Story County, IA Short-Term Rentals: Short-Term Rental Permits (2026)
Short-term rental permit rules in Story County, IA, also called Airbnb permits, vacation rental licenses, or STR registration, list the application steps, fees, and operating requirements for hosting.
Key Facts
- Permit required
- Home Business Permit for a Bed and Breakfast Home
- Max guests
- Two families at any one time
- Host residency
- Host/hostess must live in the home
- Guest log
- Kept 3 years, available to county officials
- Food service
- Overnight guests only, not the public
- First offense fine
- Up to $750 (Section 93.03)
- Repeat offense fine
- Up to $1,000 per offense
Summary
In unincorporated Story County, turning a spare room into overnight-guest lodging is treated as a home business, not a hands-off short-term rental. The county's Land Development Regulations require a home business permit for a bed and breakfast home, cap it at two families of guests at any one time, require the host to live in the home, and limit food service to registered overnight guests only.
“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
10. 01, including that the owner or co-owner reside in the dwelling, that the business not occupy more than 49 percent of the home's gross floor area, and that it generate no nuisance from noise, odor, or traffic beyond the limits set for home businesses. On top of those baseline rules, the bed and breakfast standards add specifics: the host or hostess must be in residence during guest stays, no more than two families may be accommodated at one time, food may be served only to overnight guests and never to the general public, and guests must register their name, address, and vehicle license plate number upon arrival.
That guest log must be retained for three years and made available for inspection by Story County officials on request. The Planning and Development Director reviews the permit application against these standards, and the operator remains responsible for any other State or local permits and licenses that apply, such as food service or lodging requirements. A permit obtained under false pretenses or a business that later fails to meet the standards can be revisited through the county's inspection and complaint process, and expansion beyond these terms requires a conditional use permit rather than the by-right home business route.
Violations & Fines
A complaint finding a bed and breakfast home operating without the required permit, or exceeding the two-family limit or guest registration duty, goes to Planning and Development for investigation. A confirmed violation draws a written Notice of Violation and 30 days to correct it. Failure to comply allows a citation: fines up to $750 for a first offense and up to $1,000 for each repeat offense, each day counted separately, plus possible prosecution as a simple misdemeanor.
Frequently Asked Questions
Do I need a permit to run a bed and breakfast out of my Story County home?
How many guests can I host at once in unincorporated Story County?
What records am I required to keep on guests?
What happens if I operate without the required permit?
Sources & Official References
Other rules in Story County
How Story County compares: Most Airbnb-Friendly Cities in America·Compare Story County to another location·View the Iowa short-term rentals overview
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