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.

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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.