Home · STR Regulations · Finger Lakes, NY
Verified Aug 16, 2026 · Primary Sources Cited

Finger Lakes, NY Short-Term Rental Regulations

Current permit-cap status, minimum-stay requirements, owner-occupancy rules, and jurisdiction breakdown for short-term rentals in Finger Lakes. Every field is cited to a primary source below. Always verify the specific parcel with the operating jurisdiction before writing an offer.

Finger Lakes, NY regulatory profile

Last material change: April 2026 - Ontario County Board of Supervisors publicly leaning toward opting out of NYS statewide STR registry; town-level ordinance adoption continues piecemeal.
Mixed
Summary

Finger Lakes STR rules vary sharply by town; Ontario County is opting out of the NYS registry while individual towns (Canandaigua, Canadice, Fayette, Varick) adopt their own permit and occupancy rules.

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Notes for investors

Do not treat 'Finger Lakes' as one regulatory environment - underwrite at the town level. Town of Canandaigua (Ontario County) enforces stricter residential-zone limits; Town of Canadice (Ontario) permits STRs but caps occupancy at 12 with pre-rental zoning inspection; Town of Fayette (Seneca) requires application-based permits; Town of Varick (Seneca) is adopting STR ordinance in its zoning code. Lakefront parcels are often in the most restrictive residential zones. Always pull the target town's zoning code and STR local law before offer.

Permit required
Not specified
Permit cap in place
Not specified
No regional STR ordinance. Permit requirements are town-by-town. Ontario County leaning toward opting out of the 2024 NYS statewide STR registry; Seneca County collects a 3% occupancy tax. Buyer must verify at parcel town level.
Minimum stay
No minimum specified
Owner-occupancy required
Not specified
Primary residence only
Not specified
Operator on site required
Not specified

Operating jurisdictions · primary sources

Ontario County
Ontario County (Canandaigua Lake area) - considering opt-out from NYS STR registry
https://www.ontariocountyny.gov/
Seneca County
Seneca County (between Cayuga and Seneca Lakes) - 3% occupancy tax; town-level STR ordinances in Fayette and Varick
https://www.co.seneca.ny.us/
New York State (statewide STR registry)
2024 NYS STR law creating statewide registry; counties may opt out
https://www.nysac.org/media/1aqfhw4f/str-implementation-memo-may-28-2025.pdf
Have a specific Finger Lakes property in mind? Run a $99 DepreciMax property report to size the Year-1 §168(k) bonus depreciation deduction on a specific address — line-item finish classification and calibration to a formal cost seg study.
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Verified as of 2026-08-16DepreciMax targets quarterly re-verification

Frequently asked questions · Finger Lakes STR regulations

Are short-term rentals legal in Finger Lakes, NY?

Short-term rentals in Finger Lakes are classified as mixed as of 2026-08-16. Finger Lakes STR rules vary sharply by town; Ontario County is opting out of the NYS registry while individual towns (Canandaigua, Canadice, Fayette, Varick) adopt their own permit and occupancy rules.

Is there a short-term rental permit cap in Finger Lakes?

Not clearly documented in the primary source. No regional STR ordinance. Permit requirements are town-by-town. Ontario County leaning toward opting out of the 2024 NYS statewide STR registry; Seneca County collects a 3% occupancy tax. Buyer must verify at parcel town level.

What is the minimum-stay requirement for short-term rentals in Finger Lakes?

The primary source does not specify a minimum stay for short-term rentals.

Does Finger Lakes require owner-occupancy for short-term rental permits?

Finger Lakes has an unclear owner-occupancy requirement per the primary source owner-occupancy for short-term rental operators as of 2026-08-16. Verify the specific parcel with the operating jurisdiction before offering, as owner-occupancy rules interact with zoning overlays.

How can I check if a specific property in Finger Lakes qualifies for short-term rental use?

Contact the operating jurisdiction directly using the primary-source links published on this page. Zoning, HOA restrictions, and pending regulatory changes are parcel-specific and can override the citywide profile above. DepreciMax's $99 property report separately sizes the Year-1 §168(k) bonus depreciation deduction for a specific address, once regulatory clearance is confirmed.

How do I estimate the Year-1 bonus depreciation on a specific Finger Lakes property?

Once you've verified the regulatory profile of a listing you're considering, run a $99 DepreciMax property report to size the actual Year-1 §168(k) bonus depreciation deduction. The report analyzes the listing photos to classify finishes as 5-year personal property, 15-year land improvements, or 39-year structural — producing a line-item estimate closely calibrated to a formal cost seg study.

Where do I check other STR markets?

Use the DepreciMax STR Regulations Database for the full top-50 market fleet — every market cited to a primary jurisdiction source, updated quarterly.

Not legal or tax advice. Short-term rental regulations change frequently and vary by parcel, zone, and HOA. The information on this page is a summary of publicly available primary sources as of 2026-08-16. Before acting — buying, listing, or operating a short-term rental in Finger Lakes — verify current rules with the operating jurisdiction and consult a local attorney and CPA.