Denver, CO Short-Term Rental License Guide (2026)

Analic Mata-Murray
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Managing Editor · Communications & Journalism degree, PR and media specialist with 11 years of experience making complex information clear

Denver short-term rental license guide

Last updated: October 19, 2026

Running an Airbnb, Vrbo, or other short-term rental in Denver is not the same as renting out an ordinary investment property. Denver has a specific short-term rental license, and the biggest rule is easy to miss: the home generally must be the host’s primary residence.

This guide explains the Denver-specific path for stays of fewer than 30 days, including the city license, primary-residence proof, zoning and accessory dwelling unit rules, taxes, insurance, safety items, advertising rules, renewals, and what happens if the property is not your primary residence.

Bottom line

If you want to operate a normal short-term rental in Denver, start with one question: Is this dwelling truly your primary residence? Denver requires a short-term rental license for the city’s STR category and defines an STR as a residential dwelling offered for stays of one to 29 days. The city can look beyond the address on one document and consider where you actually live and usually return.

If you qualify, the next steps are to set up the Denver tax account, gather primary-residence documents, meet the insurance and safety requirements, name a local responsible party, and apply through Denver’s licensing portal. If the property is not your primary residence, do not try to force it through the STR application. Denver points non-primary-residence operators toward a different lodging-facility and zoning path, which is much more limited and can involve building-code work.

Quick start: do these checks in this order

  1. Confirm the property is in the City and County of Denver. A “Denver” mailing address does not replace a jurisdiction check. Use Denver’s official property and zoning tools for the exact address.
  2. Decide whether the dwelling is really your primary residence. Denver says a person can have only one primary residence, and it must be the place where the person’s habitation is fixed and the usual place of return.
  3. Check the dwelling type and zoning situation. A normal primary dwelling, duplex unit, and accessory dwelling unit can follow different fact patterns. Do this before assuming a listing is eligible.
  4. Set up the Denver tax account. Denver requires a lodger’s tax account for STR applicants and says required filings still have to be made even when a platform collects lodger’s tax.
  5. Prepare the license package. Gather Colorado ID, primary-residence evidence, landlord permission if you rent, insurance, safety equipment, local responsible-party information, and the required renter brochure.
  6. Apply online and wait for approval before operating. Denver says the license holder can begin operating after approval and license issuance. Do not treat a submitted application as permission to start.

Denver short-term rental decision table

DecisionGovernment layerAction
Is this a Denver STR?DenverStays of one to 29 days use the city STR framework. Start with Denver’s STR page.
Does the home qualify?Denver licensingThe normal STR license requires the applicant’s primary residence.
What license applies?Denver Licensing and Consumer ProtectionUse the current new-application instructions.
Is the property setup allowed?Denver zoningFind the property’s zoning and check dwelling/ADU rules.
What local tax account applies?Denver TreasuryUse Denver’s business-tax guidance.
What state tax layer remains?Colorado Department of RevenueRead Colorado’s 2026 lodging-tax guidance.

Denver is a consolidated city and county, so the ordinary Denver STR path does not add a separate county business-license application. State tax rules can still apply.

The primary-residence rule is the real gatekeeper

Denver’s primary-residence rule makes this page different from a generic Airbnb guide. You cannot normally buy a second home or investment condo in Denver, live somewhere else, and obtain the standard STR license for that property.

Primary residence means the place where your habitation is fixed for the license term and your usual place of return. Denver can consider where you vote, addresses on legal and tax records, motor-vehicle registration, work and income ties, other leaseholds, how often you return, and how much the property is rented.

A mailing address alone is not enough

Denver says claiming an address as a primary residence for another government purpose does not automatically prove STR eligibility. If the home is booked so often that you do not usually return there to live, the city can question whether it remains your primary residence.

New applicants need a valid Colorado driver’s license or Colorado ID plus at least two additional forms of residence evidence from Denver’s list, such as vehicle registration, voter registration, current tax returns, financial records, or a recent utility bill. The city can request more proof.

A long-term renter can apply at a genuine primary residence, but Denver requires owner permission and a signed possession-of-property certificate. A lease or HOA can still prohibit STRs even when city licensing would otherwise allow one.

The Denver short-term rental license

The Denver Department of Licensing and Consumer Protection handles the STR business license. The city’s current new-application page lists a $50 application fee and a $100 license fee. The license is annual, and Denver requires renewal before expiration.

