CalculatorKentucky
STR vs LTR calculator — Kentucky
Kentucky markets mix Appalachian smaller towns with larger regional hubs. Default rent inputs reflect HUD FMR data—underwrite to the submarket you are buying, not a statewide stereotype. 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 Kentucky?
- Use realistic occupancy and fee assumptions for STR, then compare against a long-term baseline near about $950/month. Include cleaner turnover, management, and regulation-related costs before deciding.
Real estate investing in Kentucky
Real estate investing in Kentucky
Flood risk pockets exist away from the coasts. If your property is in a flood zone, add insurance and reserves explicitly.
- Typical 2BR rent
- ~$950/mo
- Effective property tax
- ~0.72% of home value
- State income tax
- 3.5% flat
Rent: HUD FMR 2025 · Property tax: Tax Foundation 2022 · Adjust all calculator inputs to match your specific deal.
Other calculators for Kentucky: BRRRR Calculator · Fix and Flip Calculator. All calculators · Investment property calculator