    • A permit is required for new driveways.
    • A permit is required for alterations to existing drives.
    • A permit is required for a change of use causing a daily-trip increase of 10% or 100 daily trips, whichever is greater.
    • A permit is required for property-use changes from non-commercial to commercial.
    • If access is expected to exceed 100 peak-hour trips, a traffic-impact study must be submitted.
    • If the permitted land use changes, the original permit is revoked and a new permit must be applied for.
    • A denied permit may be appealed within 10 days after receipt of the denial notification.

    daily trip increase threshold: 10 percent (or 100 daily trips, whichever is greater) · traffic impact study threshold: > 100 peak-hour trips · appeal deadline: 10 days (after receipt of denial notification)

    “For State Highways a permit is required for: 1. New driveways; 2. Alterations to existing drives;”
  • Building in a floodplainRequired

    Development or improvement activity on state-owned Mississippi property or buildings located in FEMA Special Flood Hazard Area zones A, AE, V, or VE.

    • The requirement applies to state-owned property or buildings.
    • For existing structures determined to involve less than a Substantial Improvement, no additional forms or approval are required after Step One.
    • For new development or a Substantial Improvement, the applicant must complete the Step Two form, obtain a Control Code, provide all required attachments, and submit final elevation certification and complete drawings and specifications.
    • Approval produces an initial approval letter and, after final requirements are approved, a final approval letter.
    • If Step Two is not approved and the project cannot be brought into compliance, a denial letter is issued.

    covered FEMA zones: A, AE, V, VE · substantial improvement threshold: less than a Substantial Improvement (no additional forms or approval required for the development project)

    “A development or improvement activity to state-owned property or building, [...] must complete a Floodplain Management Permit Application.”
  • Permit feesPublished (with conditions)

    Mississippi Department of Transportation over-dimensional and related permits statewide.

    • The published schedule applies to MDOT permit types, not a general statewide building-permit fee schedule.
    • Blanket permits are not prorated and are issued for one year unless otherwise specified.
    • Blanket permits must have valid insurance or a valid U.S. DOT number; if insurance expires or cancels, the blanket permit becomes invalid.
    • Overweight charges apply to weight exceeding 80,000 pounds or specified axle limits.

    oversize permit fee: 10 USD · oversize blanket fee: 100 USD · 72-hour legal trip permit fee: 25 USD · harvest permit fee: 25 USD · port permit fee: 170 USD per year · pole blanket fee: 200 USD

    “Oversize permit $10.00 Oversize Blanket $100.00”
    One more reviewed finding on this topic
    • Published (with conditions) — Published fees for Mississippi State Department of Health on-site wastewater applications relevant to Montgomery County.
      “Notice of Intent + Final Approval is currently $197.50 Notice of Intent + Exemption is currently $100 Existing Residential Inspection is currently $100 Private Water Well Sample is currently $10”
  • Permit processPartial

    Mississippi local permitting for businesses and business-related construction or land development.

    • Permits may be required from city or county governments.
    • Different locations have different requirements.
    • Building permits generally come from the city or county building and planning department for constructing or modifying a place of business.
    • Zoning permits generally come from the city or county building and planning department for developing land for specific commercial use.
    “You may be required to apply for permits and licenses from your local government (e.g., city or county). Different locations have different requirements.”
    One more reviewed finding on this topic
    • Published (with conditions) — Mississippi State Department of Health on-site wastewater application process for Montgomery County.
      “File a complete application. Our application forms for new onsite wastewater systems are now online. Apply online using the button below. [...] Pay fees. Once we receive a complete application, we will e-mail you a link to an online payment system (there is a small additional fee for online payment). [...] You will receive paperwork within 24 hours of the property visit.”
  • Campground & park staysLimited

    Recreational-vehicle occupancy at campgrounds under the jurisdiction of the Pearl River Valley Water Supply District, including Coal Bluff, Goshen Springs, Leake County Water Park, Low Head Dam, and Timberlake.

