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Vermont Short-Term Rental Revenue Calculator

Estimate your Airbnb or VRBO revenue using Vermont market data. Property tax, insurance, and vacancy defaults are pre-filled with current Vermont averages. Cash-on-cash return separates a profitable STR from an expensive hobby.

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Revenue Assumptions

Investment & Financing

Operating Expenses(Vermont defaults)

Total Annual Operating Expenses$30,612

Vermont Market Context

Avg Cap Rate

5.5%

Median Price

$388K

Property Tax

1.4%

Vacancy Rate

3.7%

Local Factors

  • -Lowest homeowners insurance costs in the nation
  • -Very tight rental market with limited new construction
  • -High property taxes and cold climate increase total holding costs

How to Analyze a Short-Term Rental

Nightly rate × occupancy determines your top line, but the real story is in what's left after expenses. STRs carry higher operating costs than long-term rentals — cleaning, furnishing, platform fees, utilities, and guest supplies all eat into revenue.

RevPAN (Revenue Per Available Night) accounts for vacancy — it's your gross revenue divided by 365. This metric lets you compare properties regardless of how they're marketed or how stay lengths differ.

Management costs are the biggest variable. Self-managing saves 20–30% but costs you time. Full-service STR management typically runs 20–25% of gross revenue. Factor in your time honestly.

Always stress-test with lower occupancy — markets shift, regulations change, and new supply comes online. A deal that only works at 80% occupancy is a deal that's one bad season from going underwater.

Annual Cash Flow

$-23,008

Negative

Cash-on-Cash Return

-24.8%

Gross Revenue$32,385
Rental Income$19,635
Cleaning Fee Income$12,750
Operating Expenses$30,612
NOI$1,773
Annual Debt Service$24,781
Monthly Mortgage$2,065
RevPAN$89/night
Monthly Cash Flow$-1,917
Total Cash Invested$92,600
CASH FLOW$-23,008
Cash Flow$0
Mortgage$24,781
Management$6,477
Cleaning$8,500
Platform Fees$972
Property Tax$5,432
Insurance$831
Utilities$3,600
Maintenance$3,000
Supplies & Other$1,800

What does this mean?

This STR is losing money at these numbers. Either the nightly rate needs to increase, occupancy needs to improve, or expenses need to come down. Many hosts underestimate cleaning, furnishing, and platform fees.

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