Georgina Short-Term Rental Regulation: A Guide For Airbnb Hosts

What are Short-Term Rental (Airbnb, VRBO) Regulations in Georgina, Canada?

The Town of Georgina, located on the south shore of Lake Simcoe in Ontario, Canada, has established regulations for short-term rental accommodations (STRAs) such as those listed on Airbnb and VRBO. These rules aim to balance the benefits STRAs provide to tourism with protecting the character of residential neighborhoods.

Starting a Short-Term Rental Business in Georgina

As of January 2020, Georgina requires all short-term rental operators to obtain a license from the town. A short-term rental is defined as renting out a dwelling unit or part of one for less than 30 consecutive days.

• To apply for a STRA license, you must:
• Complete a Short-Term Rental Application form
• Pay the $250 license fee ($150 for annual renewal)
• Provide government ID showing you are at least 18 years old
• Show the rental property is your primary residence with documentation like a driver's license or voter registration
• Provide a certificate of $2 million liability insurance covering the STRA use
• Submit floor plans showing locations of smoke alarms, CO detectors, and fire extinguishers
• Provide a site plan showing property dimensions, buildings, and parking

Rental properties must meet building code and fire safety requirements, with smoke alarms in each bedroom, CO alarms outside sleeping areas, and a 5lb ABC fire extinguisher. The property address must be clearly posted and visible from the street.

STRAs are allowed in residential zones, with a maximum of 12 guests total. No more than 150 STRA licenses will be issued in Georgina, and STRAs cannot be located within 100 meters of each other to avoid clusters of party houses in neighborhoods.

Georgina's interactive zoning map shows where short-term rentals are permitted. Some sensitive environmental areas near Lake Simcoe have additional restrictions on STRAs to limit impacts.

The town maintains an online registry of all licensed short-term rentals, including contact info for the designated responsible person managing each property. Complaints about STRAs can be made to Georgina's Municipal Law Enforcement office.

While some STRA hosts argue the regulations infringe on property rights, Georgina aims to address issues like noise, parking, and neighborhood character through its licensing system. By following the town's rules, STRA operators can legally run their businesses while being good neighbors in the community.

Short-Term Rental Licensing Requirement in Georgina

As of January 2020, the Town of Georgina requires all short-term rental operators to obtain a license. The licensing program aims to regulate STRAs, ensuring they meet building and safety standards while minimizing impacts on residential neighborhoods.

To apply for a STRA license, operators must submit:

1. A completed Short-Term Rental Application form
2. Proof of applicant's age (18+) and legal status in Canada
3. Proof that the rental property is the applicant's primary residence, demonstrated by government ID or tax documents
4. Certificate of $2 million liability insurance covering the STRA use
5. Floor plans showing locations of smoke/CO alarms and fire extinguishers
6. Site plan with property dimensions, buildings, and parking
7. Owner authorization if the applicant is a tenant and not the property owner

The annual licensing fee is $250 for a new application and $150 for renewal. Additional fees apply for fire inspections ($122), septic inspections ($106) for properties not on municipal sewer, and occupant load reviews ($158).

Licensed STRAs are subject to occupancy limits of 2 guests per bedroom, up to a maximum of 12 guests total. Sufficient on-site parking must be provided based on the rental occupancy.

The Town maintains an online registry of all licensed STRAs, including contact information for the designated responsible person managing each property. This allows the Town to respond to any complaints or issues that may arise.

Failure to comply with the licensing requirements can result in fines of up to $25,000 for a first offense and $50,000 for subsequent offenses. The Town's Municipal Law Enforcement office handles STRA-related complaints and violations.

While the STRA licensing program has faced some opposition from operators concerned about property rights, the Town believes the regulations strike a balance between supporting tourism and protecting the character of residential areas. By obtaining a license and following the rules, STRA hosts can legally operate in Georgina while being good neighbors.

