What should Findlay hosts know about combined tax rate is high?

Combined tax rate is high (12.75%) due to overlapping state, county, and city layers.

Are there rental limits in Findlay?

Municipal income tax (1%) applies to all rental income earned within city limits regardless of residency.

What should Findlay hosts know about hancock county and the city?

Hancock County and the City of Findlay each levy a 3% lodging tax separately.

Findlay, OH Short-Term Rental... | Learn STR by GoStudioM

Baseline Verification

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Verified: Feb 9, 2026

Summary

Findlay currently has no specific short-term rental (STR) ordinance or permit requirements, operating under general zoning and building codes.

Restriction Level

✅

Permissive

Score: 3 (restrictive)

Why this classification:

•Reporting required
•No STR-specific permit required
•No night cap
•No primary residence requirement
•No STR-specific fee
•Tenants can host

In Plain English

As of early 2024, there are no special registration fees or permits required to host a short-term rental in Findlay. However, hosts are responsible for collecting and remitting a combined 6% lodging tax and 6.75% sales tax, and must report rental income for the 1% municipal income tax.

At a Glance

Permit Required

Night Limit

None

Primary Residence

Not Required

Total Tax Rate

0.1%

Permit Fee

3 Things Hosts Often Miss

Regulation Details

Eligibility(5)

•Findlay: You can have a co-host or property manager help manage your listing.
•Findlay does NOT require the property to be a primary residence. Investment properties are allowed.
•Findlay: Your HOA can prohibit short-term rentals even if the city allows them. Check your CC&Rs before applying.
•Findlay allows STRs in the following property types: Single Family, Multi-Family, Condo, Townhouse.

Requirements(8)

•Findlay STR warning: Hancock County and the City of Findlay each levy a 3% lodging tax separately.
•Findlay: Hosts must report their rental activity quarterly to the city, even if platforms collect taxes.
•Findlay does not require liability insurance for STR hosts, but it is strongly recommended.
•Findlay does not require STR registration.

Application Process(5)

•How to set up an STR in Findlay: As of early 2024, there are no special registration fees or permits required to host a short-term rental in Findlay. However, hosts are responsible for collecting and remitting a combined 6% lodging tax and 6.75% sales tax, and must report rental income for the 1% municipal income tax.

Taxes(4)

•Ohio has a state sales tax of 0.0575% that applies to STR rentals.
•Findlay: Combined tax rate is high (12.75%) due to overlapping state, county, and city layers.

Limits & Restrictions(4)

•Findlay occupancy calculation: Subject to fire code occupancy limits. Count your bedrooms to determine your max guest limit.
•Findlay limits stays to a maximum of 29 nights.
•Findlay enforces quiet hours: 10pm-7am.
•Findlay: Municipal income tax (1%) applies to all rental income earned within city limits regardless of residency.

Safety Requirements(1)

•Findlay requires the following safety measures for STRs: smoke detectors, CO detectors, fire extinguisher.

Penalties(1)

•Findlay enforces the following penalties for STR violations: First offense: Warning. Second offense: Varies. Third offense: Varies.

Exemptions(2)

•Findlay: Rentals of 30+ days are generally NOT considered short-term rentals and may be exempt from STR regulations (but may have other requirements).
•Findlay exempts the following from STR regulations: long-term rentals (30+ days), extended stays.

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Disclaimer

Regulatory information is AI-researched for educational purposes. Details may be outdated or incomplete. Always verify requirements directly with your city/county planning department before operating a short-term rental.

Other Ohio Markets

Cincinnati

Ohio

Moderate

The City of Cincinnati requires all short-term rental operators to register annually and pay a $75 fee. The city imposes a 7% total tax (4% city excise + 3% county lodging tax) on stays under 30 days, which is typically collected by major platforms.

Permit required

0.1% total tax

Athens

Ohio

Moderate

Athens requires short-term rental operators to obtain an annual rental permit from the Office of Code Enforcement and pay a 3% city transient guest tax.

Permit required

0.1% total tax

Dayton

Ohio

Permissive

Dayton does not currently have specific short-term rental regulations or a dedicated permit system, though the city is actively monitoring the market for future legislation.

Permit required

0.1% total tax

Brooklyn

Ohio

Permissive

The City of Brooklyn, Ohio, does not currently have a dedicated ordinance governing short-term rentals (STRs). While STRs are unregulated at the municipal level, hosts must still comply with general building codes, noise ordinances, and municipal income tax requirements.

Findlay

Baseline Verification

Summary

Restriction Level

Why this classification:

In Plain English

At a Glance

3 Things Hosts Often Miss

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Regulation Details

Eligibility(5)

Requirements(8)

Application Process(5)

Taxes(4)

Limits & Restrictions(4)

Safety Requirements(1)

Penalties(1)

Exemptions(2)

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Step-by-Step Application Guide

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Frequently Asked Questions

Related Content

Other Ohio Markets

Cincinnati

Athens

Dayton

Brooklyn

Findlay

Baseline Verification

Summary

Restriction Level

Why this classification:

In Plain English

At a Glance

3 Things Hosts Often Miss

Step-by-Step Application Guide

Upgrade to Pro

Frequently Asked Questions

1Do I need a permit for short-term rentals in Findlay?

2What is the TOT tax rate in Findlay?

3Are there rental night limits in Findlay?

4What are the penalties for non-compliance in Findlay?

Related Content

Other Ohio Markets

Cincinnati

Athens

Dayton

Brooklyn