Cincinnati, Ohio Short-Term Rental Regulation: A Guide For Airbnb Hosts

What are Short-Term Rental (Airbnb, VRBO) Regulations Cincinnati, Ohio?

Cincinnati's short-term rental market has experienced impressive growth in recent years, with data showing a remarkable 78% increase in bookings from 2022 to 2023. As the city continues to attract visitors with its unique blend of history, culture, and entertainment, understanding the regulatory landscape is crucial for anyone looking to enter this lucrative market.

Starting a Short-Term Rental Business in Cincinnati, Ohio

If you're considering launching a short-term rental business in Cincinnati, you'll need to navigate the city's regulatory framework carefully. All short-term rental operators must register their properties with the City of Cincinnati before commencing operations. This registration is valid for three years from the date of issuance and requires payment of a registration fee.

The process involves several key steps:

• Complete the registration form and pay the required fee
• Receive your permit
• Print both the permit and advisory notice
• Include your registration ID in all listings
• Display the permit and advisory in your rental unit

Cincinnati defines a short-term rental as any residential property offered to the public for rent on a hosting platform with an intended occupancy of less than thirty consecutive days. This applies to all properties listed on platforms like Airbnb, VRBO, and similar sites.

Beyond registration, operators must comply with Cincinnati's excise tax requirements. Short-term rental hosts are responsible for paying a 7% excise tax on the gross revenues generated from their operations. The good news for Airbnb hosts is that Airbnb has entered into a voluntary collection agreement with the city and will withhold and remit these taxes on behalf of operators. However, if you list on other platforms that don't have such agreements, you'll need to handle tax reporting yourself.

Cincinnati's regulations aim to balance the growth of the short-term rental industry with neighborhood preservation. The city has taken a relatively progressive approach compared to some other municipalities, with the City Council passing streamlined regulations in 2023 that simplified the permitting process for hosts.

As you embark on your short-term rental journey in Cincinnati, remember that staying informed about regulatory changes and market trends will be key to your success. The city's supportive legal framework, combined with its thriving economy and growing tourism industry, creates an ideal environment for short-term rental entrepreneurs in 2025 and beyond.

Short-Term Rental Licensing Requirement in Cincinnati, Ohio

Cincinnati has established a clear framework for short-term rental operations that requires all property owners to register their units before listing them on platforms like Airbnb or VRBO. Understanding these requirements is essential for anyone looking to enter the Cincinnati short-term rental market.

All short-term rental operators must complete the registration process with the City of Cincinnati prior to listing or operating their property. The registration is valid for three years from the date of issuance, after which renewal is required. Here's a comprehensive breakdown of the licensing requirements:

Registration Process:

1. Complete the online registration form through the city's web-based platform
2. Pay the $250 registration fee (non-refundable once approved)
3. Receive your permit upon approval
4. Print both the permit and the Short-Term Rental Advisory form
5. Include your registration ID in all online listings
6. Display the printed permit and advisory notice prominently inside your rental unit

Documentation Requirements:

While the initial application doesn't require document submission, the City may request the following for verification at any time:

1. Proof of identity
2. Background check (if not hosted on Airbnb)
3. Proof of property ownership
4. Written permission from landlord or property owner (if you're a long-term renter subletting)
5. Proof of liability insurance
6. Proof that you're current on all existing tax and utility liabilities to the City

Property Limitations:

Cincinnati has specific limitations on how many short-term rental units can operate in multi-unit buildings:

1. Buildings with up to 5 dwelling units: Maximum 4 STR registrations
2. Buildings with 6-10 dwelling units: Maximum 5 STR registrations
3. Buildings with 11-15 dwelling units: Maximum 6 STR registrations
4. Buildings with 16-19 dwelling units: Maximum 7 STR registrations
5. Buildings with 20-23 dwelling units: Maximum 8 STR registrations

Where to Submit:

The entire application process can be completed online through the City of Cincinnati's web portal. This streamlined system allows operators to register, submit all necessary paperwork, and pay fees without having to visit City Hall or make phone calls.

Processing Time:

Once an application is submitted, the Treasury Division has up to 30 days to review it. If approved, you'll receive a unique registration number that must be included in all your listings.

Renewal Process:

Renewals should be submitted no earlier than 180 days and no later than 60 days before the expiration date. The renewal fee is also $250. The city will email a link to the renewal application approximately 90 days prior to your registration expiration date.

