Merrimack County, New Hampshire has no county building department or zoning office; permits and zoning are handled town by town12. Concord requires a building permit, while a one- or two-family home is outside the state permit system in a town without local code enforcement13. Septic approval comes from NHDES4.
At a glance
- Building permit
- No county permit; Concord requires one, but a one- or two-family home is exempt from the state system in towns without local code enforcement13
- Zoning
- No countywide zoning; each town sets its own, and Concord has a full zoning ordinance2
- Septic
- Approved statewide by NHDES, not the county4
- RV living
- Campgrounds allow temporary stays only; a year-round site must meet the state's single-family septic standard5
- Accessory dwelling unit
- Allowed where a municipality permits single-family homes, subject to water, septic and local conditions6
- Owner-builder exemption
- Unconfirmed for Merrimack County; ask your town's building office directly7
- Wells
- No universal state well-construction permit; the contractor must file a completion record within 90 days8
Who to call
Building permits
City of Concord Code Administration Division
Building, housing and health/licensing permits for the City of Concord, the Merrimack County seat; other towns in the county issue their own permits
37 Green Street, Concord, NH 03301
Planning & zoning
City of Concord Planning Division
Zoning Ordinance administration, Zoning Board of Adjustment applications, and site plan/subdivision review for the City of Concord
41 Green Street 3rd Floor, Concord, NH 03301
Septic permits
New Hampshire Department of Environmental Services, Subsurface Systems Bureau
Statewide review and approval of septic (subsurface sewage disposal) system construction and operation, including in Merrimack County
29 Hazen Drive, Concord, NH 03302-0095
Also useful
Merrimack County Register of Deeds
Recording and public search of deeds, mortgages, liens, plans and other real-estate documents for Merrimack County
163 North Main St, Suite 103, Concord, NH 03301
Also useful
Merrimack County Administration Office
General county government administration under the Board of Commissioners; a starting point if you can't tell which county office handles something
333 Daniel Webster Highway STE 2, Boscawen, NH 03303
Contact details are copied from each office’s official page and were checked against it on September 29, 2026.
Do you need a building permit in Merrimack County, New Hampshire?
Merrimack County itself issues no building permits: New Hampshire handles building permits at the municipal, not the county, level1. Concord requires a permit before construction and enforces the state building code1. Elsewhere in the county, a one- or two-family home is outside New Hampshire's state building permit system if the municipality has not adopted local building-code enforcement; where a town has adopted enforcement, its local process applies3. Separate electrical, plumbing, mechanical and fire-protection permits apply under the state permit system3. For a completed application, the building official generally has 30 days to approve or deny it; nonresidential work and residential applications encompassing more than 10 dwelling units generally have a 60-day decision period9. Ask the town where the parcel lies which permit process applies.
Who issues building permits in Merrimack County, and how do you reach them?
There is no Merrimack County building department1. Inside Concord, the Code Administration Division at 37 Green Street handles building, housing and health or licensing permits and can be reached at 603-225-858010. Concord's zoning administration is in the Planning Division at 41 Green Street, reachable at 603-225-85151011. Outside Concord, start with the municipality where the parcel lies because permits are issued locally1. The state fire marshal's direct permitting, inspections and certificates of occupancy cover buildings owned by New Hampshire, the community college system or the university system, rather than ordinary private homes12. Merrimack County's Administration Office at 333 Daniel Webster Highway in Boscawen, (603) 796-6800, is a general county contact if you are unsure which local government serves the parcel13.
Does Merrimack County have zoning?
Merrimack County has no countywide zoning ordinance; zoning in New Hampshire is set town by town2. Concord has a zoning ordinance with districts and allowed uses, enforced by the Planning Division211. New Hampshire municipalities with zoning must allow accessory dwelling units in every district that permits single-family homes, provided adequate water and sewage disposal are available; local owner-occupancy, parking, design and other statutory conditions may still apply6. An accessory dwelling unit generally must offer at least 750 square feet of living space and may be capped at 950 square feet unless the municipality authorizes more6. Setbacks, minimum lot sizes and other dimensional rules remain local questions because no countywide schedules were confirmed. Agricultural uses are not automatically free of dimensional, setback, driveway, parking, noise or odor rules; a landowner may seek a limited waiver from the local board after notice and a hearing14.
How do septic permits work in Merrimack County?
Septic systems in Merrimack County are approved by NHDES, not the county4. State law requires prior approval of the disposal plans before constructing a building that will discharge sewage or constructing the disposal system itself15. NHDES may delegate inspection to a qualified municipal official, and locally approved plans must also be submitted where a local board requires them16. A system cannot be covered or operated before final inspection and approval17. A lot smaller than 5 acres generally needs subdivision approval before it can receive individual sewage disposal system approval unless a listed exception applies18. The NHDES application fee is $45019. Only about 3% of county soils are rated without severe limits for a conventional drain field, so obtain a site evaluation before assuming a standard field will work20. A building generally must connect when a public sewer is within 100 feet, although a municipality may increase that distance or grant a qualifying waiver21.
Can you live in an RV or tiny home on your land in Merrimack County?
