Murfreesboro
Rutherford County’s seat, with a 2026 city rate, impact fees and floodplain rules
Rutherford County · Jurisdiction guide
Who zones, who permits and what to request, parcel by parcel
Murfreesboro is organized by jurisdiction first. Inside city limits, the Zoning Ordinance sets base districts and overlays such as H-1 and the City Core Overlay. Outside them, Rutherford County zoning applies, including, per a January 2017 city draft, in the urban growth boundary. No neighborhood-level planning areas appear in the sources opened, so confirm each parcel’s jurisdiction, district and recorded documents.
In short: Murfreesboro rules depend on jurisdiction first: city zoning and overlays inside city limits, Rutherford County zoning outside them, so confirm each parcel's jurisdiction, district and recorded documents.
A reference guide to jurisdiction and rules, not legal, tax or engineering advice, and not a guide to which area to live in. Updated October 2026.
The same street can sit in different regulatory categories at once. This table lists the categories the sources describe, not any individual area.
| Area type | Who governs | What to request | Source |
|---|---|---|---|
| Inside Murfreesboro city limits (base zoning district) | The Zoning Ordinance (Appendix A of the City Code) says the Planning Commission makes recommendations to the City Council on amendments and reviews and approves site plans, the Board of Zoning Appeals grants variations in cases of hardship, a zoning administrator issues zoning permits, and the Building Official issues building permits and certificates of occupancy. MTAS says a Tennessee city’s chief legislative body adopts and amends the zoning ordinance, and its planning commission certifies the zoning plan to the governing body | The parcel’s district and the text of that district from the zoning district map and Appendix A, in writing from the city’s Planning and Engineering Department | Notes 1, 11 |
| City overlay districts | Section 24 of the Zoning Ordinance lists the Airport Overlay (AOD), Gateway Design Overlay (GDO), Historic District (H-1), Planned Signage Overlay (PS) and City Core Overlay (CCO). The ordinance defines an overlay as a district that encompasses one or more underlying zones | Whether the parcel is in any overlay, and the overlay article that applies in addition to the base district | Notes 1, 3 |
| Local historic district (H-1) and the East Main Street Historic Zone | The Historic Zoning Commission, a nine-member body, oversees historic district boundaries and guidelines. Its rules say it reviews exterior work, new construction, additions, demolition and relocation in Council-designated historic districts | Whether a certificate of appropriateness is needed, and any past certificates for the property | Notes 2, 3 |
| Planned developments | Section 13 of the Zoning Ordinance covers planned development regulations, defined as land under unified control that is planned and developed as a whole. City Planning Commission agendas use the labels PRD and PUD without defining them | The approved plan and any conditions attached to the zoning, from the Planning and Engineering Department | Notes 1, 3 |
| Recorded subdivisions | The Planning Commission adopts the city’s Subdivision Regulations. Under Tennessee law a planning commission approves or disapproves a plat, and approval comes before recording. The plat itself is a recorded document | The recorded plat, its notes and any recorded restrictions, from the Register of Deeds or a title company | Notes 4, 9, 11 |
| Land in the urban growth boundary but outside city limits | The city’s Murfreesboro 2035 growth chapter (a January 2017 draft) says the city currently has no authority to regulate use, intensity (bulk, height or number of buildings) or density in its urban growth boundary. CTAS says a county keeps its zoning authority in a growth boundary. Annexation is by resolution with a referendum or owner consent | Written confirmation from the city and the county of which one zones and permits the parcel, and whether any annexation is pending | Notes 4, 10, 11 |
| Unincorporated Rutherford County | The Rutherford County Zoning Ordinance applies “within the unincorporated Rutherford County.” The county Building Codes Department issues permits for the unincorporated county only, shown on a map | A Certificate of Zoning Compliance from the county Planning Department, plus the septic map and permit where there is no city sewer | Notes 7, 8, 16 |
| Special flood hazard area (either jurisdiction) | FEMA maps the area. The city says a permit is required for all development in it under its Section 34 floodplain regulations. The county ordinance has a Flood Hazard District | The parcel’s FEMA map, and the city’s written answer on permits | Notes 5, 7, 14 |
| Utility service area | Water comes from one of two Rutherford County utilities, found on the city’s service area map. Electric service for the former Murfreesboro Electric Department area now comes from Middle Tennessee Electric | The provider for the address, in writing | Note 15 |
The numbers refer to the Sources list. The sources opened for this guide do not describe neighborhood-level planning areas or sectors in Murfreesboro, so none are named here.
