Tennessee
TN
Tennessee
Smoky Mountain cabin market. High-occupancy seasonal destination with strong peak-season pricing. Gatlinburg/Pigeon Forg…
$2,200 – $5,500 / year typical
Typical annual premium
Florida
FL
Florida
Highest volume STR market in US by bookings. Mix of urban (Miami, Tampa), beach (Destin, Gulf Shores), and resort market…
$4,500 – $12,000 / year typical
Typical annual premium
Colorado
CO
Colorado
Mountain resort (Vail, Aspen, Breckenridge) and Denver urban markets. Wildfire exposure driving significant rate increas…
$3,500 – $8,000 / year typical
Typical annual premium
Arizona
AZ
Arizona
Scottsdale, Sedona, Phoenix urban and resort markets. Spring training baseball drives seasonal occupancy. Heat exposure …
$2,800 – $6,500 / year typical
Typical annual premium
California
CA
California
Largest market by property count. Wildfire exposure dominates insurance conversation. Coastal properties face additional…
$3,000 – $15,000+ / year depending on wildfire exposure
Typical annual premium
Nevada
NV
Nevada
Las Vegas market dominates. High-frequency turnover, group bookings, event hosting common. Premium pricing justifies hig…
$3,200 – $7,800 / year typical
Typical annual premium
North Carolina
NC
North Carolina
Asheville mountain market and Outer Banks beach market both growing rapidly. Serious investor demographic increasingly p…
$2,400 – $6,200 / year typical
Typical annual premium
Georgia
GA
Georgia
Atlanta urban market, Savannah historic district, and growing coastal markets (Jekyll Island, St. Simons). Mix of high-d…
$2,100 – $6,800 / year typical
Typical annual premium
South Carolina
SC
South Carolina
Charleston historic market (premium pricing, strict architectural standards), Myrtle Beach high-volume resort market, an…
$2,800 – $8,500 / year typical
Typical annual premium
Texas
TX
Texas
Massive market with extreme geographic variation. Austin urban and trendy, Dallas high-density, Houston tropical-climate…
$2,200 – $8,200 / year typical (highly regional)
Typical annual premium
Minnesota
MN
Minnesota
Minneapolis-St. Paul metro market (urban density, year-round occupancy). Lake country properties (seasonal resort market…
$1,800 – $4,500 / year typical
Typical annual premium
Idaho
ID
Idaho
Boise urban market growing rapidly. Mountain resort markets (Sun Valley, McCall) attracting serious investors. Elevation…
$2,600 – $7,200 / year typical
Typical annual premium
Wisconsin
WI
Wisconsin
Wisconsin Dells, Door County, Lake Geneva, and the Northwoods anchor a strong seasonal lake market, with Milwaukee and M…
$1,800 – $4,800 / year typical
Typical annual premium
Michigan
MI
Michigan
Traverse City, the Lake Michigan shore towns, and the Upper Peninsula run a classic seasonal market; Detroit and Grand R…
$1,900 – $5,200 / year typical
Typical annual premium
Missouri
MO
Missouri
Branson is one of the highest-density STR markets in the country, with Lake of the Ozarks adding waterfront volume and K…
$1,800 – $5,000 / year typical
Typical annual premium
Utah
UT
Utah
Park City's ski economy, Moab's desert recreation market, and the Zion gateway towns drive premium pricing, with Salt La…
$2,400 – $6,500 / year typical
Typical annual premium
Oregon
OR
Oregon
Bend is the flagship market, with the coast from Seaside to Lincoln City, the Columbia Gorge, and Portland rounding out …
$2,200 – $6,800 / year typical
Typical annual premium
Washington
WA
Washington
Seattle's regulated urban market, Leavenworth and Chelan in the Cascades, the San Juan Islands, and the Olympic Peninsul…
$2,200 – $6,500 / year typical
Typical annual premium
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