Short-term rental rules · Independence, Missouri
Short-term rentals in Independence, explained properly.
Short-term rentals are allowed in the City of Independence, Missouri only on properties authorized under the Unified Development Ordinance: in residential districts only in single family and duplex dwellings, in other districts also in residential units in commercial buildings, and never in multi-family units. Every rental needs a City occupation license and an approved short-term rental application. In residential areas the Planning Commission holds a public hearing, and a rental must keep at least 500 feet from another and stay within one rental per eight residential structures on a block face. An operator can run no more than five rentals, with four or fewer guestrooms, two guests per bedroom and ten occupants at most, a Responsible Agent within an hour's drive, and $1,000,000 in liability coverage. The operator may not live in the unit while it is rented. The district tables, license fee and transient guest tax rate are not shown in the pages read, so this page does not confirm that a given address can be approved. State sales tax applies on top of any local tax, and this page does not total them.
At a glance
What you need to know before you buy or list
| Question | Answer |
|---|---|
| Are short-term rentals allowed? | Conditional: only on properties authorized under Sections 14-300 and 14-301; in residential districts only in single family and duplex dwelling units; in other districts also in residential units in commercial buildings; not in multi-family housing units; the district list that shows where the use is allowed is not shown here [1] ClauseConfirming |
| Is a City occupation license and short-term rental permit required? | Yes: every short-term rental needs an occupation license under Chapter 5 of the City Code, its number must be listed on all advertisements and online platforms, and an application to the Department of Community Development is reviewed and approved before the use starts [1] Clause |
| Must the owner live on the property? | No: the operator may not live in the short-term rental unit while it is rented [1] Clause |
| Is there a limit on how many short-term rentals one operator can run? | Yes: no more than five separate short-term rentals per operator [1] Clause |
| Is there a density or spacing limit between short-term rentals? | Conditional: in residential districts no more than one short-term rental per eight residential structures on a block face (one is permitted on a block face with fewer than eight) and none within 500 feet of another existing or proposed short-term rental; the 500-foot separation does not apply in the ARTS District; commercial districts are outside these limits [1] Clause |
| Is there a maximum number of bedrooms for a short-term rental? | Yes: the short-term rental must contain four or fewer guestrooms for occupancy [1] Clause |
| Are short-term rentals allowed in multi-family housing units? | No: short-term rentals are not permitted in multi-family housing units [1] Clause |
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Detailed rules
The full picture, section by section
Permit and license process
| Can a short-term rental permit be transferred? | No: the permit is not transferable to another operator, owner or location, and a sale or transfer of the property requires a new Short-Term Rental Permit [1] Clause Sec. 14-424-15 says short-term rental permits are not transferable to another operator, owner or location. If a property with an approved short-term rental is sold or transferred to any other person, a new Short-Term Rental Permit is required. |
|---|---|
| How is a short-term rental application reviewed and approved? | In residential districts and residential buildings in non-residential districts: Planning Commission public hearing with mailed notice to owners within 185 feet and a posted sign; in commercial districts (non-residential buildings): Community Development Director review; a valid protest by owners of 25 percent of the land within 185 feet sends the decision to City Council [1] Clause Sec. 14-424-23-A covers applications in non-residential buildings in commercial districts: the Community Development Director coordinates review with the Development Review Committee and may approve if the applicant presents clear and convincing evidence of conformity; appeals go to the Planning Commission within 15 calendar days and then to the City Council. Sec. 14-424-23-B covers residential districts and residential buildings in non-residential districts: after review by City officials the Department mails notice of the required public hearing to property owners within 185 feet, 15 days before the hearing, and the applicant posts a City-furnished sign. The Planning Commission approves, approves with conditions or denies and may set operating requirements; an applicant may appeal to the City Council within five business days. A legal protest signed by owners of 25 percent or more of the land within 185 feet, filed no later than 24 hours before the meeting, makes the Commission action a recommendation only, and the application then becomes effective only by the favorable vote of five of all the members of the City Council. |
| Is a rental inspection required? | Yes: a rental ready inspection is required before renewal of the annual business license; an inspection of any kind not older than 12 months may be submitted [1] Clause Sec. 14-424-21 requires all short-term rentals to obtain a rental ready inspection before renewal of the annual business license, beginning July 1, 2020. A valid rental unit inspection is submitted in the form and manner the City prescribes as part of the renewal, and any rental dwelling that has been inspected for any reason may submit that report if it is not older than 12 months. |
