Finance category
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ADU Rental Income Calculator
ADUs can rent long-term ($1,200-$3,000/mo), mid-term ($1,500-$4,000/mo), or short-term ($80-$200/night). Each has different vacancy and operating profiles. This calculator compares.
Highest-net strategy
Mid-term rental
LTR monthly net
$1,639
MTR monthly net
$1,910
STR monthly net
$1,221
STR monthly gross
$2,340
How the math works
LTR net ~$1,640. MTR net ~$1,910. STR net ~$1,700 (hot occupancy). STR is lumpier; MTR winning here.
Lower operating headache = LTR. Highest upside = STR in right market. MTR often the balanced sweet spot for a single ADU.
How to Use
- Enter expected rent, vacancy, and operating cost.
- Pick rental strategy (LTR, MTR, STR).
- See net monthly cash flow for each option.
Frequently Asked Questions
Which strategy is best?
Location-dependent. Near hospitals / tourist areas / business hubs: MTR or STR wins. Suburban residential: LTR is more stable.
HOA/city rules?
Many HOAs ban STR outright. Most cities require ADU STR registration + limit days/year. CA: 30-day minimum stays often required to avoid hotel rules. Check before committing to STR strategy.
Utilities shared or separate?
Subdivide meter (electric/gas) when permissible — tenant pays directly. Water usually remains on main property meter. Build subdividing cost into ADU plans to avoid retrofit later.
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