STR vs LTR calculator — Arizona
Phoenix-area and other Arizona markets see active SFR and build-to-rent interest. Default rent inputs reflect statewide HUD FMR estimates—seasonal demand and utility costs can matter, so adjust to what you expect. Same math as the national STR vs LTR calculator; numbers are educational—not lender instructions.
Frequently asked questions
- How do STR platform fees affect returns?
- Platform fees reduce gross booking revenue before operating expenses. This calculator applies your fee percentage to gross nightly revenue after occupancy.
- What occupancy makes short-term rental worth it vs long-term?
- It depends on nightly rate, fees, and expenses. Raise occupancy or nightly rate until STR cash flow and NOI beat your long-term rent scenario on the same financing.
- How should I compare STR vs LTR in Arizona?
- Use realistic occupancy and fee assumptions for STR, then compare against a long-term baseline near about $1,400/month. Include cleaner turnover, management, and regulation-related costs before deciding.
Real estate investing in Arizona
Real estate investing in Arizona
HOA fees and short-term rental restrictions are common in many Arizona communities. If your deal has an HOA or STR limits, your real net will differ from a plain rent estimate.
- Typical 2BR rent
- ~$1,400/mo
- Effective property tax
- ~0.43% of home value
- State income tax
- 2.5% flat
Rent: HUD FMR 2025 · Property tax: Tax Foundation 2022 · Adjust all calculator inputs to match your specific deal.
Other calculators for Arizona: BRRRR Calculator · Fix and Flip Calculator. All calculators · Investment property calculator