Required Documents for Georgina Short-Term Rentals

To apply for a short-term rental license in the Town of Georgina, operators must submit the following documents:

1. Completed Short-Term Rental Application Form
2. Proof of applicant's age (18+) and legal status in Canada
3. Proof that the rental property is the applicant's primary residence, demonstrated by at least two of the following in the applicant's name:
   - Motor vehicle registration
   - Driver's license
   - Voter registration
   - Tax documents showing the property as the applicant's residence
4. Certificate of $2 million liability insurance covering the STRA use
5. Floor plans identifying all rooms, common areas, and locations of smoke alarms, CO alarms, and fire extinguishers (minimum 5lb ABC extinguisher required)
6. Site plan showing property dimensions, buildings, parking, and septic system location (if applicable)
7. Proof of septic system inspection and approval, if the property is not on municipal sewer
8. Electrical Safety Authority (ESA) inspection certificate dated within 60 days of STRA application
9. Owner authorization if the applicant is a tenant and not the property owner

The Town also requires STRA operators to apply for a business license. Proof of application for the business license must be included with the STRA permit application.

All required documents and the permit application fee of $250 must be submitted to the Licensing Coordinator by email, mail, or in person. Incomplete applications will not be processed.

Once a complete application is received, the Licensing Coordinator will schedule inspections of the property to ensure compliance with building code, fire safety, and property standards. This includes having interconnected smoke alarms in each bedroom, CO alarms outside sleeping areas, the correct size fire extinguisher, and adequate septic capacity if applicable.

If all requirements are met and there are no grounds for denial, the STRA permit will be issued, valid for one year. The permit contains the operator's name, address, description of the STRA, date of issuance, permit number, occupancy limit, and parking provisions.

Reasons an STRA application may be denied include:

1. False or misleading information on the application
2. Failure to provide required documentation
3. Property not meeting building, fire, health, or safety standards
4. Unpaid fines or penalties related to the property
5. Applicant having a revoked STRA permit in the past year
6. Proposed STRA exceeding density or distance limits from other STRAs

By gathering and submitting all the necessary documents, STRA operators can demonstrate their eligibility and suitability to legally run a short-term rental in Georgina. The Town's licensing process aims to ensure STRAs are operated responsibly to protect the quality of residential neighborhoods and the safety of renters.

Georgina Short-Term Rental Taxes

Short-term rental operators in Georgina are required to collect and remit certain taxes on their rentals. This includes federal and provincial taxes as well as a municipal accommodation tax.

At the federal level, short-term rentals are subject to the Goods and Services Tax (GST) of 5%. This applies to all rentals under 30 nights. The GST must be collected by the operator and remitted to the Canada Revenue Agency.

Provincially, Ontario charges an 8% Provincial Sales Tax (PST) on short-term accommodations. This also applies to rentals under 30 nights and is in addition to the GST. Like the GST, the PST is collected by the rental operator and remitted to the provincial government.

The Town of Georgina implemented a Municipal Accommodation Tax (MAT) in 2019. The MAT is 4% and applies to all short-term rentals operating within the town. This tax is collected by the rental operator and remitted to the town on a quarterly basis.

For example, consider a short-term rental in Georgina that charges $200 per night:

1. Room rate: $200
2. GST (5%): $10
3. PST (8%): $16
4. MAT (4%): $8

Total with taxes: $234 per night

It's important that short-term rental operators in Georgina properly collect and remit these taxes. Failure to do so can result in penalties and legal issues. The taxes should be clearly communicated to guests and added on top of the base rental rate.

Operators can register for the GST/PST and get tax numbers from the federal and provincial governments. For the MAT, operators register with the Town of Georgina and file quarterly returns.

While these taxes do add to the cost for guests, they also help level the playing field with hotels and traditional accommodations which are subject to the same taxes. The MAT also provides revenue for the Town to offset costs associated with the short-term rental industry and fund tourism initiatives.

By understanding and complying with the tax requirements, short-term rental operators in Georgina can run their businesses legally and transparently. Consulting with a tax professional is recommended to ensure full compliance with all tax obligations.

Ontario-Wide Short-Term Rental Rules

In addition to the specific regulations in Georgina, short-term rental operators must also comply with the rules set by the Province of Ontario. These province-wide regulations apply to all short-term rentals operating within Ontario, including those in Georgina.