The application is filed through Denver’s Online Permitting and Licensing Center. The city’s instructions say to choose the business/occupational area for short-term and residential rental licensing and then start a new application. Denver may conduct additional review, request more records, or require an inspection if there is a question about the dwelling or application.

What to have ready before applying

  • Colorado driver’s license or Colorado identification card.
  • At least two additional primary-residence documents from Denver’s accepted list.
  • Landlord permission and the city’s possession-of-property certificate if you are not the property owner.
  • At least $1 million in liability insurance covering STR use, or booking-platform coverage that meets Denver’s requirement.
  • Smoke detectors, carbon-monoxide detectors, and a fire extinguisher at the property.
  • A local responsible party/general manager who can address problems if you are unavailable.
  • The renter brochure required by Denver’s STR ordinance.
  • A Denver lodger’s-tax account.

Denver’s main STR page currently warns that application review can take time. Do not build a launch date around the best-case processing time. The practical rule is simpler: submit a complete application and wait for the city to issue the license before you start operating.

For broader Denver licensing context, see BLG’s Denver, CO Business License Guide. If you are deciding whether an LLC, DBA, or license solves a particular compliance problem, see Business License vs LLC vs DBA vs Seller’s Permit. An entity filing does not replace Denver’s STR license or its primary-residence rule.

Zoning, duplexes, and accessory dwelling units

Denver treats an STR as an accessory use connected to a primary residential use. The city FAQ says STRs are allowed as an accessory use where residential uses are allowed, including residential and mixed-use commercial districts, but the dwelling setup matters.

The zoning code says the STR must be operated by the person maintaining the primary dwelling unit as a primary residence, or in an ADU on the same zone lot as that primary residence. For this provision, “person or persons” does not include a corporation, partnership, firm, association, joint venture, or similar legal entity. An LLC therefore does not bypass the host-residency requirement.

Duplexes and ADUs

Each duplex unit is a separate primary dwelling. Living in one unit does not qualify the adjacent unit for your STR license. An ADU can be the STR when the qualifying host lives in the primary structure on the same property. A person whose primary residence is the ADU cannot use that status to short-term-rent the primary structure.

One party at a time

You may rent a bedroom, several bedrooms, or the entire home, but not to separate parties under overlapping contracts. Denver does not set a zoning maximum number of guests per night for the STR use, but the property must remain residential in character and cannot become a commercial event venue.

Use Denver’s official zoning map. If the property has an unusual use history, an unpermitted dwelling, or a proposed change in use, resolve that issue before assuming the STR license will be approved.

Rules that continue after the license is issued

Getting the license is not the end of the compliance path. Denver places operating duties on the host throughout the license term.

License number in ads

Denver says it is unlawful to advertise an STR without displaying the business file or license number. On Airbnb, the city directs hosts to use the registration/license-number field.

Insurance

Maintain at least $1 million in liability coverage for STR use, either through your own policy or qualifying platform coverage. Tell your insurer that you intend to use the home as an STR.

Local responsible party

You do not have to be physically present for every guest stay, but Denver requires local responsible-party/general-manager information so problems can be addressed when you are away.

Primary residence must remain real

Approval does not freeze your eligibility forever. If you move away or the property stops being your usual place of return, you can lose the basis for the license.

Denver also requires the license itself, or a clear image of it, to be displayed. Contact and manager information must be kept current through the city’s amendment process. The city can investigate complaints and may deny, sanction, suspend, or revoke a license when requirements are not met.

Denver and Colorado tax layers

Colorado’s January 2026 Legislative Council issue brief says there is no statewide STR regulatory program. That means there is no separate Colorado STR license that replaces Denver’s local license. State tax rules still apply alongside Denver’s home-rule tax system.

Denver lodger’s tax

Denver’s current tax page lists a 10.75% Denver lodging rate and says lodger’s tax applies to paid lodging of fewer than 30 days. The STR application instructions tell applicants to register for a lodger’s-tax account. Denver also says required local filings remain due even when Airbnb collects lodger’s tax. Use the city’s Business Taxes page and eBiz Tax Center.

Occupational privilege tax

Denver’s STR FAQ describes a $48-per-year occupational privilege tax for STR licensees. The broader Treasury page lists the employer/business portion as $4 per month and has separate employee rules. If you hire workers, use the broader employer guidance rather than assuming the host-only figure covers payroll duties.

