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Story County, IA Short-Term Rentals: Short-Term Rental Permits (2026)

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

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.

“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?
Yes. Story County treats a bed and breakfast home as an accessory home business, so you need a home business permit through the Planning and Development Department before hosting any overnight paying guests, even out on your own land in the A-1 Agricultural District.
How many guests can I host at once in unincorporated Story County?
The ordinance limits a bed and breakfast home to a maximum of two families of overnight guests at any one time, and the host or hostess must reside in the home while guests are staying there.
What records am I required to keep on guests?
You must have each guest register their name, address, and vehicle license plate number upon arrival, and keep that log for three years so Story County officials can examine it on request at any time.
What happens if I operate without the required permit?
The county issues a Notice of Violation with 30 days to comply, then can cite you for a County infraction carrying fines up to $750 for a first offense and up to $1,000 for each repeat offense, with each day a separate violation.

Sources & Official References

Other rules in Story County

All Story County rules

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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