Florida Airbnb Calculator
Project a Florida short-term rental with state property-tax and insurance defaults, editable platform fees, lodging-tax treatment, operating expenses, cash flow, and break-even occupancy.
Local verification required. Floridadefaults do not determine whether an STR is legal at a specific address. Verify city, county, zoning, HOA, primary-residence, permit, tax-registration, and platform collection rules before relying on the projection.
Florida STR assumptions
This page seeds the calculator with a starting property value of $400,000.00 and a starting ADR of $213.00. These are screening defaults, not local revenue data. Replace them with nearby comparable STRs, seasonality, and actual booking history when available.
Property tax is seeded from the Florida effective property-tax rate of 0.78%. Insurance uses the same state risk model as the other REI analyzers. Lodging tax is deliberately user-entered because city, county, tourism, convention, and occupancy taxes are often local.
STR diligence note from the Florida investing profile: Florida has a complex history — state law preempts local STR bans (F.S. § 509.032) but municipalities grandfathered before 2011 can maintain restrictions. Post-2011 municipalities cannot ban STRs entirely but can regulate them. This preemption law is subject to ongoing litigation and legislative amendment.
Market context: Tampa/Hillsborough County (strong rent growth, diverse economy, hybrid). Jacksonville/Duval County (most affordable major FL city, cash flow friendly). Orlando/Orange County (tourism + tech + medical, hybrid). South FL (Miami-Dade/Broward — high appreciation, difficult cash flow). Ocala/Marion County (affordable cash flow, retiree/logistics growth). Polk County/Lakeland (logistics hub, affordable entry).
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