Penalties for Non-Compliance:

Operating an unregistered short-term rental in Cincinnati can result in significant consequences:

1. Monetary fines
2. Suspension or revocation of registration
3. Prohibition from applying for a new license for up to one year from notification of violation
4. Tax audits
5. In extreme cases, property liens may be placed

Additionally, properties that have been designated as "nuisance properties" (three or more written citations or notices of violation in any one-year period) may be denied registration or have their existing registration revoked.

The City of Cincinnati actively monitors short-term rental compliance, and the enforcement team has the authority to take action against non-compliant operators. For questions or additional information about short-term rental regulations, operators can contact the City of Cincinnati at 801 Plum Street, Room 202, or call 513-352-3224.

By understanding and adhering to these licensing requirements, short-term rental operators in Cincinnati can establish legitimate businesses that contribute positively to the local economy while avoiding costly penalties and legal issues.

Required Documents for Cincinnati, Ohio Short-Term Rentals

While Cincinnati's short-term rental registration process is designed to be streamlined, operators should be prepared to provide certain documentation when requested by city officials. Though these documents aren't typically required during the initial online registration, the City of Cincinnati reserves the right to request them at any time for verification and auditing purposes.

1. Short-Term Rental Registration Form: The cornerstone of the registration process is the application form, which can be completed entirely online through the city's web-based platform. This form collects essential information about your property and serves as your official request for short-term rental authorization. The form requires details about the property location, owner information, and intended rental use.
2. Proof of Identity: City officials may request government-issued identification to verify the identity of the person registering the short-term rental. This helps ensure that only authorized individuals are operating rental properties within city limits.
3. Proof of Property Ownership: Documentation showing that you legally own the property you're registering is essential. This could be a deed, property tax statement, or other official documentation that clearly establishes your ownership rights.
4. Written Permission from Landlord: If you're a tenant seeking to operate a short-term rental in a property you don't own, you'll need written authorization from your landlord or property owner. This document protects all parties by ensuring the property owner has consented to the short-term rental use.
5. Background Check: For operators not hosting through platforms that conduct background checks (such as Airbnb), the city may request a separate background check. This helps ensure the safety of guests and the community.
6. Proof of Liability Insurance: Documentation showing that you maintain adequate liability insurance coverage for your short-term rental operation may be requested. This insurance protects both you and your guests in case of accidents or damages.
7. Tax and Utility Compliance Documentation: The city may request proof that you're current on all existing tax and utility liabilities to the City of Cincinnati. This could include property tax receipts, utility payment records, or other documentation showing you're in good standing.
8. Building, Zoning, Housing, and Fire Code Certification: While an in-person inspection isn't typically required during registration, operators must certify under penalty of perjury that their rental unit complies with all applicable building, zoning, housing, and fire codes. The city may request documentation proving compliance with these codes.
9. Transient Occupancy Registration Certificate: This certificate is required for collecting and remitting the city's 7% excise tax on short-term rental revenue, particularly for operators using platforms that don't have tax collection agreements with the city.
10. Short-Term Rental Advisory: This document, which must be printed and displayed in your rental unit, outlines important information for guests about local regulations, emergency contacts, and other essential details. It can be downloaded from the city's short-term rental portal.

All of these documents support Cincinnati's goal of maintaining a well-regulated short-term rental market that balances the interests of operators, guests, and the broader community. By ensuring you have these documents ready when requested, you'll demonstrate your commitment to operating a compliant and responsible short-term rental business in Cincinnati.

Remember that registration is valid for three years from the date of issuance, and renewals should be submitted between 60 and 180 days before expiration. Staying organized with your documentation will make both the initial registration and renewal processes much smoother.

Cincinnati, Ohio Short-Term Rental Taxes

Operating a short-term rental in Cincinnati comes with specific tax obligations that every host should understand. These taxes contribute to local infrastructure, tourism development, and other public services. Here's a comprehensive breakdown of the tax landscape for short-term rental operators in Cincinnati:

Short-Term Rental Excise Tax (7%)

Cincinnati imposes a 7% excise tax on the gross revenues generated from short-term rental operations. This applies to all stays of less than 30 consecutive days. The good news for hosts using Airbnb is that the platform has entered into a voluntary collection agreement with the city and will automatically withhold and remit these taxes on your behalf. However, if you list your property on other platforms like VRBO or Booking.com that don't have similar agreements with Cincinnati, you'll need to collect and remit this tax yourself through quarterly filings.