Only names that an official source uses for a district, overlay or historic district appear below. Designation dates are given only where a source states one.
| Name | What it is | Designating body and date, as stated | Source |
|---|---|---|---|
| H-1, Historic District (a Historic Zoning Overlay District) | City zoning overlay, Section 24, Article IV of the Zoning Ordinance. A 2025 Historic Zoning Commission agenda describes a property as zoned RS-15 and under the local H-1 overlay, and also in the CCO overlay | The Historic Zoning Commission’s rules refer to historic districts designated by the City Council. No designation date appeared in the pages opened. The ordinance notice shows a last revision of May 21, 2026 (Ordinance 26-O-13) | Notes 1, 2, 3 |
| East Main Street Historic Zone | The zone the city names on its Historic Zoning Commission process page, where a certificate of appropriateness is needed for new structures, additions, demolition, relocation and exterior alteration | The page gives no designating body or date. The sources do not say whether its boundary matches the National Register district of a similar name below | Note 2 |
| AOD, GDO, PS and CCO overlays | City overlay districts: Airport, Gateway Design, Planned Signage and City Core | Created by the Zoning Ordinance, whose original article became effective February 3, 1984 and which was last revised May 21, 2026. Dates for each overlay were not in the text readable here | Notes 1, 3 |
| East Main Street Historic District | National Register of Historic Places district, “roughly E. Main, E. Lytle, College, University and E. Vine Sts.” | National Park Service. Its record shows “Date Published: 7/11/1985,” which is a publication date and not necessarily the listing date. A secondary list gives July 11, 1985 as the listing date | Notes 12, 13 |
| North Maney Avenue Historic District | National Register district, “roughly bounded by N. Maney and N. Highland Aves., E. College St. and N. Academy Ave.” | National Park Service. Its record shows “Date Published: 4/4/1985.” A secondary list gives April 4, 1985 as the listing date | Notes 12, 13 |
| Murfreesboro Veterans Administration Hospital Historic District | National Register district in Murfreesboro | National Park Service. The record opened shows no listing date. A secondary list gives March 12, 2012 | Notes 12, 13 |
| Special Character Districts: VNC, RC and EAC | County zoning districts (Village Neighborhood Center, Rural Center, Employment and Activity Center) that the county ordinance’s purpose statement describes as areas “unique in some way,” as identified in a long-range plan. The ordinance text does not name particular places in the pages read | Rutherford County Board of Commissioners, ordinance adopted November 15, 2012, effective January 1, 2013, amended through December 11, 2025 | Note 7 |
| County base, PUD and Flood Hazard districts | AR, RL, RM, RMF, MHP, OP, IN, CN, CS, CG, LI and HI base districts; a Planned Unit Development District; and a Flood Hazard District, all listed in Section 301 of the county ordinance | Same county ordinance and dates as above | Note 7 |
Not a district: the city’s Future Land Use Map (2023) page lists four map sheets labeled Area 1 through Area 4, dated 2023-03-01 in the file names. The page does not describe them as planning areas or sectors, so this guide does not treat them as such (Note 4). A National Register listing is a federal designation; whether it limits a private owner’s use of a property is covered in the verify table below (Note 12).
Tennessee’s municipal planning and zoning sources describe the layers as follows. A city’s chief legislative body adopts its zoning ordinance, and the planning commission certifies the plan, text and maps to it (Note 11). A county may exercise zoning powers outside municipalities after adopting a zoning ordinance and map (Note 11). Murfreesboro’s ordinance and the county’s ordinance are written for different land, inside the city and in the unincorporated county, which is why the first check is whether the parcel is inside the city.
The urban growth boundary. Tennessee’s 1998 growth law (Public Chapter 1101) has each county adopt a growth plan that identifies municipal urban growth boundaries, planned growth areas and rural areas (Note 10). The city’s Murfreesboro 2035 growth chapter, a January 2017 draft, defines its “Planning Area” as city limits plus its urban growth boundary, says the city currently has no authority to regulate use, intensity or density there, and says property in the boundary is not subject to the city property tax (Note 4). That chapter is a draft more than nine years old, so ask the city whether the statements still stand. CTAS says a city with extraterritorial zoning power cannot zone outside its growth boundary and that a county retains zoning authority within a growth boundary (Note 11).
