Bolthole Index

Tennessee · Off-grid & homestead potential

Stewart County

85Index Score / 100
#4 of 95 in Tennessee

Stewart County scores 85/100 on the Bolthole Index, a strong county profile. Its strengths are manageable long-term carry cost and low administrative friction for a quiet rural property.

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Stewart County in Tennessee

85
County map
Stewart County highlighted among the Tennessee counties · colored by Index score

How Stewart County scores

Seclusion65100% ev.
Self-Sufficiency65100% ev.
Admin Boringness7690% ev.
Durability67100% ev.
Property Autonomy71100% ev.
Carry Cost84100% ev.

Evidence strength: 98%. This reports direct-source completeness and fallback use; it is separate from the score and is not a confidence interval. How it works →

$251kTypical home
0.5%Property tax
$4,031Land / acre
53.1"Annual rain
5.5% of yrsSevere drought
10.3 / yr (+9.2)Mid-century 100°F days
14.7 daysMid-century dry spell
2.5" (+5.7%)Mid-century 1-day rain
1.66×Wildfire change factor
100%Forward climate coverage
$1,722Home insurance / yr
2.1% / yrInsurance growth
1.36%Nonrenewal rate
county median (2+ published ZIPs)Insurance basis
5,873People within 30 min
1,894,387People within 2 hr
25,088Radius comparison (15 mi)
30.9People / sq mi
14.6%Federal land
46.8%Land at 15% slope or less
5.2%Septic soil without severe limits
14,216 acWorkable land screen
81.1%Wooded land
62.8 tonsBiomass / forest ac
58.7°FAvg temp

Scout Stewart County

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Property hunt

Find land. Bring the promising ones back.

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Building & land-use rules in Stewart County

What it takes to build here — permits, zoning, and septic — scouted from Stewart County’s own official sources.

  • Building permitNot required

    Stewart County is an opt-out / non-code jurisdiction (it hosts the state 'Statewide Building Construction Code Inspections in Opt-Out' notice), so no residential building permits or inspections are required for one- and two-family dwellings in unincorporated areas; the City of Dover enforces its own codes within its limits.

    Stewart County - Statewide Building Construction Code Inspections in Opt-Out notice
  • County zoningNone county-wide

    Stewart County lists no county planning or zoning department; codes/zoning are administered only by the City of Dover, indicating no county-wide zoning in unincorporated areas.

    Stewart County Government - Official Site
  • Septic permittingTennessee Department of Environment and Conservation (TDEC) - Division of Water Resources

    Subsurface sewage disposal (septic) systems require a Septic System Construction Permit issued by TDEC's Division of Water Resources under Rule 0400-48-01, statewide including Stewart County.

    TDEC - Subsurface Sewage Disposal Systems (SSDS)
  • Owner-builderNot published

    Not published on an official source — confirm with the county.

  • Building inspectionsNot required

    State Fire Marshal jurisdiction table lists Stewart County OPT OUT; municipalities may differ.

    TN State Fire Marshal
  • Occupancy certificateNot published

    Not published on an official source — confirm with the county.

  • Septic permitRequired

    TDEC SSDS construction permits are required.

    TDEC SSDS Permits
  • Septic inspectionNot published

    Not published on an official source — confirm with the county.

    TDEC SSDS Permits
  • Off-grid sanitationNot published

    Not published on an official source — confirm with the county.

    TDEC SSDS Permits

Always confirm current rules with Stewart County Government before you buy or build. Scouted Aug 2026 from official county sources.

Living off-grid in Stewart County, Tennessee

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

Stewart County scores 85/100 on the Bolthole Index, a strong county profile. Its strengths: manageable long-term carry cost and low administrative friction for a quiet rural property.

Do you need a building permit in Stewart County, Tennessee?

Stewart County does not require a county building permit for a home in unincorporated areas, and it has no county-wide zoning. Onsite septic is permitted by Tennessee Department of Environment and Conservation (TDEC) - Division of Water Resources. Rules change and cities within the county differ — always confirm with the county before you buy or build.

How much does land cost in Stewart County, Tennessee?

Land in Stewart County runs about $4,031 per acre, based on the latest county data.

What is the water situation in Stewart County?

Stewart County gets about 53.1" of rain a year, with severe drought in roughly 5.5% of years.

How remote is Stewart County?

A representative private-land location has about 5,873 people within a 30-minute drive and 1,894,387 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 Stewart County means bringing your own water and power. The kit we’d start with:

WaterCrystal QuestFilter any source — well, rain, or creek — to drinking-clean.PowerBluettiSolar generators and home battery backup for living off the grid.

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How Stewart compares in Tennessee

Compare side-by-side →See all 95 Tennessee counties ranked →