Many Westchester municipalities, including Croton-on-Hudson, Tarrytown, and Larchmont, restrict short-term rentals to a host's primary residence to prevent investor-owned listings from removing housing supply from the long-term market.
Primary-residence STR rules generally require the host to live in the dwelling at least 183 days per year and provide documentation such as a NY State income-tax return, voter registration, or STAR exemption. Investor-owned, non-owner-occupied listings are typically prohibited or capped. Westchester County itself imposes no such rule, but local zoning codes often borrow language from the NYC Local Law 18 framework, adapted for suburban single-family neighborhoods. Hosts who own multiple Westchester homes can usually only register one for STR use.
Operating a non-primary-residence STR triggers stop-use orders, daily fines up to $1,000, and removal from booking platforms.
See how White Plains's primary-residence-only rule rules stack up against other locations.
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