Mid-term rental calculator

Furnished stays of a month or more sit between Airbnb and a lease. Compare a mid-term rental with a long-term lease on net income, including gap weeks, utilities and furnishing.

Mid-term (furnished, 30+ nights)

Gaps between tenants

Deep clean, restock, inspection

0 if your channel charges a flat fee

Long-term lease

Paid either way

Net income per year

Mid-term$1,108
Long-term−$2,040
Extra empty weeks mid-term can absorb before a lease wins4.0 weeks
Mid-termLong-term
Rent collected$36,092$27,360
Fees−$400$0
Utilities, furnishing, turnovers−$6,985−$1,800
Shared costs−$27,600−$27,600
Net$1,108−$2,040

Mid-term occupancy: 88% (10.6 rented months, about 3.5 turnovers). To compare with nightly Airbnb hosting, use the Airbnb vs long-term calculator.

Short-term, mid-term or long-term?

Short-term (nightly)Mid-term (1–6 months)Long-term (12-month lease)
TurnoversEvery few nightsA few per yearAbout one per year
FurnishedYesYesUsually not
UtilitiesHost paysHost usually paysTenant usually pays
STR rulesApplyOften exempt at 30+ nightsDon't apply
Occupancy taxUsually appliesOften exempt for long staysNo
WorkHighMediumLow

Mid-term works best near hospitals, universities, military bases and corporate campuses, where people need furnished housing for a contract or a move. It is also a common fallback when a city restricts nightly rentals, or a way to fill an Airbnb's off-season: set a 30-night minimum for the quiet months and nightly bookings for peak.

Questions hosts ask

What is a mid-term rental?

A furnished rental for stays of roughly one to six months, popular with travelling nurses, people relocating, remote workers and families in temporary housing. Stays of 30 days or more fall outside many cities' short-term rental rules and usually outside hotel occupancy taxes, but check your local definitions.

Do mid-term rentals make more than long-term rentals?

Furnished monthly rents are often noticeably higher than unfurnished leases for the same home, but you pay for furnishing, usually utilities and internet, and you have gaps between tenants. The calculator shows the net comparison and the number of empty weeks the mid-term option can absorb before it loses its edge.

Where do people list mid-term rentals?

Common places are Furnished Finder (aimed at travelling healthcare workers), Airbnb and Vrbo with monthly discounts and 30-night minimums, and general rental sites. Fees vary: some charge the host a flat listing fee, others a percentage. Enter whatever your channel charges as a yearly listing cost or a percentage.

Are mid-term rentals covered by short-term rental bans?

Often not, because many ordinances define a short-term rental as a stay under 30 days. But tenancy law may apply to longer stays, which can affect deposits and evictions. Check both your STR ordinance and your landlord-tenant law.

Run the other numbers