Hamilton County Lodging Tax (7.5%)

In addition to the city excise tax, short-term rentals in Cincinnati are subject to Hamilton County's 7.5% lodging tax for stays less than 30 consecutive days. This tax is distributed to support local tourism and convention facilities:

1. 3% goes to the Cincinnati USA Convention and Visitors Bureau
2. 3.5% funds renovation and expansion of the Duke Energy and Sharonville Convention Centers
3. 1% supports convention-related facilities and other county initiatives

Ohio Sales Tax (5.75%)

The state of Ohio collects a 5.75% sales tax on short-term rental stays less than 90 days. This tax applies to the entire rental amount, including any non-refundable fees such as cleaning charges.

Local Sales Tax (0.75%)

Hamilton County adds a 0.75% local sales tax on top of the state sales tax, bringing the combined sales tax rate in Cincinnati to 6.5% as of 2025.

Total Tax Burden

When all taxes are combined, the total tax rate on short-term rentals in Cincinnati can reach approximately 21% of the gross rental amount. This significant percentage underscores the importance of accurate pricing strategies that account for these taxes while remaining competitive in the market.

Tax Deductions and Write-offs for Cincinnati STR Operators

To offset some of your tax liability, Cincinnati short-term rental operators can take advantage of several deductions:

1. Mortgage Interest: You can deduct interest paid on your mortgage for the property.
2. Property Taxes: Local property taxes are fully deductible as a business expense.
3. Insurance Premiums: Both homeowner's and short-term rental insurance premiums are deductible.
4. Utilities: Expenses for electricity, water, gas, internet, and cable TV can be deducted.
5. Cleaning and Maintenance: Regular cleaning fees, landscaping, and property maintenance costs are deductible.
6. Hosting Platform Fees: Commission fees charged by platforms like Airbnb or VRBO can be deducted.
7. Furnishings and Supplies: Purchases of furniture, linens, toiletries, and other guest supplies are deductible.
8. Professional Services: Fees paid to property managers, accountants, or attorneys related to your rental business.
9. Depreciation: You can depreciate the property (excluding land) over 27.5 years, and furnishings over 5-7 years.
10. Marketing Expenses: Costs for professional photography, website development, or other advertising.

Remember that if you use your property personally for more than 14 days per year or more than 10% of the total days it's rented, you'll need to allocate expenses proportionally between personal and business use. For example, if you rent your property for 300 days and use it personally for 50 days, you can deduct 85.7% (300/350) of your eligible expenses.

Proper record-keeping is essential for maximizing your deductions while ensuring compliance with tax regulations. Many successful Cincinnati hosts work with tax professionals who specialize in short-term rental properties to optimize their tax strategy and avoid potential issues with the IRS or local tax authorities.

Ohio Wide Short-Term Rental Rules

The short-term rental landscape in Cincinnati is not only shaped by local regulations but also by evolving state-level legislation that could significantly impact how these properties are regulated throughout Ohio.

Currently, Ohio lawmakers have introduced two identical bills - Senate Bill 104 and House Bill 109 - that would substantially limit local governments' authority to regulate short-term rentals. These bills, introduced in early 2025, represent a significant potential shift in how cities like Cincinnati can oversee their short-term rental markets.

If passed, these bills would prohibit local governments across Ohio, including Cincinnati, from:

1. Banning short-term rentals outright
2. Creating lottery systems for short-term rental eligibility
3. Using zoning requirements to prohibit or limit short-term rentals in areas zoned for residential use
4. Restricting the number of short-term rental properties a person may operate
5. Requiring that owners occupy their short-term rental properties

The legislation would still allow local governments to require registration or licensing of short-term rental properties, but would cap the fee at $20 per property. This represents a significant reduction from Cincinnati's current $250 registration fee. Additionally, the proceeds from these fees could only be used to enforce the local government's short-term rental regulations.

The bills would also standardize the application of lodging taxes to short-term rentals across the state. This would ensure that all short-term rental stays are subject to the same lodging taxes as traditional hotels, potentially increasing state revenue from $121 million to $150 million annually according to legislative analysis.

Senator Andrew Brenner, a licensed real estate agent who reintroduced this legislation, has argued that short-term rentals provide important economic benefits: "It generates extra revenues for homeowners who may be having a hard time paying their property taxes, given the high level of property taxes that we see today."

