STR Urban Vs Resort Calculator

Urban and resort STR have fundamentally different economic profiles.

Urban ADR

Urban occupancy %

Urban property cost

Resort ADR

Resort occupancy %

Resort property cost

Urban yield on cost

0.05%

Resort yield on cost

0.05%

Annual revenue diff (resort − urban)

$35,588

How the math works

Revenue = ADR × occ × 365. Yield = (revenue × 50% NOI margin) ÷ property cost.

Urban $200 × 75% × 365 = $54,750 / $550k × 50% = 4.98% yield. Resort $450 × 55% × 365 = $90k / $900k × 50% = 5.00% yield.

How to Use

Enter urban ADR.
Enter urban occupancy %.
Enter urban property cost.
Enter resort ADR.
Enter resort occupancy %.
Enter resort property cost.
Read annual yield comparison.

Frequently Asked Questions

Urban STR dynamics?

Higher occupancy (65-85%), lower ADR premium (1.5-2x hotel). Steady demand year-round. Small units (studio, 1BR). Lower operating cost per unit. Regulatory risk high — cities restricting or banning STR. NYC post-2023 essentially banned most STR. LA, SF, Boston, DC: strict registration requirements. Primary risk: regulatory change invalidates business model overnight.

Resort STR dynamics?

Lower occupancy (40-65%), higher ADR premium (2-4x hotel). Strong seasonality. Larger units (2-5BR). Higher operating cost. Less regulatory risk. Risk: weather events (hurricane, wildfire), tourism downturn, environmental issues (red tide, pollution). Resort premium properties (beach, ski, unique) can command 3-5x suburban ADR.

Investment economics?

Urban: lower rent yield (3-5% unlevered), higher exit cap compression. Resort: higher yield (5-9% unlevered), less cap compression. Urban: harder to cash-flow but better exit. Resort: better cash flow but longer operating horizon. Leverage: urban typically higher LTV (75-80%) vs resort (65-75%). Tax: urban often higher property tax vs resort. Blended portfolios: 2-3 urban + 2-3 resort for diversification.

Regulation considerations?

Urban STR regulatory trajectory: increasing restrictions. NYC: banned effective 2023. LA: primary residence only. SF: strict registration. Chicago: registration required. Boston: 30+ day rental only in many districts. Resort markets: less restrictive but evolving. Maui (post-fires 2023): major STR restrictions. Regulatory intelligence critical before investment. Diversified portfolio across regulatory regimes reduces risk.