Colorado lodging sales tax

Colorado’s Department of Revenue revised its Rooms and Accommodations guidance in February 2026. It says taxable room and accommodation providers generally need a state sales-tax license, subject to marketplace rules and exemptions. Marketplace facilitators can change who collects and remits state-administered taxes, but Colorado does not administer Denver’s municipal lodging tax.

For broader state setup, see BLG’s Colorado Business License Guide.

What if the property is not your primary residence?

This is where many would-be Denver hosts take the wrong path. Denver says a property that is not your primary residence is not eligible for the normal short-term rental license.

The city’s FAQ says a person seeking short-term lodging use at a non-primary-residence property would need to look at Denver’s lodging-facility license and determine whether the property qualifies. That is not a simple substitute for the STR license. Lodging accommodations are restricted by zoning, and a change from residential use to lodging can require a zoning permit. A change in building occupancy can also trigger construction-related requirements such as fire-protection, exiting, or accessibility work.

In other words, buying an investment condo and calling it an Airbnb does not create a Denver licensing shortcut. Check the zoning and lodging-facility path before buying, signing a lease, furnishing the property, or promising investors that short-term rentals will be allowed.

Real-world Denver examples

You live in your Denver condo and rent it while traveling

This can fit the STR model if the condo is genuinely your primary residence and you meet city licensing, tax, insurance, safety, advertising, HOA, and lease requirements. You do not have to be present during every stay.

You own a Denver condo but live full-time elsewhere

This does not fit the standard STR license. The next question is whether a lodging-facility use is allowed at the address, not how to manufacture primary-residence proof.

You live in the main house and want to Airbnb the ADU

This can fit Denver’s rule when the host’s primary residence is the primary structure on the same zone lot and the ADU is legal. Living in the ADU does not qualify the primary structure for your STR license.

Common mistakes that can cost time or money

  • Buying first and checking eligibility later. Primary residence is central to Denver’s STR license. An investment property can fall into a completely different zoning and lodging-license path.
  • Thinking an LLC solves the residency rule. Entity formation and STR licensing are separate. Denver’s zoning rule focuses on the person maintaining the primary residence and specifically excludes legal entities from the “person or persons” language in that STR provision.
  • Assuming Airbnb handles every tax duty. Denver tells licensees to file required Denver returns even when Airbnb collects lodger’s tax.
  • Listing before the license is issued. Denver requires the license number in advertisements and treats advertising a bookable STR as regulated activity.
  • Ignoring HOA, landlord, mortgage, or insurance restrictions. City approval does not override private contracts or coverage exclusions.
  • Using an ADU rule backwards. Living in the ADU does not let you short-term-rent the primary structure under Denver’s STR accessory-use rule.
  • Running separate simultaneous room bookings. Denver allows only one party under one rental contract at a time for the ordinary STR use.
  • Letting the license expire. STR licenses are annual. Keep the renewal and tax-account calendars separate so one does not get missed.

Denver STR compliance checklist

  • Confirm the exact address is in Denver and review the official zoning map.
  • Confirm the dwelling is your real primary residence under Denver’s test.
  • Check HOA, lease, landlord, deed, mortgage, and insurance restrictions.
  • If you are a renter, obtain the required owner permission documentation.
  • Gather Colorado ID and at least two additional primary-residence documents.
  • Set up the Denver lodger’s-tax account and understand your filing schedule.
  • Check Colorado state sales-tax obligations and marketplace treatment.
  • Verify at least $1 million in STR liability coverage.
  • Install the required smoke detectors, carbon-monoxide detectors, and fire extinguisher.
  • Name a local responsible party/general manager.
  • Prepare Denver’s required renter brochure.
  • Apply for the Denver STR license and wait for approval.
  • Put the city license/business file number in every STR advertisement.
  • Use only one rental contract/party at a time.
  • Renew the license annually and keep required tax filings current.

What to ask Denver if your situation is unusual

Licensing question

“I want to operate a short-term rental at [address]. I live there as my primary residence, and the dwelling is [condo / duplex unit / main house / ADU]. Which Denver license path applies, and should I expect any additional document or specialist review?”

Zoning question

“Can you confirm the legal dwelling setup at [address] and whether this STR arrangement fits the zoning rules? If not, what zoning or change-of-use path applies?”