As of April 2025, Senate Bill 104 has been assigned to the Senate Local Government Committee, which has held two hearings but has not yet voted on the legislation. House Bill 109 has been assigned to the House Development Committee, with hearings still pending.

Cincinnati hosts should monitor these legislative developments closely, as they could significantly alter the regulatory landscape for short-term rentals in the coming months. The outcome of these bills will determine whether Cincinnati can maintain its current regulatory framework or will need to adjust its approach to align with new state mandates.

For now, Cincinnati hosts should continue to comply with all existing local regulations while staying informed about these potential state-level changes that could affect their operations in the future.

Does Cincinnati, Ohio Strictly Enforce STR Rules?

Cincinnati takes a moderate approach to enforcing its short-term rental regulations compared to other major cities across the country. While the city has established a comprehensive regulatory framework, enforcement tends to be more complaint-driven than proactively aggressive.

Cincinnati's enforcement strategy primarily focuses on responding to specific issues rather than conducting widespread sweeps for non-compliant properties. The city has clarified in recent ordinances that officials won't actively seek out Airbnb properties for code compliance inspections but will respond to complaints from neighbors or guests. This approach gives hosts a reasonable opportunity to operate while still maintaining community standards.

When comparing Cincinnati to other cities, it falls somewhere in the middle of the regulatory spectrum. It's certainly not as permissive as cities like Nashville or Austin, which have historically taken a hands-off approach to short-term rentals. However, it's also far from the strict enforcement seen in cities like New York or San Francisco, where penalties for non-compliance can be severe, and enforcement is aggressive.

Cincinnati can be considered moderately Airbnb-friendly for several reasons. The city has created a clear regulatory path for hosts to operate legally through its registration system. The 2023 streamlined regulations and simplified permitting process demonstrate Cincinnati's recognition of the economic benefits short-term rentals bring to the city. Additionally, the city allows short-term rentals in most residential zones, provided hosts comply with registration, tax collection, and other requirements.

In summary, Cincinnati is a moderately Airbnb-friendly city with enforceable but navigable regulations. The rules create some hurdles for hosts but don't prevent the operation of short-term rentals. For hosts willing to follow the registration requirements, pay the appropriate taxes, and maintain good relationships with neighbors, Cincinnati offers a promising market with growing demand and relatively reasonable regulatory oversight.

How to Start a Short-Term Rental Business in Cincinnati, Ohio

Launching a short-term rental business in Cincinnati requires careful planning and adherence to local regulations. Follow these steps to establish your Airbnb or VRBO property in the Queen City:

