The City of St. Joseph requires all short-term rental operators to obtain an annual Short-Term Rental Permit for their principal residence (homestead). Only one permit is allowed per owner, and rentals are restricted to specific residential zones. A city inspection and proof of $500,000 liability insurance are required before a permit is issued.
To host an Airbnb in St. Joseph, you must get a city permit for your primary home, as investment properties are not allowed. You can only have one STR permit in the city, and it must be in an approved residential zone (most are, but not downtown). You'll need to provide documents like proof of ownership, a floor plan, and proof of $500,000 insurance, then pass a city inspection. Remember to include your permit number in your online listing and collect the 5% county and 6% state accommodation taxes.
Permit Required
Yes
Night Limit
None
Primary Residence
Required
Total Tax Rate
11.0%
Disclaimer
This information is for general guidance only and should not be considered legal advice. Regulations change frequently. Always verify current requirements with local government authorities before operating a short-term rental.
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Permit Fee
$500
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