Airbnb vs Long-Term Rental Comparison Calculator 2027

Compare Airbnb (STR) vs long-term rental (LTR) revenue 2027 — see when occupancy + ADR beat LTR yield, factoring management/turnover/regulation costs.

STR Cost Breakdown

Typical 30-40% of gross revenue: cleaning ($50-200/turnover), management 18-25% (or DIY), supplies/restocking, OTA fees (Airbnb 15%), taxes, utilities + WiFi, maintenance reserves, marketing.

LTR Advantages

Stable monthly income. Low management (~1-2 hrs/mo). Tenant pays utilities. Lower wear-and-tear. Easier financing (DSCR loans favor LTR). Less regulation risk.

STR Risk Factors

City bans (NYC, SF severely restricted). Permit requirements ($200-2000/yr). Saturated markets dropping ADRs. Algorithm changes from Airbnb. Reviews-driven income volatility.

Hybrid: Mid-Term Rental

30-90 day stays (corporate housing, traveling nurses, slow STR). Combines STR yield + LTR stability. Avoids most STR regulations. Premium markets near hospitals.

Source: airdna.co Airbnb market data, biggerpockets.com STR analysis. Last updated: May 2026.

Frequently Asked Questions

What occupancy makes STR work?

60%+ in most markets. Below 50%, LTR usually wins on hours-adjusted basis. Above 75%, STR strongly beats LTR (vacation destinations).

Are STR rates higher than expected?

Insurance: STR-specific policies $1,500-3,000/yr (vs $800-1,200 LTR). Liability higher. Don't use regular homeowners — claims denied for STR use.

What about regulation risk?

Major risk. Always check local short-term rental ordinances BEFORE buying. Cities banning daily: NYC, SF, Santa Monica, Honolulu, Vancouver, Barcelona. List grows monthly.