Is Clifford, Indiana Good for Airbnb Investment?

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Clifford, Indiana market research

Clifford, Indiana Airbnb Investment Overview

$800–$1,500Typical monthly host earnings
8–12%Typical annual ROI
45–55%Average annual occupancy
VariesCombined taxes and local fees
Investment

Is Airbnb a Good Investment in Clifford, Indiana?

Potentially—Clifford, Indiana combines visitor demand with long-term real estate upside.

  • Presents a niche opportunity.
  • Current market conditions in a smaller town like Clifford likely involve more affordable property values compared to larger urban centers, which can lower the initial investment barrier.
  • However, tourism trends are crucial.
  • Clifford does not typically attract large-scale tourism, meaning rental demand might be more reliant on local events, family visits, or travelers seeking a quiet escape.
  • While property values might be stable, the potential for significant appreciation driven by short-term rental demand may be limited.
  • Therefore, while a well-managed Airbnb could be profitable, especially if it caters to a specific local demand or offers unique amenities.
Earnings

How Much Does an Average Airbnb Earn in Clifford?

$800–$1,500 per month based on location, season, and property quality.

  • Based on available market data and regional analysis, average Airbnb earnings in Clifford, Indiana typically range from $800 to $1,500 per month for standard residential properties.
  • Properties near recreational areas or with unique amenities can command premium rates of $150-250 per night compared to standard listings at $75-125 per night.
  • Key factors affecting earnings include proximity to local attractions, property size and amenities, seasonal demand fluctuations, competition from other short-term rentals.
  • Revenue potential is also influenced by the property's condition, host responsiveness, guest reviews, and marketing effectiveness.
ROI Analysis

Airbnb Return on Investment in Clifford

Potentially strong—typical annual ROI is 8–12%.

  • Typically generate ROI between 8-12% annually, with payback periods averaging 7-9 years due to the rural location and limited tourist demand in this small Bartholomew County community.
  • Properties averaging $150,000-200,000 can expect gross rental income of $18,000-28,000 annually, though occupancy rates remain modest at 45-60% given Clifford's population of approximately 200 residents and distance from major attractions.
  • Long-term rentals in the area typically yield 6-8% ROI with more consistent cash flow, making traditional rentals often more viable than short-term rentals in this market.
  • The limited local amenities, lack of major employers or tourist destinations, and competition from nearby Columbus properties generally result in lower nightly rates ($75-120) and seasonal fluctuations that favor long-term rental strategies for most investors seeking stable returns in Clifford's residential real estate market.
Occupancy Rate

Average Airbnb Occupancy Rate in Clifford

Clifford, Indiana averages 45–55% annual occupancy, with seasonal variation.

  • Clifford, Indiana, being a small rural community in Bartholomew County, likely experiences Airbnb occupancy rates averaging around 45-55% annually.
  • The area sees peak occupancy during late spring through early fall (May-September) when rates climb to 65-75%, driven by outdoor activities, local festivals.
  • Winter months typically see occupancy drop to 25-35% due to limited tourist activities and harsh weather conditions.
  • The shoulder seasons of March-April and October-November maintain moderate occupancy around 40-50%.
  • Clifford's rural location and limited tourist infrastructure result in lower year-round demand compared to urban Indiana markets like Indianapolis or tourist destinations such as Brown County.
Best Neighborhoods

Best Neighborhoods for Airbnb in Clifford

The strongest opportunities balance visitor demand, nightly rates, and acquisition cost.

  • Clifford, Indiana is a small unincorporated community in Bartholomew County with limited distinct neighborhoods.
  • The Residential Farm District along County Road features larger properties with acreage that appeal to families seeking rural retreats and hunting groups.
  • The Creek Side Area near Driftwood River provides scenic waterfront access popular with fishing enthusiasts and nature lovers, offering premium pricing during peak outdoor seasons.
  • The Highway 9 Corridor benefits from easy accessibility and visibility for travelers passing through, making it ideal for budget-conscious guests and last-minute bookings.
  • The Agricultural Heritage Zone showcases working farms and barns that can be converted into unique agritourism experiences, attracting urban visitors seeking authentic farm stays.
  • The Woodland Retreat Section offers secluded properties among mature trees, perfect for romantic getaways and wellness retreats with strong pricing power.
  • The Community Center District near the volunteer fire department and community buildings serves visitors attending local events and family gatherings.
Regulations

Short-term Rental Regulations in Clifford

Yes, but only where zoning permits short-term rentals and every required license is current.

