Short-term rental rules · Destin, Florida
Short-term rentals in Destin, explained properly.
Short-term rentals are core to Destin's economy and are allowed, but single-family homes and townhomes must sit in one of 12 designated zoning districts (mostly resort and mixed-use districts, plus Crystal Beach Neighborhood and the Holiday Isle residential districts) to legally register — condos are exempt from that zoning rule but still need a state DBPR license. On top of city registration, owners face strict occupancy caps, mandatory parking, a 24/7 local contact requirement, and escalating late fees and penalties for non-compliance.
At a glance
What you need to know before you buy or list
| Question | Answer |
|---|---|
| Are short-term rentals allowed? | Yes, but zoning-restricted for single-family homes/townhomes [1] |
| Which zones allow single-family/townhome STRs? | 12 designated zoning districts only [2] |
| Do condos need city zoning registration? | No, but they need a state DBPR license [3] |
| State DBPR license required? | Yes, if renting whole-unit to transient guests more than 3x/year [4] [1] |
| Owner-occupancy required? | No [1] |
| Maximum overnight occupancy | 2 adults/bedroom + 4, capped at 24 total [2] [3] |
| 24/7 local contact required? | Yes — a local responsible party able to be at the property within 1 hour [2] |
| City registration fee | $500–$700, by square footage [2] [5] |
| Typical combined lodging tax | 13% [6] [7] [8] |
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Detailed rules
The full picture, section by section
Eligibility & zoning
| Grandfathered pre-2011 rules elsewhere in Florida | Not applicable to Destin [1] Florida's state preemption law only bars STR bans and frequency regulation in ordinances adopted after June 1, 2011. Some older Florida cities (e.g., Miami Beach, Key West) retain pre-2011 bans in certain zones under grandfathering, and Destin's zoning-based restriction on single-family/townhome STRs works through zoning eligibility rather than an outright ban. Whether Destin's district restriction predates June 1, 2011 (and so is grandfathered) has not yet been confirmed against the city's own code history. |
|---|---|
| What Destin can and cannot regulate | Can regulate licensing, occupancy, parking, noise; cannot ban or limit frequency [1] Under Florida's partial preemption framework, Destin may impose local licensing/registration and inspections, maximum occupancy, parking, and noise rules, 24/7 responsible-party requirements, and life-safety/nuisance ordinances. It cannot impose an outright ban, a minimum-stay requirement, or a cap on rental frequency per year, and cannot regulate STRs solely on the basis of their classification, use, or occupancy. |
Licensing & application
| Registration requirements checklist | Business Tax Receipt + DBPR license + city STR registration [3] [2] Operators must hold: a City of Destin Business Tax Receipt (renewed by September 30), a Florida DBPR vacation-rental license ($50 application + $10 HEP fee + a license fee that varies by district and unit count), and a City of Destin STR registration (renewed every year; registration opens January 1, with late fees after March 31). A Bedroom/Parking Affidavit documenting legal bedrooms and on-site parking must also be submitted. Registrations can't be transferred to a new owner or a new management company. |
|---|---|
| Parking requirement | 1 parking space per bedroom [3] [2]Confirming Destin requires one on-site parking space per legal bedroom, documented via a Bedroom/Parking Affidavit submitted with the registration application. |
| Change-of-use fee | $2,000, if converting from residential to commercial use [5]Confirming Applies to: Applies only to use-classification conversions, not standard registration renewals A separate $2,000 Change of Use application fee applies if a property's use classification is being converted from residential to commercial in order to operate as a short-term rental. |
Operating rules & enforcement
| Penalty for operating unregistered | Misdemeanor charges up to $500 fine + 60 days jail; DBPR fines up to $1,000/day [5]Confirming Operating an unregistered short-term rental can result in misdemeanor charges carrying fines up to $500 and up to 60 days imprisonment, plus administrative actions such as registration denial, suspension, or revocation. Separately, state DBPR violations can reach $1,000 per day. |
|---|---|
| Late registration fees | $100 after March 31; $500 after June 1 [2] Registration opens January 1 each year. Properties registered after March 31 pay a $100 late fee; after June 1 the late fee is $500. |
| HOA/condo association rules | Can be stricter than government rules — supersede for that property [3] HOA and condo association rules may impose minimum stay lengths, rental frequency caps, platform restrictions, and guest age requirements beyond what city or state law requires; these private restrictions are enforceable against the property regardless of what government rules allow. |
Taxes & fees
| Florida state sales tax | 6% [5] Florida's state sales tax applies to short-term rental transactions (stays under 6 months) statewide, including in Destin. |
|---|---|
| Okaloosa County Tourist Development Tax | 6% (plus 1% county sales surtax) [9] [8] [7] Okaloosa County levies a 6% Tourist Development Tax on rentals of six months or less (6% since January 1, 2023 in the original district and since March 1, 2025 in the expanded district). It is county-administered: owners/operators register with the county and remit monthly, separately from state sales tax. The county's 1% discretionary sales surtax is collected with the 6% state sales tax, not with the tourist tax. |
| Do platforms collect/remit tax automatically? | Yes, typically [5]Confirming Major booking platforms like Airbnb and Vrbo typically handle automatic collection and remittance of applicable state and county taxes on behalf of hosts, though hosts remain responsible for confirming this is happening correctly for their listing. |
| State DBPR license fee | $50 application + $10 HEP fee + license fee (single unit roughly $90–$170) [4] Applies to: License fee varies; use DBPR's fee calculator for an exact figure A new Florida DBPR vacation-rental license costs a $50 application fee and a $10 Hospitality Education Program fee, plus a license fee that varies by county district, unit count and timing within the renewal cycle (DBPR's single-unit examples run from $90 for a half-year to $170 for a full year). This is on top of city registration fees. |
Changes
Recent and pending changes
We re-checked Florida Senate bill pages, Florida DOR tax rate tables (DR-15TDT, DR-15DSS, GT-800034), the Okaloosa County Clerk's tourist development tax FAQ and DBPR's vacation rental licensing guide. Florida SB 280 (2024) was vetoed on June 27, 2024. In the 2026 session, SB 608 (vacation rental pool safety) was folded into CS/CS/SB 658 (water safety equipment for rentals and vacation rentals), which passed the Senate but died in House messages on March 13, 2026; neither bill touched local STR regulation or taxes, and no statewide vacation rental law was enacted in 2025 or 2026 that affects Destin. Okaloosa County's tourist development tax is now 6% (raised from 5% on January 1, 2023). The City of Destin's own STR pages, FAQ, 2026 registration guide and Municode text still could not be fetched automatically, so city-level ordinance amendments since the last check are unconfirmed.
SB 280 would have centralized state oversight of vacation rentals, including requiring platforms to collect and remit taxes and further limiting local regulation. Governor DeSantis vetoed the bill on June 27, 2024, leaving Florida's existing partial-preemption framework (grandfathered pre-2011 local rules, no outright bans or frequency caps for post-2011 jurisdictions) in place.
Okaloosa County's tourist development tax on rentals of six months or less rose from 5% to 6% in the original tax district on January 1, 2023, and in the expanded district on March 1, 2025. Combined with 6% state sales tax and the county's 1% sales surtax, Destin short-term rentals now carry 13% in lodging taxes.
Sources
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This page is general information compiled from public sources, not legal or tax advice. HOA rules, deed restrictions and zoning for a specific property can be stricter. Confirm with the local permitting office and a qualified professional before buying or listing a property.