| City transient guest tax | Short-term rentals must comply with Article 3, Chapter 5 of the City Code (transient guest tax); the rate is not shown here [1] Clause Sec. 14-424-04 requires compliance with Article 3, Chapter 5 of the City Code. The applicant must show that the City has a voluntary collection agreement with any web platform where the property will be listed; if the City has none for a platform, the owner must enter a separate agreement with the City to collect and remit the taxes before listing on that platform. The tax rate is set in Article 3 of Chapter 5, which is not shown here, and this page does not total state and City taxes. |
| Is liability insurance required? | Yes: liability insurance of not less than $1,000,000 in the aggregate, or each transaction through a platform that provides equal or greater coverage [1] Clause Sec. 14-424-14 requires operators to maintain liability insurance appropriate to the short-term rental use of not less than $1,000,000 in the aggregate, or to conduct each short-term rental transaction through a platform that provides equal or greater insurance coverage. |
Operating rules
| Is there a limit on the number of guests? | Yes: two guests per bedroom per stay (children five years old and under not counted), and a total maximum occupancy of ten occupants including adults and children [1] Clause Sec. 14-424-07 allows no more than two guests per bedroom per guest stay, excluding children five years old and under, with a total maximum occupancy of ten occupants, which includes adults and children. |
|---|---|
| Responsible Agent | Required: each owner designates a Responsible Agent (may be the owner) located within an hour's drive of Independence, reachable 24 hours a day and able to respond to a complaint within an hour [1] Clause Sec. 14-424-09 requires each owner to designate a person or company as Responsible Agent, who may be the owner. The agent must be located within an hour's drive of Independence, have access and authority to assume management of the unit and take remedial measures, be available 24 hours a day seven days a week, and affirmatively respond to complaints within an hour of notification. Changes to the agent's name, address or telephone numbers go to the City within five business days. |
| Are events and parties allowed? | Prohibited: weddings, banquets, parties, charitable fundraising and similar gatherings; small, informal noncommercial gatherings of family and friends of guests are permitted if not a disturbance [1] Clause Sec. 14-424-10 prohibits hosting weddings, banquets, parties, charitable fundraising or other similar gatherings. Small, informal noncommercial gatherings of family and friends of short-term rental guests are permitted, provided the gathering is not a disturbance to the surrounding neighborhood, including parking or noise issues. |
| Can a short-term rental be rented to more than one booking party at a time? | No: a short-term rental may not be rented to more than one booking party at a time [1] Clause Sec. 14-424-11 says a short-term rental shall not be rented to more than one booking party at a time. |
| Can the operator provide food or meals to guests? | No: the operator is prohibited from providing food, light snacks or other meals to guests [1] Clause Sec. 14-424-13 prohibits the short-term rental operator from providing food, light snacks or other food or meals to guests. |
| Noise management plan | Required: a noise management plan with continuous operation of noise monitoring devices while the property is rented, and quiet hours and noise-ordinance penalties posted inside [1] Clause Sec. 14-424-17 requires every short-term rental to maintain a noise management plan that includes continuous operation of noise monitoring device(s) while the registered property is rented. The quiet hours and the penalties for violating the City noise ordinance must be posted in a prominent location inside the rental. The quiet hours themselves are set in the City noise ordinance, which is not shown here. |
| Parking | Off-street parking is required under Section 14-501-05, with a credit of one space for every 18 feet of lot frontage; required parking must be on an approved hard-surface driveway or pad [1] Clause Sec. 14-424-18 requires off-street parking under Section 14-501-05 and allows a credit of one space for every 18 feet of lot frontage. All required parking must be on an approved driveway and adjoining asphalt or concrete pads, or other designated, approved parking areas. Parking on other than asphalt, concrete, paver stones, brick or other hard durable surface, as determined by the Community Development Director, is expressly prohibited. The parking count in Section 14-501-05 is not shown here. |
| Refuse collection | Required: refuse collection from a collector licensed to operate in Independence, and a trash disposal and collection plan [1] Clause Sec. 14-424-19 requires refuse collection services from a collector licensed to operate within the City and a trash disposal and collection plan so that containers are not left outdoors in violation of City Code. |
| Safety and posting requirements | Required: escape-route map and emergency contact in each guest room, carbon monoxide detection, child-proofed outlets, fire extinguishers and smoke detectors as required by code, and the Good Neighbor Guidelines, occupancy, evacuation, parking, trash and noise plans, agent contact and license number posted inside [1] Clause Sec. 14-424-20 requires a map identifying escape routes and emergency contact information for the owner or manager to be provided to each guest and posted in each guest room, carbon monoxide detection as required by code, child-proofed electrical outlets, fire extinguishers as required by code and smoke detectors as required by code. Sec. 14-424-16 requires the City's Good Neighbor Guidelines, the maximum permitted occupancy, evacuation plan, parking plan, trash disposal plan, noise management plan, Responsible Agent name and contact information, the street address and the short-term rental license number to be posted in a prominent location in the dwelling. |
