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Story County, IA Short-Term Rentals: Occupancy Limits (2026)

Some Restrictions
Compiled from the official code textEditor Martyn O'NeillLast verified September 2026

Key Facts

Occupancy cap
2 families at a time
Host requirement
must live in the home
Guest records
kept 3 years: name, address, plate number
Food service
overnight guests only
Permit needed
home business permit
First-offense penalty
up to $750 civil fine

Summary

A bed and breakfast operating as a home business in unincorporated Story County can host no more than two families' worth of overnight guests at any one time, under Code of Ordinances § 85.08(23). The host must live in the home, keep three years of guest registration records, and serve food only to overnight guests.

These county ordinances apply to unincorporated areas of Story County. Incorporated cities within the county may have their own rules that take precedence over county-level regulations.

23. “Bed and breakfast home” means an accessory use of a single-family dwelling for the accommodation of overnight guests, which such use is permitted through a home business permit addressing those standards for approval as well as the following: accommodations must be in the family home that the host/hostess is in residence; accommodations are limited to a maximum of two families at any one time; food shall be served only to overnight guests and not to the general public; upon arrival, guests shall register with the host/hostess their names, address, and license plate number of the vehicle being used by the guests and such records kept for a period of three years and be available for examination by Story County officials upon request; and other local and State regulations regarding any related permits and licenses are the responsibility of the applicant.

Full Breakdown

08(23) as permitted only through a home business permit that layers additional standards onto the general home business rules. Accommodations are capped at two families at any one time, the host or hostess must actually live in the home while it operates, and food service is limited to overnight guests, not walk-in customers from the general public. Every arriving guest has to register with the host, giving their name, address, and vehicle license plate number, and the operator must keep those records for three years and produce them for County officials on request.

Because it's licensed as a home business, a bed and breakfast also has to satisfy the general home business standards elsewhere in the Land Development Regulations, such as limits on the number of accessory buildings used for the business and the allowed floor area devoted to it, and the operator remains responsible for any other State or local permits and licenses tied to lodging, such as a food establishment permit from the Iowa Department of Inspections and Appeals. Because the definition ties the use to a home business permit rather than a use-by-right, the Planning and Development Department reviews and approves the permit before a bed and breakfast can open, and can act on noncompliance with the two-family cap or the registration requirement.

Violations & Fines

Operating a bed and breakfast without the required home business permit, or exceeding the two-family accommodation limit, is a Land Development Regulations violation and a county infraction under Section 93.03, carrying a civil penalty of up to $750 for a first offense and up to $1,000 for each repeat offense, with each day of noncompliance a separate offense. Failing to keep the required three-year guest registration records is likewise enforceable by the Planning and Development Department as a permit condition violation.

Frequently Asked Questions

How many guest families can a Story County bed and breakfast host at once?
No more than two families at any one time, under Section 85.08(23), regardless of how many bedrooms the home has.
Does the owner have to live on-site?
Yes. The definition requires accommodations to be in the family home while the host or hostess is in residence there, not a separate rental property.
What records does a bed and breakfast have to keep?
Every guest's name, address, and vehicle license plate number at registration, retained for three years and available to Story County officials on request, under Section 85.08(23).
Can a bed and breakfast serve meals to the public?
No. Food may be served only to overnight guests, not to the general public, under the same definition.

Sources & Official References

Other rules in Story County

All Story County rules

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