Comprehensive FAQs for Short-Term Rental (STR) Regulations in Key West, FL
Investing in short-term rental (STR) properties requires an in-depth understanding of local regulations. Below is a comprehensive list of frequently asked questions (FAQs) for STR operators and investors to help you navigate the rules in Key West and stay compliant while maximizing profitability.
1. What is considered a short-term rental in Key West?
A short-term rental, also referred to as a “transient rental,” in Key West is defined as a property rented for periods of less than 28 days. Short-term rental permits must be renewed annually. The initial application fee is $200, and the renewal fee is $200. Applications and renewals can be submitted online through the Monroe County platform: STR Permit Application.
2. Do I need a permit to operate a short-term rental in Key West?
Yes, all short-term rentals in Key West require a City of Key West Business Tax Receipt (BTR) and a Vacation Rental Permit from Monroe County. The BTR costs $150 for the initial application and $150 for annual renewal. A special Fire and Life Safety Inspection is also required, with fees based on the number of bedrooms: 1 Bedroom: $100, 2-3 Bedrooms: $200, and 4+ Bedrooms: $300.
Applications for a vacation rental permit can be submitted online at Monroe County STR Application.
3. What are the zoning laws for STRs in Key West?
STRs are permitted only in specific zoning districts. Areas such as Improved Subdivision (IS), Urban Residential Mobile Home (URM), and IS-M prohibit short-term rentals. To verify your property’s zoning, consult the Monroe County Zoning Map or contact the Monroe County Zoning Office at (305) 289-2500.
4. Are there occupancy limits for short-term rentals in Key West?
The maximum occupancy for short-term rentals is two persons per bedroom, plus two additional persons for the property. For example, a two-bedroom property may house a maximum of six people.
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5. What taxes are short-term rental hosts required to pay?
Hosts must pay the Monroe County Tourist Development Tax (5%) and the Florida Transient Rental Tax (6%). These taxes are collected monthly and must be remitted to the Monroe County Tax Collector. For more details, visit Monroe County Tax Collector.
6. What are the safety and health requirements for STR properties in Key West?
STR properties must pass a Fire and Life Safety Inspection as part of the permitting process. This includes having smoke detectors, fire extinguishers, carbon monoxide detectors, and an emergency exit plan. The inspection is required annually, and fees range from $100 to $300 based on the property size. The Fire Inspection Form can be accessed here.
7. How are noise and nuisance complaints handled in Key West?
Noise and nuisance complaints are managed by the Monroe County Sheriff’s Office. Contact numbers are:
- Upper Keys: (305) 853-3211
- Middle Keys: (305) 289-2430
- Lower Keys: (305) 745-3184
Property owners are responsible for ensuring guests comply with noise ordinances, which prohibit excessive noise audible within neighboring residences.
8. Can I manage multiple short-term rental properties in Key West?
Yes, property owners can manage multiple short-term rental properties. Each property requires its own vacation rental permit and must comply with zoning and safety regulations.
9. What are the penalties for non-compliance with STR regulations in Key West?
Non-compliance can result in fines starting at $200 per violation, permit suspension, or revocation. Illegal rentals may also be subject to additional penalties. To report violations, contact the Transient Rental Fraud Hotline at 1-855-422-4540.
10. Are there any updates or changes to Key West’s STR regulations I should be aware of?
The current STR ordinance in Key West was introduced in 2011 and last updated in 2019 to address safety requirements and zoning restrictions. For ongoing updates, visit the Monroe County Special Vacation Rental Program page.
11. Can I self-manage my short-term rental, or do I need a property management company in Key West?
Owners are allowed to self-manage their STRs but must designate a local manager licensed by the Planning & Environmental Resources Department. This person must be available to respond to issues within 24 hours.
12. What are the insurance requirements for short-term rentals in Key West?
While not explicitly stated in the sources, owners are strongly encouraged to maintain liability insurance of at least $1,000,000 to cover risks associated with operating a short-term rental.
13. Are there any local rules regarding hosting platforms (e.g., Airbnb, Vrbo) in Key West?
It is unlawful to advertise a short-term rental in areas where transient rentals are prohibited. Listings must display a valid permit number, and violations may result in fines or removal of the listing.
14. What are the inspection requirements for STRs in Key West?
STR properties must undergo annual Fire and Life Safety Inspections. Fees for inspections are as follows: 1 Bedroom: $100, 2-3 Bedrooms: $200, and 4+ Bedrooms: $300
Inspections must be scheduled through the Monroe County platform.
15. Are there any neighborhood-specific restrictions for STRs in Key West?
Yes, short-term rentals are prohibited in specific neighborhoods and zoning districts. It is crucial to consult the Monroe County Zoning Map to confirm if your property is eligible.
16. Is there a cap on the number of STR permits issued in Key West?
There is no citywide cap on STR permits; however, zoning restrictions may limit permits in certain areas.
17. What parking requirements exist for STRs in Key West?
Each STR must provide at least one off-street parking space per bedroom to avoid neighborhood congestion. Additional parking spaces may be required for larger properties.