Penalties & enforcement
| Violations and penalties | Violating the section is unlawful and subject to the violation, penalty and enforcement provisions of Section 14-801; the fine amounts in Section 14-801 are not shown here [1] Clause Sec. 14-424-24 makes it unlawful to violate or fail to comply with any requirement of the section and subjects violators to the violation, penalty and enforcement provisions of Section 14-801, which was not in the pages read for this page. |
|---|---|
| Suspension or revocation | A short-term rental may be revoked after a hearing: the Community Development Director starts proceedings after two or more citations in a three month period, fraud or false information in an application, a violation that significantly endangers public health, safety or welfare, or failure to report and pay transient guest, sales or property taxes; the Planning Commission recommends and the City Council decides [1] Clause Sec. 14-424-25 allows suspension or revocation in addition to any fine. Notice of the hearing is mailed at least 14 calendar days before the Planning Commission hearing. The Commission considers the seriousness of the violation, impact on the neighborhood, corrective action, prior violations, likelihood of recurrence, the surrounding circumstances and how long the licensee has held a license, then votes on a recommendation. The City Council then holds its own hearing, and its findings are final and conclusive. |
State law that also applies
| Missouri state sales tax on lodging | Missouri's sales tax statute taxes charges for rooms furnished at hotels, motels, inns, tourist cabins and other places in which rooms are regularly served to the public at 4%; the Department of Revenue gives the total state sales tax rate as 4.225% [2] [3] Clause 1 Clause 2 Section 144.020.1(6) of the Revised Statutes of Missouri imposes a tax equivalent to four percent on the amount of sales or charges for all rooms, meals and drinks furnished at any hotel, motel, tavern, inn, restaurant, eating house, drugstore, dining car, tourist cabin, tourist camp or other place in which rooms, meals or drinks are regularly served to the public. The Department of Revenue says the state sales and use tax is 4.225 percent in total, split among General Revenue (3.0 percent), Education (1.0 percent), Conservation (0.125 percent) and Parks/Soils (0.10 percent), and that cities, counties and special taxing districts may add their own sales taxes. The sources read do not say whether, or when, a privately owned home rented for short stays counts as a place in which rooms are regularly served to the public; check with the Department of Revenue. City and county taxes are shown on each place's page. |
|---|---|
| Do booking platforms collect the state sales tax? | No Missouri statute or Department of Revenue statement was found that requires booking platforms to collect the state sales tax on stays; the marketplace facilitator law covers use tax on sales delivered into Missouri and does not cover travel agency services, which it defines to include facilitating hotel or other lodging accommodations [4] Clause Section 144.752, in effect since January 1, 2023, requires marketplace facilitators that do business in Missouri to register with the Department of Revenue to collect and remit use tax on sales made through their marketplaces that are delivered into the state. The section's definition of a marketplace facilitator does not include a person with respect to the provision of travel agency services, which it defines as facilitating, for a commission, fee or other consideration, travel packages, travel reservations, tickets, or hotel or other lodging accommodations. The Department of Revenue pages read do not say whether booking platforms collect state sales tax on short-term rental stays; check with the platform and the Department of Revenue. City rules on platform collection of city taxes are shown on each place's page. |
| Statewide short-term rental law? | No statewide short-term rental license, ban or limit on local rules was found in the Revised Statutes of Missouri; House bills in 2025 and 2026 on the property tax classification of homes used as short-term rentals did not pass [5] [6] Clause 1 Clause 2 A word search of the Revised Statutes of Missouri found no section regulating the short-term rental of homes, so local rules apply. In the 2026 Regular Session, House Bill 1768 (combined with HB 2060), which modifies provisions relating to the classification of certain residential real property used for short-term rentals, was sent to the Senate, which adopted its own substitute; its last action, on May 15, 2026, was referral to the House Fiscal Review Committee, and the House bill page shows it was not truly agreed to and finally passed. In the 2025 Regular Session, House Bill 1086 on the same subject was last voted do pass by a Senate committee on May 1, 2025. A similar bill could be filed in a later session. |
Changes
Recent and pending changes
We read the Code of Ordinances title page and Chapter 14, Section 14-424 (Short-term rental) of the Unified Development Ordinance as published on Municode and fetched on October 16, 2026. We haven't reviewed Sections 14-300 and 14-301, the parking table, Section 14-801, the occupation license chapter, the transient guest tax article, the fee schedule, or City Council and Planning Commission agendas yet, so we will watch the Code and Council actions for changes.
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.