    • The rules apply within all campgrounds under the District’s jurisdiction.
    • Campgrounds are not intended to be permanent domiciles for campground guests.
    • A recreational vehicle must be in operable road-worthy condition, properly registered and insured in its domicile state or province, with a current license plate affixed.
    • Campers may not stay on any pad longer than 12 consecutive months; Standard Plus campers may move to another available pad after 12 months, but the District is not responsible for making a pad available.
    • Campsites are typically designed for trailers or recreational vehicles no longer than 32 feet or wider than 8 feet, subject to the stated RVIA-seal, holding-tank, facility-capacity, and prohibited-unit conditions.
    • Primitive camping areas without water, electricity, or sewer are not intended for recreational vehicles.
    • No permanent structures may be erected on a campsite; temporary accessibility stairs, stoops, steps, or ramps require the stated approvals and size limits.
    • Camping is confined to designated campground or overflow areas, and no more than one camping unit is allowed per pad without Campground Manager approval.

    maximum stay on one pad: <= 12 consecutive months (Campers may move to a different available pad after 12 months.) · typical campsite RV length: <= 32 feet (Larger units may be accepted if they satisfy the stated RVIA seal, holding-tank, and facility-capacity conditions.) · typical campsite RV width: <= 8 feet (Larger units may be accepted if they satisfy the stated RVIA seal, holding-tank, and facility-capacity conditions.)

    “Campers shall not stay on any pad longer than 12 consecutive months”
    One more reviewed finding on this topic

Still unanswered

We looked and could not find an official answer yet. Silence is not permission — ask the county directly.

  • Building permit — Residential and other building permits in Montgomery County.
  • Local zoning — Aggregate local zoning status across Montgomery County municipalities and unincorporated areas.
  • Zoning districts — Published zoning districts in Montgomery County.
  • Minimum dwelling size — Minimum dwelling size in Montgomery County.
  • Minimum lot size — Minimum lot size in Montgomery County.
11 more unanswered
  • Setbacks
  • Lot coverage
  • Building height
  • Living in an RV
  • Camping on your land
  • Tiny homes
  • Manufactured homes
  • Accessory dwellings
  • Agricultural exemption
  • Subdividing land
  • Short-term rentals

Each answer was extracted from an official source and independently re-checked against that source by a second reviewer. That is an evidence check, not legal advice. Rules change; confirm with the authority before you buy or build.

Living off-grid in Montgomery County, Mississippi

Is Montgomery County a good place to live off-grid or homestead?

Montgomery County scores 76/100 on the Bolthole Index, a strong county profile. Its strengths: manageable long-term carry cost and low administrative friction for a quiet rural property. Watch-outs: a weaker property-autonomy legal backdrop.

Do you need a building permit in Montgomery County, Mississippi?

Building-permit rules for unincorporated Montgomery County are not published on an official source, and it has no county-wide zoning. Onsite septic is permitted by Mississippi State Department of Health (MSDH) On-Site Wastewater program (administered locally via county health department). Owner-builders may act as their own contractor to build their home. These answers are quoted from official sources and independently re-checked. Rules change and cities within the county differ — always confirm with the county before you buy or build.

How much does land cost in Montgomery County, Mississippi?

Land in Montgomery County runs about $2,653 per acre, based on the latest county data.

What is the water situation in Montgomery County?

Montgomery County gets about 57.6" of rain a year, with severe drought in roughly 6.1% of years.

How remote is Montgomery County?

A representative private-land location has about 14,202 people within a 30-minute drive and 1,895,226 within two hours. The road-network catchments count population across county lines and clusters of smaller cities; straight-line radius values remain available as a comparison.

Off-grid gear

Going off-grid in Montgomery County means bringing your own water and power. The kit we’d start with:

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How Montgomery compares in Mississippi

Compare side-by-side →See all 82 Mississippi counties ranked →