"The zoning here is such that a homeowner can do any repair work they please on their own without having to get a permit or licensed contractor."
Wow, that's pretty strict for a "small town". Most places allow you to make repairs without a permit or contractor as long as you're not making changes.
For example, I needed a permit to put in an interlock and receptacle for a generator. If something breaks the receptacle, I can replace it with the same model/type/size without a permit. If I replaced it with a different type/size then I would need a permit. On a side note, the inspections are mostly a joke and just a way for the municipality to make money (permit costs more than the materials in many of my cases). The inspector had no idea about electrical stuff and didn't ask any questions about wire gauge/run, receptacle sizing, receptacle height, or how the breaker box was balanced. You know, the stuff that's important to do right to avoid fires, etc.