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Building a new house in Nashville: the permit, the plans, the bond and the U&O letter

Yes: in Nashville a new house needs a building permit with site and building plans reviewed by every Metro department, issued to a Tennessee-licensed builder with a $40,000 permit bond, followed by its own electrical, plumbing and gas/mechanical permits and a Use and Occupancy letter. 2,252 builders pulled 10,208 new-home permits in Davidson County from September 2023 to September 2026, at a usual filed value of $264,404.

By Contractor Records · data through September 21, 2026

What Metro wants before it issues the permit

From Metro's drawing requirements for permits (read 23 October 2026):

Requirement Metro's rule for a new house
Plans "Site plans and building plans are required for all new buildings and additions", submitted as a PDF
Contents Foundation, floor, roof and framing plans, door and window schedule, plumbing, mechanical and electrical drawings, and energy compliance certificates under the 2018 IECC
Seal "Single family residences do not have to be sealed", unless the plans' title block shows an architect or engineer drew them; site plans must be sealed by a Tennessee land surveyor or engineer
Codes 2018 International Residential Code with local amendments; 2017 National Electrical Code; 2018 plumbing, mechanical and fuel gas codes
Who gets the permit "a contractor that is licensed in Tennessee, has a permit bond and a Metro Nashville business license"
Permit bond "$10,000.00 for projects up to $25,000.00 total and $40,000.00 for projects over $25,000.00 total"

The review starts with Metro's zoning examiners, who hand you a checklist of the departments that must sign off, such as water and sewer availability or the Historic Commission. The registered user tracks the review in ePermits; Metro's sheet says "THE REGISTERED USER IS RESPONSIBLE FOR TRACKING THE REVIEW".

Who can build: licensed builder or owner

The State requires a contractor's license "for projects $25,000 and up", with a monetary limit set at "10 times the lesser of working capital or net worth" (Board for Licensing Contractors, read 22 October 2026). At a usual $264,404 a Nashville house needs a builder whose limit covers the contract; check it on verify.tn.gov (Nashville contractor license lookup).

Owners can build their own house. Metro's 2021 permit guidance says "A property owner who presently occupies or intends to occupy a single-family residence or a licensed contractor may obtain a building permit to construct or repair a residence", and warns that the owner then "becomes totally responsible for code compliance including the work of subcontractors". The trades still go to licensed electricians, plumbers and mechanical contractors unless you pass Metro's homeowner exam for that trade. The trade-offs are in how to get an owner-builder permit.

From slab to move-in

  1. Building permit issued after every department signs off.
  2. Trade permits. Electrical, plumbing and gas/mechanical permits are pulled by the licensed trades under the building permit (see Nashville electrical, plumbing and HVAC permits).
  3. Water meter. "Meter installation requires a licensed plumber"; once the plumber pulls the meter permit, Metro books the meter inspection "for 30 business days after the date the permit is pulled" (Water Meter Inspection). Meters "must pass all final inspection criteria" before you can move in. Irrigation and sprinkler systems add a backflow preventer.
  4. Building final last. Metro: "a Building Final inspection should not be performed until all trade permits (gas/mechanical, plumbing, electrical) have been completed."
  5. Use and Occupancy letter. In ePermits, open the building permit, choose "Available Reports" and print the "CA Permit Status U&O REPORT"; when every inspection shows complete, request the letter by email or on 615-862-6550 (Use and Occupancy, read 23 October 2026).

If you are buying from a builder, ask for that U&O letter at closing. It is Metro's own statement that the house passed.

Fees

We could not find Metro's current building permit fee schedule online, and a new house also carries water and sewer charges set by Metro Water Services. Ask Codes (615-862-6500) and Metro Water for the totals on your lot before you sign a build contract.

What 10,208 Nashville new-home permits show

Measure Nashville new homes
Permits, September 2023 to September 2026 10,208
Builders 2,252
Builders with one permit only 1,243 (55.2%)
Builders with 10 or more 203
Builders with a permit in the last 12 months 1,163
Share held by the five busiest builders 12.5%
Usual filed value $264,404
Middle half of builders' usual value $95,000 to $348,538
Builders matched to an active state license by name 43.8%
Busiest / quietest month June (114) / November (77)

Nashville home building is spread across many small builders: 55.2% of builders filed a single new-home permit in three years, and the five busiest held only 12.5%. Only 43.8% of builders matched an active Tennessee license by business name, and unmatched is not the same as unlicensed, but on a job this size look the license up yourself. 85 builders with 5 or more permits filed none in the last 12 months. Prices by house value are on Nashville new home cost, and the monthly totals on Nashville permit statistics.

See every Nashville home builder by permits filed →

Before you sign

Run the builder through the Nashville home builder list and the state lookup, and read hiring a home builder. Other places' rules are in do I need a permit to build a house, and national costs in new home construction cost.

What this does not tell you

Metro's building permits in our copy carry no final date, so we cannot say what share of Nashville new homes reached a U&O letter or how long that took. Filed value is the construction value on the permit, not the sale price or the land. The owner-builder rule is quoted from Metro's 2021 guidance; confirm it with Codes before you plan around it.

How we know this

Plan, bond, meter and U&O requirements are quoted from Metro Nashville Codes pages and documents read 23 October 2026; the state license rules from the Tennessee Board for Licensing Contractors, read 22 October 2026. Permit counts are Metro Nashville Codes building permits for new one- and two-family homes in Davidson County, September 2023 to September 2026; license match is by business name against the Tennessee contractor file.

Numbers come from Metro Nashville (Davidson County) building and trade permits, data through September 21, 2026. Nobody paid to be on this page and nobody can.

Questions

  • Who can get a building permit for a new house in Nashville?

    Metro's drawing requirements say that after approval by all departments, a permit may be issued to a contractor licensed in Tennessee who has a permit bond and a Metro Nashville business license. Metro's 2021 permit guidance also lets a property owner who occupies, or intends to occupy, a single-family house get the building permit; the owner then answers for all the work, subcontractors included.

  • Do house plans need an architect's stamp in Nashville?

    Not for a single-family house, unless the plans carry a title block or anything showing an architect or engineer prepared them. Site plans must be sealed by a Tennessee-licensed land surveyor or engineer. Plans must include foundation, floor, roof and framing plans, door and window schedules, trade drawings and an energy compliance certificate.

  • How big is the permit bond for a Nashville builder?

    Metro's drawing requirements set the permit bond at $10,000 for projects up to $25,000 total and $40,000 for projects over $25,000. A new house is over that line, so expect the $40,000 bond.

  • How much does a new house cost to build in Nashville?

    The usual new-home permit in our file was filed at $264,404, and the middle half of builders usually file between $95,000 and $348,538. That is the construction value written on the permit, not the land or the sale price.

  • When can I move into a new house in Nashville?

    After the Use and Occupancy letter. Metro says the building final should not be done until the gas/mechanical, plumbing and electrical permits are complete, and the water meter must pass inspection. You then request the letter by email or on 615-862-6550 with the permit status report from ePermits.

Build your own list

Every firm with that kind of permit on record. Pick what you value. The list moves.