Annexation. MTAS, in a page reviewed January 5, 2026, says municipalities may annex by resolution for referendum or by resolution with owner consent, and that annexation by ordinance is no longer permitted. It also says property used primarily for agricultural purposes can be annexed only with owner consent (Note 10). A TACIR summary says no municipality may annex territory in another municipality’s urban growth boundary even at an owner’s request (Note 10). If the parcel could be annexed, the zoning, permitting office and tax bill could change, so ask both the city and the county.
Permitting offices. The county Building Codes Department says it issues permits for the unincorporated county only and that all other jurisdictions have their own building code departments (Note 8). The city’s historic process sends an approved certificate of appropriateness to its Building and Codes Department for code review before a building permit (Note 2). For a Williamson County, Tennessee town with its own separate rules, see Nolensville.
Figures appear only with the year the source gives. Amounts change, so treat them as pointers to what to ask for.
| Item | What the source says | Year or date | Source |
|---|---|---|---|
| City property tax | Ordinance 26-O-22 levies the city tax at $0.7529 per $100 of assessed value; taxes are delinquent on and after March 1, 2027 | 2026 tax year | Note 6 |
| How the city bill works | The Rutherford County Property Assessor makes assessments, the county applies the city’s rate and prints the notices, and the city’s Finance and Tax department collects. Residential assessed value is the appraisal times 25%. The page says taxes are due October 1 through February 28, with interest from March 1 at 1.5% a month | Page as read October 10, 2026 | Note 6 |
| County property tax rate | Not stated in this guide. The county sources opened for this guide did not give a rate, so ask the Rutherford County Trustee for the current rate and billing | Ask for the current year | No source read |
| County School Facilities Tax | $1.50 per square foot of floor area on new residential development, effective October 1, 2024. The county page says it is payable at the Building Codes Department and is now paid in full once construction is complete, before a certificate of occupancy, after previously being split between permit and occupancy. Other county and city pages may describe the timing differently, so confirm with the department | Effective October 1, 2024; collection policy revised March 13, 2025 | Note 8 |
| City development impact fees | The city’s page says its Development Impact Fee became effective July 1, 2023 and links Ordinance 23-O-21; the fees fund roads, parks, public safety and other listed purposes. The July 2025 schedule lists $2.500 per square foot of gross floor area for single-family residential, capped at $10,952 per dwelling unit. The city page lists a 2025-2026 schedule effective July 1, 2025, so ask for the schedule in force when you permit | Schedule effective July 1, 2025 (2025-2026) | Note 6 |
| Land disturbance and stormwater | The city requires a land disturbance permit for projects disturbing one acre or more, including subdivisions that reach that size, and a stormwater management plan. An engineer’s certification of stormwater controls is due before a certificate of occupancy or before the city signs a subdivision plat | Page as read October 10, 2026 | Note 5 |
| Water | Murfreesboro addresses can have service from Murfreesboro Water Resources Department or Consolidated Utility District; the city tells owners to use its service area map to find the right one | Page as read October 10, 2026 | Note 15 |
| Electric | Middle Tennessee Electric announced on January 10, 2020 that the Murfreesboro Electric Department would join it. A later MTE release says the merger was finalized and that MTE serves former customers of the department. Confirm the provider for the address with MTE | Announcement January 10, 2020 | Note 15 |
Request these in writing from the office named, and bring your attorney or title company into anything that affects ownership or use.
