There are no doubt many reasons for the shortage of affordable housing. One very large factor is government fees and regulations. If you wish to build a home on your own land in Hall County, you must buy a building permit, electrical permit, sewer or septic permit, water permit, driveway permit and perhaps others, along with water or sewer tap-on fees.You may have to pay a fee to get permission to build from the zoning commission or building official.If on septic, you will have to pay hundreds of dollars to test the soil.