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Loading STR vs LTR analysis...
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Winner Margin
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STR Monthly Profit
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Short-term rental
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LTR Monthly Profit
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Long-term rental
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Breakeven Occupancy
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STR needs this to match LTR
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Winner
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By margin
🎯 The Verdict
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🏨 Short-Term Rental (STR / Airbnb)
Higher income, higher expenses, more work
🏠 Long-Term Rental (LTR)
Steady income, lower expenses, less hassle
🏦 Shared Costs (both strategies)
Fixed costs regardless of rental strategy
📊 Side-by-Side Results
STR vs LTR — which strategy wins?
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Full Cost Comparison
Every expense line for both strategies
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Occupancy Breakeven Analysis
What occupancy rate does STR need to match LTR?
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Annual Projection
12-month income and profit for both strategies
STR vs LTR Monthly Profit
Expense Breakdown Comparison
Profit at Different Occupancy Rates
Annual Income Comparison
STR vs LTR Analysis Report
Vault & Vessel Studio ·
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How To Use
Airbnb or long-term tenant — let the math decide
🚀 Getting Started
1
Enter STR Numbers
Nightly rate, expected occupancy (% of nights booked), platform fees, cleaning costs per turnover, and any extra STR expenses like supplies and higher utilities.
2
Enter LTR Numbers
Monthly rent, vacancy rate (5-8% is standard), and management fee if using a property manager.
3
Enter Shared Costs
Mortgage, property tax, insurance, and maintenance — these are the same regardless of whether you do STR or LTR.
4
See the Winner
Side-by-side profit, breakeven occupancy, and the verdict — including what occupancy rate STR needs just to break even with LTR.
📊 Terms Made Simple
STR (Short-Term Rental): Renting your property by the night on platforms like Airbnb or VRBO. Higher income per night but higher expenses — cleaning, platform fees, supplies, furnishing, and more active management.
LTR (Long-Term Rental): Traditional 12-month lease with a tenant. Lower income but predictable, lower expenses, and far less hands-on management. Set it and (mostly) forget it.
Breakeven Occupancy: The minimum % of nights your STR must be booked to match your LTR profit. Below this rate, LTR wins. Above it, STR wins. This is the single most important number in the comparison.
Occupancy Rate: The percentage of available nights your STR is actually booked. 65-75% is strong in most markets. Below 55% and STR struggles to beat LTR after expenses.
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No data uploaded anywhere · Works 100% offline — no internet needed
⚠️ This is a directional estimate, not financial advice. Actual STR income depends on market, seasonality, reviews, and competition. Check local STR regulations before committing.