The main provincial law governing short-term rentals is the Innkeepers Act. This act defines a "hotel" as any place that provides lodging to the public for 30 days or less, which includes short-term rentals. Under the act, STRA operators have certain responsibilities and liabilities as innkeepers.

One key requirement is that STRA operators must maintain a guest register with the names and addresses of all guests. This register must be kept for at least one year and be available for inspection by local authorities.

The Innkeepers Act also outlines the rights and responsibilities of STRA guests. For example, innkeepers can seize and sell a guest's property if they fail to pay for their accommodation. However, innkeepers are also liable for any loss or damage to a guest's property if it was in the innkeeper's custody.

Ontario's Fire Code also applies to short-term rentals. STRA operators must ensure their properties meet all fire safety requirements, including having working smoke alarms, carbon monoxide detectors, and fire extinguishers. Operators must also develop a fire safety plan and provide guests with information on emergency procedures.

The Ontario Building Code sets out standards for the construction and renovation of buildings, including those used for short-term rentals. STRAs must comply with the Building Code's requirements for things like exits, stairs, railings, and ventilation.

In terms of taxation, the Province of Ontario requires STRA operators to collect and remit the 8% Provincial Sales Tax (PST) on rentals under 30 nights. This is in addition to the federal GST and municipal taxes.

Ontario's Residential Tenancies Act (RTA) generally does not apply to short-term rentals, as it excludes living accommodation provided for less than 30 days. However, if a tenant is renting out their unit on a short-term basis without the landlord's permission, the landlord may be able to take action under the RTA.

While navigating the various provincial regulations can be complex, they are in place to ensure short-term rentals are operated safely and fairly. By staying informed and compliant with Ontario's rules, STRA operators in Georgina can avoid legal issues and provide a positive experience for their guests.

It's important to note that municipalities like Georgina can set their own additional regulations for short-term rentals, as long as they don't conflict with provincial laws. So STRA operators need to be aware of both the provincial and local rules that apply to their business.

Does Georgina Strictly Enforce STR Rules?

Based on discussions in real estate investing forums like Bigger Pockets and Reddit, it appears that the Town of Georgina does actively enforce its short-term rental regulations, but perhaps not as strictly as some other municipalities in the Greater Toronto Area. Georgina is generally considered more "Airbnb-friendly" than cities like Oakville or Mississauga, which have taken a harder line against STRAs.

Several Bigger Pockets members who operate short-term rentals in Georgina noted that while the town does require licenses and inspections, the process is relatively straightforward compared to some other jurisdictions. One host commented, "Georgina's STRA rules are reasonable and not overly burdensome. As long as you follow the application steps and keep your property in good shape, you shouldn't have too much trouble getting approved."

On the Georgina subreddit, a few posters mentioned that there are still some unlicensed STRAs operating under the radar, particularly in more rural areas of the town. However, the general consensus was that the risk of getting caught and fined was not worth it. "The town does keep an eye out for illegal Airbnbs," wrote one Redditor. "It's better to just play by the rules and get your license."

The relatively high number of licensed STRAs in Georgina (over 100 as of 2022) suggests that many hosts are willing to comply with the regulations. "Georgina seems to have struck a good balance with their STRA bylaw," opined a Bigger Pockets user. "They're not trying to ban short-term rentals outright, but they do have standards in place to keep things under control."

This sentiment was echoed by others, who felt that Georgina's approach to STRAs was more accommodating than some other towns in the region. "I considered investing in a cottage rental property in Muskoka, but their rules were just too restrictive," shared one Reddit user. "Georgina felt like a much friendlier environment for Airbnb hosts."

So, while Georgina does actively enforce its STRA regulations, it seems to do so in a way that is not overly punitive or discouraging to hosts who make good-faith efforts to comply. The town appears to recognize the value that short-term rentals can bring to the local economy while still putting guardrails in place to protect neighborhoods and ensure a level playing field.

Of course, this is not to say that operating an STRA in Georgina is a free-for-all. Hosts who flout the rules or generate repeated complaints from neighbors can expect to face consequences from the town's bylaw department. However, for responsible operators who follow the licensing process and maintain their properties, Georgina seems to be a relatively welcoming place to run a short-term rental business.