• Research Cincinnati's Short-Term Rental Regulations: Begin by thoroughly familiarizing yourself with Cincinnati's short-term rental ordinances. Understanding these regulations is crucial before investing time and money into your venture. Review the city's zoning code, planning code, and specific STR ordinances to ensure your property can legally operate as a short-term rental. Pay special attention to any neighborhood-specific restrictions that might apply to your potential property location.
• Select the Right Property: Choose a property that will appeal to Cincinnati visitors. Consider locations near popular attractions like Over-the-Rhine, The Banks, Cincinnati Zoo, or the University of Cincinnati. Look for properties with unique character, convenient parking, and proximity to public transportation. Cincinnati's market data shows that properties with outdoor spaces and distinctive local character tend to perform well with guests seeking an authentic experience.
• Register Your Short-Term Rental with the City: Complete the registration process with the City of Cincinnati through their online platform. Pay the $250 registration fee, which is valid for three years. Once approved, you'll receive a permit that must be displayed in your rental unit. Remember to include your registration ID in all online listings to demonstrate compliance with city regulations.
• Ensure Compliance with Building and Safety Codes: Make certain your property meets all building, zoning, housing, and fire code requirements. This may involve addressing safety concerns like installing smoke detectors, carbon monoxide detectors, fire extinguishers, and ensuring proper exits. While Cincinnati doesn't typically require an initial inspection, your property should be ready for inspection at any time if requested by city officials.
• Set Up Tax Collection Systems: Establish a system for collecting and remitting the required taxes, including the 7% Cincinnati excise tax, 7.5% Hamilton County lodging tax, and 5.75% Ohio sales tax (plus 0.75% local sales tax). If you're using Airbnb, they'll collect and remit the city excise tax automatically, but you may need to handle other taxes yourself depending on your hosting platform.
• Obtain Adequate Insurance Coverage: Secure appropriate insurance coverage for your short-term rental operation. Standard homeowner's insurance typically doesn't cover commercial activities, so you'll need either a specialized short-term rental policy or an endorsement to your existing policy. Consider a minimum of $1 million in liability coverage to protect yourself from potential guest injuries or property damage claims.
• Create House Rules and Guest Information: Develop clear house rules that align with Cincinnati's regulations and neighborhood expectations. Address noise limitations, parking instructions, trash disposal, and other important guidelines. Create a comprehensive guest guidebook that includes emergency contacts, property instructions, and recommendations for local attractions, restaurants, and services.
• Prepare Your Property for Guests: Furnish and equip your property to meet guest expectations. Cincinnati guests particularly appreciate local touches that showcase the city's culture and history. Invest in quality bedding, towels, and kitchen essentials. Consider amenities that will make your listing stand out, such as smart home features, coffee stations, or outdoor spaces that highlight Cincinnati's scenic views.
• Develop a Marketing Strategy: Create compelling listings on platforms like Airbnb and VRBO with professional photography that showcases your property's best features. Write detailed descriptions highlighting proximity to Cincinnati attractions and unique amenities. Consider seasonal pricing strategies that account for Cincinnati's event calendar, including major festivals like Oktoberfest Zinzinnati, Cincinnati Music Festival, and Taste of Cincinnati.
• Establish Operational Systems: Set up efficient systems for guest communication, check-in procedures, cleaning, and maintenance. Consider using property management software to streamline operations. Build relationships with reliable cleaning services and maintenance professionals who can respond quickly to issues. Cincinnati's market demands quick response times and exceptional cleanliness standards to maintain positive reviews.
• Network with Other Cincinnati Hosts: Connect with other short-term rental operators in Cincinnati through local real estate groups, online forums, or social media. These connections can provide valuable insights about the local market, recommended service providers, and strategies for navigating Cincinnati's regulatory landscape. Local knowledge is particularly valuable in Cincinnati's diverse neighborhood-based market.
• Monitor Performance and Adapt: Regularly review your property's performance metrics, guest feedback, and market trends. Be prepared to adjust your pricing, amenities, or marketing approach based on this data. Cincinnati's short-term rental market shows seasonal variations, with summer and early fall being peak periods, so flexibility in your business approach is essential for year-round success.

By methodically following these steps, you'll be well-positioned to establish a compliant and profitable short-term rental business in Cincinnati. Remember that success in this market comes from balancing regulatory compliance with exceptional guest experiences that showcase the best of what Cincinnati has to offer.

Who to Contact in Cincinnati, Ohio about Short-Term Rental Regulations and Zoning?

Navigating the regulatory landscape for short-term rentals in Cincinnati requires knowing exactly who to contact for different aspects of the process. Whether you're just starting out or facing compliance issues, these official contacts will help you get the information you need.

City of Cincinnati Treasury Division

This is your primary contact for short-term rental registration, permits, and tax-related questions:

• Phone: 513-352-3224
• Email: Treasury.License@cincinnati-oh.gov
• Address: 801 Plum Street, Room 202, Cincinnati, OH 45202

Department of Buildings and Inspections

For questions related to building codes, safety requirements, and property compliance:

• Phone: 513-352-3313
• Address: 805 Central Ave., Suite 500, Cincinnati, OH 45202

City Planning Department - Zoning Administration

For zoning verification and questions about where short-term rentals are permitted:

• Phone: 513-352-2430
• Email: zoninginfo@cincinnati-oh.gov
• Address: 805 Central Ave., Suite 500, Cincinnati, OH 45202

Hamilton County Development Services

For properties in unincorporated areas of Hamilton County outside Cincinnati city limits:

• Phone: 513-946-4550
• Address: 138 East Court Street, Room 801, Cincinnati, OH 45202

Cincinnati City Council

To provide feedback on short-term rental regulations or voice concerns about policy:

• Contact information for individual council members can be found on the city's website
• Council meetings are typically open to the public and include time for citizen comments

When contacting any of these resources, be prepared with specific questions about your property situation. Many regulatory issues depend on your exact location within Cincinnati, the type of property you're operating, and whether you plan to be present during guest stays. Keeping detailed records of all communications with city officials is also recommended, as regulations continue to evolve in this growing market.