Short-Term Rental Regulations
in Carmel, IN

The City of Carmel regulates short-term residential rentals (less than 30 days) and requires approval to operate under city ordinance (Ordinance Z-629-17); non-dwelling short-term rentals are addressed by Ordinance Z-690-24. For residential rental properties let for 30 days or longer, the City requires registration with a 10% cap per subdivision (condominiums excluded) and a legacy-dwelling exemption for properties registered by Jan 31, 2026. Annual renewal is required and HOAs must provide documentation if applicable.

Yes, a permit is required to operate a short-term rental in Carmel. 1) For residential rentals 30+ days: submit the online rental registration via the City’s portal, pay the $5 per-property registration fee, and provide required documentation (e.g., HOA letter); renew annually. 2) Legacy dwellings: submit a complete rental permit application by Jan 31, 2026 to be exempt from the 10% cap. 3) For short-term residential rentals (<30 days): approval is required under Ordinance Z-629-17 (specific application steps for this ordinance are not detailed on the main registration page).

1) For residential rentals 30+ days: submit the online rental registration via the City’s portal, pay the $5 per-property registration fee, and provide required documentation (e.g., HOA letter); renew annually. 2) Legacy dwellings: submit a complete rental permit application by Jan 31, 2026 to be exempt from the 10% cap. 3) For short-term residential rentals (<30 days): approval is required under Ordinance Z-629-17 (specific application steps for this ordinance are not detailed on the main registration page).