How to Start a Short-Term Rental Business in Georgina

If you're interested in starting a short-term rental (STR) business in Georgina, here are the key steps to follow:

1. Understand the regulations: Familiarize yourself with Georgina's STR licensing requirements, zoning rules, and operational standards. Review the town's bylaws and attend any information sessions offered by the municipal government.
2. Determine if your property is eligible: STRs are only allowed in the operator's primary residence in Georgina. If you own a second home or investment property, it will not qualify for an STR license.
3. Prepare your property: Ensure your home meets all the safety requirements, such as having interconnected smoke alarms, CO detectors, and fire extinguishers. Develop a fire safety plan. Create a floor plan and site plan showing the layout and parking arrangements.
4. Obtain necessary permits and licenses: Apply for a Short-Term Rental Operator License from the Town of Georgina. You'll need to provide proof of ownership or tenancy, government ID, insurance, and other required documents. Budget for the $250 annual licensing fee and any inspection fees.
5. Register for taxes: Obtain a GST/HST number from the Canada Revenue Agency and register for the 8% Provincial Sales Tax (PST) with the Ontario Ministry of Finance. Register with the Town of Georgina for the 4% Municipal Accommodation Tax (MAT).
6. Set up your business: Choose a business structure (sole proprietorship, partnership, corporation) and register your business name. Open a separate bank account for your STR income and expenses. Consult with an accountant or tax professional to set up your bookkeeping and tax remittance processes.
7. Create your listing: Once you have all your permits and licenses in place, create a listing on a platform like Airbnb or VRBO. Take high-quality photos, write a compelling description, and set competitive rates. Be sure to include your Georgina license number in your listing.
8. Manage your bookings: Respond promptly to inquiries and booking requests. Communicate your house rules and expectations clearly to guests. Arrange for cleaning and maintenance between bookings. Consider using a property management service if you need help with day-to-day operations.
9. Comply with regulations: Keep your STR license and insurance up to date. Collect and remit all required taxes (GST, PST, MAT). Follow all of Georgina's rules and regulations, including occupancy limits, parking requirements, and noise bylaws. Address any complaints or issues promptly to avoid fines or penalties.
10. Adapt and improve: Monitor your bookings and revenue closely. Adjust your pricing and marketing strategies as needed to optimize your occupancy and profitability. Stay informed of any changes to Georgina's STR regulations and adapt your business practices accordingly.

Starting a short-term rental business in Georgina requires careful planning and compliance with local regulations. While the process may seem daunting, following these steps can help you launch a successful and legal STR operation. By providing a quality guest experience and being a responsible operator, you can tap into the growing demand for short-term rentals in this popular cottage country destination.

Who to Contact in Georgina about Short-Term Rental Regulations and Zoning?

If you have questions or concerns about short-term rental regulations and zoning in Georgina, there are several key contacts at the Town of Georgina who can assist you:

Licensing Department: This department is responsible for administering Georgina's short-term rental licensing program. You can contact them for information on licensing requirements, application forms, fees, and inspections.

Phone: 905-476-4301 ext. 2351
Email: licensing@georgina.ca

Planning Division: The Planning Division handles zoning and land use matters in Georgina. They can provide guidance on where short-term rentals are permitted and any specific zoning restrictions or requirements.

Phone: 905-476-4301 ext. 2250
Email: planning@georgina.ca

Fire Department: The Georgina Fire Department is involved in ensuring short-term rentals meet fire safety standards. They can provide information on fire code requirements, smoke and CO alarms, fire extinguishers, and fire safety plans.

Phone: 905-476-5167
Email: fire@georgina.ca

Building Division: The Building Division enforces the Ontario Building Code and issues building permits. They can assist with questions about building code requirements for short-term rentals, such as room sizes, exits, and ventilation.

Phone: 905-476-4301 ext. 2228
Email: building@georgina.ca

Tax Department: For questions related to the Municipal Accommodation Tax (MAT) and other tax obligations for short-term rentals, contact the Tax Department.

