Does Placer County cap short-term rental permits?

Yes — [your actual answer text]

The True Cost Ledger — North Lake Tahoe STR Calculator | Chris Gallagher

North Lake Tahoe STR Calculator

What it actually costs
to own here.

Snow removal. Fire insurance. Trash overage fees no one mentions until August. Enter your numbers below and get the full ledger — not just the mortgage payment.

01 Property & Financing

The purchase itself.

Purchase price

Down payment

Interest rate

Loan term

yrs

Closing costsTitle, escrow, lender fees

Furnishing & setupOne-time — furniture, linens, initial supplies

02 Rental Revenue

What the place can earn.

Average nightly rate

Occupancy rate% of available nights booked

Average length of stay

nts

Booking platform host feeAirbnb's 15.5% host-only fee (Sept 2026)

03 Fixed Annual Costs

Owed whether or not a single night books.

Property tax rate

Fire & homeowners insuranceTahoe wildfire-zone premiums run high

STR liability rider

HOA / association dues

/mo

STR permit / license feeCounty-dependent — see county rules pages

04 Site & Seasonal Costs

The things that surprise out-of-area buyers.

Snow removal / plowing

/yr

Landscaping & pest control

/yr

Pool / hot tub service

/mo

05 Guest-Servicing Costs

Scales with how often the place turns over.

Cleaning cost per turnover

Cleaning fee charged to guestSet equal to cost above for a wash

Trash service, base

/mo

Trash overage feesGuests fill bins faster than owners expect

/mo

Supplies & restockingToiletries, paper goods, coffee, starter kits

/mo

Electric & propane

/mo

Water & sewer

/mo

Internet & streaming

/mo

Channel manager / pricing tool

/mo

Property management fee0 if self-managed

06 Reserves

What a careful owner sets aside.

Maintenance reserve% of gross revenue, for repairs

CapEx reserve% of gross revenue, for replacements

07 Living in Tahoe

The weeks you keep for yourself.

Personal use weeks / yearBlocked from the rental calendar

wks

The True Cost Ledger

Annual, itemized

Revenue

Gross rental revenue—

Platform host fee—

Effective rental income—

Fixed costs

Property tax—

Fire & homeowners insurance—

STR liability rider—

HOA dues—

Permit / license fee—

Site & seasonal

Snow removal—

Landscaping & pest control—

Pool / hot tub service—

Guest servicing

Cleaning (net of guest fee)—

Trash, base + overage—

Supplies & restocking—

Electric & propane—

Water & sewer—

Internet & streaming—

Booking software—

Property management fee—

Reserves

Maintenance reserve—

CapEx reserve—

Net operating income—

Debt service (P&I)—

Annual cash flow—

—

Cash-on-cash

—

Cap rate

—

Break-even occ.

3 weeks a year are yours — mornings on the deck, not a booking.

PRICELESS

Estimates only, not a guarantee of investment performance. Every figure above is one you entered — this tool does not access MLS or any listing service data. Confirm insurance, tax, and permit costs with your lender, insurance agent, and county before relying on these numbers.