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Short-Term Rentals in Chattanooga, TN (2026)

9 verified short-term rentals rules for Chattanooga, Tennessee, sourced directly from the municipal code and official government pages.

Verified from official government sources

Short-Term Rental Permits

No one may operate a short-term vacation rental in Chattanooga without first obtaining a certificate from the Development Review and Permitting Division, posted visibly inside the unit.

Chattanooga Short-Term Rental Certificate Required

Significant Restrictions

Chattanooga City Code § 38-87(a)

No person or entity may operate a short-term vacation rental unless a short-term vacation rental certificate has been first obtained from the City of Chattanooga Development Review and Permitting Division. To obtain a short-term vacation rental certificate, an eligible applicant must submit an application and a Code compliance verification form in compliance with Section 17.6. If approved, a le...

Noise Rules

Chattanooga requires short-term vacation rental occupants to follow all City noise restrictions, expressly incorporating City Code Section 25-69 into the STR certificate conditions.

Chattanooga STR Noise Rules

Some Restrictions

Chattanooga City Code § 38-88(j)

All occupants must abide by all applicable noise restrictions and all applicable waste management provisions of the City Code of the City of Chattanooga. All occupants must comply with City Code Section 25-69. .....(k)The name and telephone number of the owner of the short-term vacation rental or the short-term vacation rental agent must be conspicuously posted within the short-term vacation re...

Taxes & Fees

Chattanooga charges a nonrefundable short-term vacation rental application fee under Sec. 38-89(b): $500 to initially apply or renew an absentee rental, $250 for a homestay. Sec. 38-88(h) separately makes the certificate holder responsible for collecting and remitting every room, occupancy, and sales tax the state and city require.

Chattanooga STR Certificate Fees and Tax Duty

Some Restrictions

Chattanooga City Code § 38-89(b), § 38-88(h)

(b)Application Fee ... (1)The non-refundable application fee for all short-term vacation rentals are as follows in addition to any applicable transaction related fees: (i)Absentee STVRs a.Initial application fee: $500.00 b.Renewal fee: $500.00 (ii)Homestay STVRs a.Initial application fee: $250.00 b.Renewal fee: $250.00 (2)This application fee must be paid in full before any application is revie...

Short-Term Rental Parking Rules

Chattanooga's short-term vacation rental code requires adequate on-site parking sized to guest count and bars parking on any vegetated part of the lot.

Chattanooga STR Parking Requirement

Some Restrictions

Chattanooga City Code § 38-88(i)

Adequate on-site parking must be provided, as determined by the City after considering proposed number of guests, frequency of operations, and availability of on-street parking. As a general rule, parking is not allowed on any vegetated area of the premises on which the short-term vacation rental is located. .....(j)All occupants must abide by all applicable noise restrictions and all applicabl...

Occupancy Limits

Chattanooga caps how many bedrooms and how many people a short-term vacation rental can hold. Sec. 38-88(e) limits a unit to five bedrooms for rent, dropping to five sleeping rooms total on sites in the RN-1-6, RN-1-5, or RN-2 zones, and (f) sets the maximum occupancy with a per-bedroom formula that must be posted inside the unit.

Chattanooga Short-Term Rental Occupancy Formula

Some Restrictions

Chattanooga City Code § 38-88(e)-(f)(1)-(3)

(e)There must be no more than five bedrooms made available for rental in one dwelling unit. There must be no more than five sleeping rooms made available for a site located in the RN-1-6, RN-1-5, or RN-2 Zones. (f)The maximum occupancy is determined by the total of: (1)Two persons per bedroom up to 210 square feet plus an additional two persons. (2)For bedrooms over 210 square feet the occupant...

Host Presence Rule

Homestay short-term rental applicants must actually live on the property and prove it annually, with a driver's license, business records, or similar proof, to keep their Chattanooga STVR certificate active.

Chattanooga Homestay On-Premises Requirement

Some Restrictions

Chattanooga City Code § 38-89(c)(2)(i)-(ii)

For homestay dwellings, the applicant/owner must be a natural person or a business entity (i.e., a Tennessee LLC, corporation, partnership etc.) whose business entity applicant lives on premises and can establish proof of ownership annually. Residency of all applicants must be proved annually during renewal with driver's license number, business records, or other documentation acceptable to the...

Primary-Residence-Only Rule

Chattanooga splits short-term vacation rentals into two occupancy classes under Sec. 38-85: a homestay, defined as the applicant's primary residence for at least 183 days a year, and an absentee rental, which isn't. Only a homestay can operate in ordinary residential zones; an absentee unit is confined to hotel-permitting commercial zones or a 20-plus-acre parcel.

Chattanooga Homestay STR Primary Residence Rule

Significant Restrictions

Chattanooga City Code § 38-85, § 38-89(c)(2)

Short-Term Vacation Rental Occupancy. There are two designations regarding the occupancy status of a short-term vacation rental: (a)Homestay. A short-term vacation rental property which is the primary residence of the applicant. Primary is defined as the residence of the applicant at least 183 days a year. (b)Absentee. A short-term vacation rental property which is not the primary residence of ...

Extended Home Share

Non-owner-occupied 'absentee' short-term rentals are confined to Chattanooga's mixed-use and commercial zones that allow hotels, or to large parcels of 20+ acres under common residential ownership: unlike owner-occupied homestays.

Chattanooga Absentee Short-Term Rental Zoning

Significant Restrictions

Chattanooga City Code § 38-83(a)-(b)

New non-owner occupied/absentee properties are only allowed throughout the City in the mixed-use and commercial zones that allow a hotel. They are also allowed within any parcel of at least 20 acres or more with common ownership that allows for residential uses.

Repeat Violator Strikes

Chattanooga revokes a short-term vacation rental certificate after three documented Code or state-law violations tied to the rental's operation, barring reapplication for one year.

Chattanooga STR Three-Strike Revocation

Significant Restrictions

Chattanooga City Code § 38-90(e)(1)

The City reserves the right to revoke a granted short-term vacation rental certificate at any time upon notice to the owner and the short-term vacation rental certificate Agent and after a public hearing once the property has three documented violations of City Code or State Law as a direct result of the operation of the short-term vacation rental unit and no appeal rights of those violations r...

Looking for Hamilton County county-wide rules?

County ordinances apply to unincorporated areas and may supplement Chattanooga city rules.

Short-Term Rentals in Hamilton County