Phone: 905-476-4301 ext. 2236
Email: tax@georgina.ca

In addition to these municipal contacts, you may also want to consult with professional advisors such as a lawyer, accountant, or realtor who specializes in short-term rentals. They can provide guidance on legal, financial, and practical matters specific to your situation.

The Town of Georgina also maintains a website with information on short-term rental regulations, licensing, and enforcement. Visit www.georgina.ca/municipal-government/departments/short-term-rentals for up-to-date resources and contact information.

If you have a complaint about a short-term rental property in Georgina, you can submit a complaint online through the town's website or by calling the Licensing Department at 905-476-4301 ext. 2351.

Remember that Georgina has specific rules and requirements for short-term rentals, so it's important to do your due diligence and work closely with the town's departments to ensure your STR operates in compliance with all applicable regulations. The contacts listed above are there to help guide you through the process and answer any questions you may have.

What Do Airbnb Hosts in Georgina on Reddit and Bigger Pockets Think about Local Regulations?

On real estate investing forums like Reddit and Bigger Pockets, short-term rental hosts in Georgina have expressed a range of opinions about the town's regulations. Here are a few notable examples:

Reddit user "GeorginaSTRHost" posted in the r/AirbnbHosts subreddit about their experience with the licensing process: "I was a bit nervous about applying for my STR license in Georgina, but the process was actually pretty smooth. The town staff were helpful and the inspections weren't too nitpicky. It's a bit of a hassle, but I feel better knowing I'm operating above board."

In a thread on the Bigger Pockets forum titled "Georgina Short-Term Rental Regulations," user "CottageInvestor" shared their thoughts: "Georgina's STR rules are fairly middle-of-the-road compared to some other cottage country towns. The licensing fees and requirements are reasonable, and they don't seem to be actively trying to discourage STRs. I've had my license for two years now and haven't had any issues with the town."

Reddit user "LakeSimcoeRentals" commented on a post in r/Airbnb about their experience as a host in Georgina: "I've been operating an Airbnb in Georgina for a few years now, and I've found the town to be pretty accommodating. As long as you follow the rules and keep your property in good shape, they mostly leave you alone. The 4% municipal tax is a bit of a drag, but it's the cost of doing business."

On the Bigger Pockets podcast episode "Short-Term Rental Regulations: What You Need to Know," guest "STRLawyer" mentioned Georgina as an example of a town with a balanced approach to STRs: "Georgina has found a good middle ground with their STR bylaw. They're not trying to ban them outright, but they do have some sensible regulations in place around licensing, safety, and neighborhood impact. It's a model that other towns could learn from."

In a post on the r/RealEstateCanada subreddit, user "InvestorJane" asked for advice on starting an STR in Georgina. One commenter, "CanadaSTRGuru," replied: "Georgina is a decent place to operate an Airbnb, as long as you're willing to play by the rules. The licensing process is straightforward and the town is generally supportive of STRs as long as they're not causing problems. Just be prepared for some seasonal fluctuations in bookings."

These examples suggest that many Airbnb hosts in Georgina view the town's short-term rental regulations as reasonable and manageable. While there are some costs and requirements associated with licensing and taxes, most hosts seem to feel that the benefits of operating in Georgina outweigh the regulatory burdens.

Of course, opinions may vary depending on individual circumstances and experiences. Some hosts may find the rules more onerous or restrictive than others. However, the overall sentiment among STR operators on these forums appears to be that Georgina is a relatively friendly and welcoming place to run a short-term rental business, as long as you are willing to comply with the town's regulations.

Disclaimer: While we here at BNBCalc strive to keep all of our city regulation guides updated and accurate with all the latest local laws, we still do not suggest using them as your sole or primary source for local regulations. We also do not recommend you rely on the third-party sources we link to or reference, and we are not responsible for any of the information on these third-party sites. These guides are for entertainment purposes only and only provide basic information and should not be considered as legal advice.

We highly recommend directly contacting the responsible parties for each city and hearing what their officials have to say. Ultimately, it's your responsibility as an investor to ensure you fully comply with the local laws, and it's best to speak with professionals before making an investment decision.