Use Denver’s STR contact route or 311 for licensing questions and Denver Treasury for tax-account questions.

What if the application does not work?

Match the problem to the right office instead of repeatedly resubmitting the same theory.

  • Residency: use Denver’s primary-residence criteria and complete records.
  • Dwelling or zoning: confirm the legal dwelling type and zone district with Community Planning and Development.
  • Tax account: use Denver Treasury and eBiz.
  • Non-primary property: research lodging-facility licensing and change-of-use requirements before assuming short-term lodging is possible.

Official resources

About BusinessLicenseGuide.com

BusinessLicenseGuide.com is an independent informational website. We explain licensing and permit systems in plain English and link readers to official government sources. We are not the City and County of Denver, the State of Colorado, a law firm, or a filing service.

What to do next

Start with Denver’s primary-residence test and the exact property address. If both are a clean fit, gather the documents and tax information before opening the license application. If either is uncertain, resolve that issue first. That order can save you from paying fees or building a listing around a property that does not qualify.

Continue your license search

Start with the closest next-step guides, then explore other BLG location and licensing resources.

FAQ

Can I Airbnb a Denver property that is not my primary residence?

No, not under Denver’s normal short-term rental license. Denver says the STR property must be the applicant’s primary residence. A non-primary-residence property would need to be evaluated under the separate lodging-facility and zoning path, if that use is allowed at the address.

How much does a Denver short-term rental license cost?

Denver’s current new-application page lists a $50 application fee and a $100 license fee. The STR license is annual. Tax-account charges, taxes, insurance, or other property-specific costs are separate from those license fees.

Can a renter get a Denver short-term rental license?

Yes. A long-term renter can apply at the renter’s genuine primary residence, but Denver requires permission from the property owner and a signed possession-of-property certificate. Lease, landlord, and HOA restrictions can still prohibit the activity.

Can I use a Denver accessory dwelling unit as a short-term rental?

Yes, in the qualifying setup described by Denver: the host can operate an STR in an ADU when the host maintains the primary structure on the same zone lot as the primary residence. A person living in the ADU cannot use that residence to short-term-rent the primary structure.

If Airbnb collects Denver lodger’s tax, can I skip Denver tax filings?

No. Denver’s STR application instructions say that even if you only use Airbnb and lodger’s taxes are collected, you must still submit required Denver filings on time and keep the applicable tax account current.

Can I rent separate bedrooms to separate guests at the same time?

No. Denver allows an STR to include one bedroom, multiple bedrooms, or the whole home, but it does not allow simultaneous rental to more than one party under separate contracts. Multiple rooms must be rented together to one party or without overlapping separate bookings.

Update note

Last updated: October 19, 2026
Next review: January 17, 2027

This new Denver-specific guide was researched against current city licensing, zoning, tax, lodging-facility, and application sources, plus Colorado lodging-tax guidance. The core Denver STR license framework remains centered on primary-residence eligibility, annual local licensing, one-party-at-a-time operation, insurance and safety duties, and Denver tax filings. Colorado’s Rooms and Accommodations tax guidance was revised in February 2026; Denver remains a self-administering home-rule tax jurisdiction.

Disclaimer

This guide is for general information only. Short-term rental, tax, zoning, building, insurance, platform, HOA, lease, and licensing rules can change and can depend on the exact property and operating facts. Confirm current requirements with the official agency before you advertise, accept reservations, pay fees, buy property, sign a lease, or begin operating.

Analic Mata-Murray, Managing Editor at businesslicenseguide.com
About the author
Analic Mata-Murray
Managing Editor, businesslicenseguide.com
🎓 BA Communications & Journalism 📋 11+ years in benefits navigation 🌎 Bilingual English / Spanish 🤝 Salvation Army volunteer translator

Analic Mata-Murray holds a Communications degree with a focus in Journalism and Advertising from Universidad Católica Andrés Bello. For over 11 years, she volunteered as a translator for The Salvation Army — sitting across the table from Spanish-speaking families trying to access government programs, emergency housing, and poverty relief when they needed it most.

What she learned in that work shapes everything on this site: most people who don't get help don't miss out because they don't qualify. They miss out because nobody bothered to explain the system in plain English.

As Managing Editor of Business License Guide, Analic oversees every guide published here. Her job is simple — If a guide is vague, jargon-heavy, or out of date, it doesn't go live.