Mortgage vs Airbnb Income Calculator
See if Airbnb income from your property can cover (or exceed) your monthly mortgage payment.
Coverage Analysis
Frequently asked questions
Can Airbnb income cover a mortgage payment?
In many vacation and mid-size metro markets, yes: a listing at market-average occupancy often grosses 1.5-2.5x the monthly mortgage. The honest comparison is net income after operating expenses versus the full payment including taxes and insurance.
Does the 1% rule apply to short-term rentals?
The 1% rule (monthly gross rent of at least 1% of purchase price) was built for long-term rentals. Good STRs frequently clear 1.5-2% gross, but their higher expense load means you should underwrite on net cash flow, not the gross shortcut.
What are the risks of relying on Airbnb to pay the mortgage?
Seasonality, local regulation changes, and platform dependence. Stress-test the numbers at 40% occupancy and check your city's short-term rental rules before counting on STR income for a required payment.
More free calculators
Want recommendations specific to YOUR listing?
Our AI analyzes your photos, description, and amenities and gives you prioritized, actionable recommendations.
No card, no account needed. About 90 seconds.