New Hampshire treats occupancy at a licensed campground or camping park with at least 2 campsites as temporary recreational use, not permanent residency5. A site intended for year-round RV occupancy must meet the state's sewage-disposal construction standard for a single-family home5. Use of an RV on private property for no more than 7 days in a calendar year follows a state statement-of-compliance process filed with the town within 7 days before use5. We could not confirm a countywide rule for longer RV occupancy or tiny homes, so ask the parcel's municipality about zoning and occupancy. A composting or incinerator toilet needs no NHDES approval in a structure without internal plumbing or supplied water, but adding plumbing or supplied water requires an approved disposal system even when the toilet is not connected to it22. A qualifying accessory dwelling unit is allowed where local zoning permits single-family homes, subject to water, sewage and municipal conditions6.
Building a home in Merrimack County: the steps, in order
- Ask the parcel's town whether it enforces the building code locally; that determines whether the state-system exclusion for one- or two-family homes applies3.
- Check the town's zoning and dimensional rules; Concord applicants use the Planning Division11.
- Confirm whether a lot under 5 acres already has the subdivision approval needed for septic review or qualifies for an exception18.
- Obtain NHDES approval for the septic design before construction and budget for the $450 application fee1519.
- Submit the complete building application to the local official; the general decision period is 30 days, or 60 days for nonresidential work and residential applications covering more than 10 dwelling units9.
- Request required building inspections before work is concealed23.
- Obtain final septic approval before covering or operating the system17.
- Confirm whether the town requires a certificate of occupancy before moving in24.
What to check before you buy land in Merrimack County, New Hampshire
Water: no universal state construction permit was confirmed for an ordinary private well, but the contractor must file a completion record within 90 days after completion8. Soils and septic: only about 3% of county soils are rated without severe limits for a conventional drain field, and a lot under 5 acres may also need subdivision approval before septic approval2018. Terrain: roughly 76% of Merrimack County land has a slope of 15% or less, while about 86% is wooded2526. Location: population density is about 168 people per square mile, and the nearest city of 100,000 or more is about 25 miles from the county center in a straight line2728. Taxes: the effective property tax rate is about 2%, and the median annual property tax bill is about $6,6172930. We could not confirm countywide floodplain, driveway or access rules, so ask the parcel's town before closing.
Watch-outs
- Concord moved all zoning administration, including Zoning Board of Adjustment applications, from the Code Administration Division to the Planning Division effective September 30, 2024; use the Planning Division for any zoning question in the county seat1011.
- NHDES raised its statewide septic (sewage disposal) permit application fee from $300 to $450 effective July 1, 2025; budget for the current amount, not an older figure you may see elsewhere19.
- Whether a one- or two-family home in your specific Merrimack County town needs a building permit depends on whether that town has adopted its own building-code enforcement mechanism; we could not confirm this town by town, so ask your town office directly3.
- Merrimack County's owner-builder exemption status is unconfirmed; do not assume one exists without checking with your town's building office7.
- For a lot under 5 acres, confirm subdivision status before paying for a septic design because NHDES generally will not consider the system without subdivision approval or a listed exception18.
Sources
- City of Concord Code Administration Division (2026 county census)
- City of Concord Zoning Code (Title IV) (2026 county census)
- Chapter 155-A New Hampshire Building Code (New Hampshire statewide rule), quoted and re-checked
- NHDES Septic Systems (2026 county census)
- Chapter 216-I Recreational Campgrounds and Camping Parks (New Hampshire statewide rule), quoted and re-checked
- Section 674:72 Accessory Dwelling Units, quoted and re-checked
- (2026 county census)
- RSA 482-B:10 Record of Wells; Monitoring Wells (New Hampshire statewide rule), quoted and re-checked
- Chapter 155-A New Hampshire Building Code, quoted and re-checked
- City of Concord Code Administration Division (concordnh.gov)
- City of Concord Planning Division (concordnh.gov)
- Section 155-A:2 State Building Code, quoted and re-checked
- Merrimack County Administration Office (merrimackcounty.net)
- RSA 674:32-c — Other General Provisions (New Hampshire statewide rule), quoted and re-checked
- RSA 485-A:32 Prior Approval; Permits (New Hampshire statewide rule), quoted and re-checked
- RSA 485-A:29 Submission and Approval of Plans and Specifications (New Hampshire statewide rule), quoted and re-checked
- RSA 485-A:29 Submission and Approval of Plans and Specifications (New Hampshire statewide rule), quoted and re-checked
- Part Env-Wq 1000 Subsurface Disposal Systems, quoted and re-checked
- New Hampshire Department of Environmental Services, Subsurface Systems Bureau (des.nh.gov)
- Share of soils without severe limits for a conventional septic drain field (USDA SSURGO): Bolthole Index county data
- RSA 147:8 Toilets; Drains (New Hampshire statewide rule), quoted and re-checked
- Env-Wq 1000 Subdivisions and Individual Sewage Disposal Systems (New Hampshire statewide rule), quoted and re-checked
- Saf-C 8100 State Building Permit System (New Hampshire statewide rule), quoted and re-checked
- Saf-C 8100 State Building Permit System (New Hampshire statewide rule), quoted and re-checked
- Share of land at 15% slope or less: Bolthole Index county data
- Wooded share of land: Bolthole Index county data
- Population density: Bolthole Index county data
- Distance to the nearest metro area: Bolthole Index county data
- Effective property tax rate: Bolthole Index county data
- Median property tax bill: Bolthole Index county data
Written September 29, 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.