| Check | Why it matters | Source |
|---|---|---|
| City limits, growth boundary or unincorporated | It decides whether the city or the county zones and permits the parcel, and which tax bills apply. The county’s planning FAQ does not explain how to tell whether a parcel is inside a city | Notes 4, 7, 8 |
| Base district, overlays and written zoning verification | The county issues a Certificate of Zoning Compliance that “verifies zoning” and checks for flood issues. For a city parcel, ask Planning and Engineering for the same in writing, including any overlay | Notes 1, 7 |
| Historic review | In the East Main Street Historic Zone a certificate of appropriateness is needed before applying for a building permit for exterior work. A National Register listing is separate: the National Park Service says federal listing places no restrictions on what a non-federal owner may do with a property, while state or local laws may apply | Notes 2, 12 |
| Planned development approvals | Zoning labeled PUD or PRD can carry its own approved plan. Ask what plan and conditions apply, and whether the property conforms | Notes 1, 3 |
| Recorded plat, covenants and any association documents | These are recorded or private documents that the zoning district does not show. The Register of Deeds says it suggests a thorough title search by a title company and is not licensed to perform title searches | Notes 9, 11 |
| Flood map and permit history | The FEMA Flood Map Service Center searches by address. The city says a permit is required for all development in the special flood hazard area. Its substantial-improvement page uses “market value” in its definition and “assessed value” in its procedure, so ask the city which basis it applies | Notes 5, 14 |
| Stormwater and land disturbance | Projects that disturb one acre or more need a city permit and stormwater plan; the certification ties to certificates of occupancy and plat signing | Note 5 |
| Fees on new construction | Ask for the School Facilities Tax and, in the city, the impact fee schedule in force on the permit date | Notes 6, 8 |
| Septic, where there is no sewer | TDEC’s septic construction permit page sends applications to its Division of Water Resources at the appropriate Environmental Field Office. It says review generally takes 10 days and must be completed within 45 days of the application, and a soils map by a soil scientist may be required | Note 16 |
| Utility provider | Water and electric providers depend on the address | Note 15 |
| Tax bill and appraisal | Search the parcel on the Assessor’s site by owner, address or map and parcel number, then ask the Trustee and the city about current rates and billing | Notes 6, 9 |
This guide does not say where to live, and it does not compare, rank or describe any area’s character, quality, prices or residents. It does not decide which zoning district, overlay or historic review a particular parcel is in, whether a use is allowed, whether a parcel will be annexed, what a tax or fee will be for your project, or whether title or covenants are clear. Those are parcel-level answers from the city, the county, the Assessor and Trustee, a surveyor, a title company and your attorney.
The city blocks automated reading of some of its pages, including its Current Planning Process and permit-application pages, the May 2026 ordinance PDF and its stormwater code, so we did not read them. The ordinance text we could open showed its table of contents, definitions and administration sections but not the full list of base districts. We found no official named planning areas, sectors, or lists of recorded subdivisions on pages we could open. For the city and county as a whole, see the Murfreesboro community page and the Rutherford County market guide. Rules and fees change; confirm current text with the offices named.
Tell us the address or parcel you are considering and where you are in the process. An ABODE advisor can help you decide which checks to commission first, such as written jurisdiction and zoning verification, the recorded plat and any covenants, the flood map and fee questions, and can bring in the surveyor, attorney, title company, septic soil scientist or lender you choose. ABODE represents buyers and sellers and has an office in Murfreesboro.
This page is a reference and does not replace advice from those professionals or answers from the city and county.
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The sources we opened did not show any. The city’s Future Land Use Map page lists four map sheets labeled Area 1 through Area 4 without describing them as planning areas, and the city’s growth chapter defines a “Planning Area” as city limits plus its urban growth boundary. For zoning, the city uses base districts, overlays and planned development rules in its Zoning Ordinance.
In unincorporated Rutherford County the county’s Zoning Ordinance applies, and the county Building Codes Department issues permits there. The city’s own growth chapter, a January 2017 draft, says it has no authority to regulate use in its urban growth boundary. Confirm both in writing for the specific parcel.
H-1 is the Historic District overlay in Section 24, Article IV of the city’s Zoning Ordinance, and the Historic Zoning Commission reviews exterior work, new construction, additions, demolition and relocation in Council-designated historic districts. Ask the Planning and Engineering Department whether a parcel is in one.
The National Park Service says federal listing places no restrictions on what a non-federal owner may do with a property, though federal assistance can bring restrictions and state or local preservation laws may apply. A local overlay such as H-1 is a separate city rule.
No. The city’s growth chapter, a January 2017 draft, says the city has no authority within its urban growth boundary to regulate use and that property there is not subject to the city property tax. Ask the city whether that still holds. Annexation is a separate step, by resolution with a referendum or owner consent according to MTAS.
The county School Facilities Tax is $1.50 per square foot of floor area on new residential development since October 1, 2024. The city also imposes development impact fees; its July 2025 schedule lists a single-family rate and cap, but ask for the schedule in force when you permit.
Zoning does not show them. Ask for the recorded plat and any recorded restrictions, and for association documents if there is an association. The Register of Deeds suggests a thorough title search by a title company.
No. It covers jurisdiction and rules only and does not describe, rank or compare areas.
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