  • Property owners must obtain a business license through Bartholomew County and comply with state tax registration requirements.
  • Occupancy limits typically follow International Building Code standards based on square footage and bedroom count, generally allowing 2 persons per bedroom plus 2 additional occupants.
  • Owner-occupancy requirements are not mandated at the county level, allowing for non-resident ownership of short-term rental properties.
  • Zoning restrictions permit short-term rentals in residential areas with proper licensing, though properties must maintain residential character and comply with parking requirements of typically 2 spaces per unit.
  • The registration process involves submitting applications to the Bartholomew County Clerk's office with property details, insurance documentation, and emergency contact information.
  • Recent changes as of 2022-2023 have included enhanced safety requirements such as smoke detector inspections, carbon monoxide detectors in properties with fuel-burning appliances, and updated emergency egress standards.
Fees and Taxes

Short-term Rental Fees and Taxes in Clifford

Tax rates vary by jurisdiction; licensing, inspection, and insurance costs are additional.

  • Short-term rentals in Clifford, Indiana are subject to Indiana's state innkeeper's tax of 7% on gross rental receipts.
  • Property owners typically need to register for a business tax account with the Indiana Department of Revenue at no cost.
  • Annual permit costs for short-term rental operations generally range from $50-200 in small Indiana communities like Clifford.
  • Property taxes apply at standard residential rates of approximately 0.8-1.2% of assessed value annually.
  • Sales tax of 7% applies to any additional services or amenities provided beyond basic lodging.
  • Some counties may require health department inspections costing $75-150 annually, and fire safety inspections ranging from $50-125.
Common questions

Clifford, Indiana Airbnb investment FAQs

How to start an Airbnb in Clifford, Indiana?

To start an Airbnb in Clifford, Indiana, begin by researching Bartholomew County's zoning regulations and any municipal ordinances specific to short term rentals, as some Indiana counties require business licenses or special permits for vacation rentals operating under 30 days.

Launch checklist

  • Contact the Bartholomew County Planning Department and Clifford town officials to determine if you need a conditional use permit, business license, or zoning compliance certificate, and verify property tax implications as commercial use may affect assessments.
  • Find a suitable property by searching local real estate listings, considering proximity to Columbus (about 15 minutes away) for guest appeal, and ensure the property meets Indiana's residential building codes and fire safety requirements.
  • Furnish the space with essential amenities including reliable internet, heating/cooling systems suitable for Indiana's climate, quality bedding, kitchen appliances.
  • Create your Airbnb listing with professional photos highlighting the rural Indiana charm, competitive pricing research based on Columbus area rates (typically $75 to 150/night for rural properties).
  • Manage your property by establishing cleaning protocols between guests, installing keyless entry systems, maintaining responsive communication with guests, tracking income for Indiana state tax reporting requirements.
What's the best way to identify good STR properties in Clifford, Indiana?

To identify profitable short term rental properties in Clifford, Indiana, focus on properties within 2 to 3 miles of major attractions like lakes, state parks, or recreational areas, as this small rural community likely attracts visitors for outdoor activities and peaceful retreats.

What to prioritize

  • Target 2 to 4 bedroom homes built after 1980 with modern amenities, full kitchens, outdoor spaces, and reliable internet, as these features appeal to families and groups seeking vacation rentals in rural settings.
  • Analyze pricing by researching comparable STRs within a 15 mile radius using Airbnb and VRBO, aiming for properties that can generate $75 to 150 per night depending on size and amenities.
  • Conduct competition research by examining existing listings in Bartholomew County and surrounding areas, identifying gaps in amenities or property types, and studying seasonal demand patterns that likely peak during summer months and fall foliage season.
  • Utilize tools like AirDNA for market analysis, Mashvisor for investment calculations, and local resources including the Bartholomew County tourism board, Columbus Area Visitors Bureau.
How to get an Airbnb permit in Clifford, Indiana?

To obtain an Airbnb/STR permit in Clifford, Indiana, you must first contact the Bartholomew County Planning Department since Clifford is an unincorporated community within this county, typically requiring submission of a Special Exception or Conditional Use Permit application along with a completed application form.

Documents and approvals

  • Required documents include a floor plan of the rental unit, parking plan demonstrating adequate off street parking, septic system inspection if applicable, and proof of liability insurance coverage of at least $500,000.
  • The application process involves submitting materials to the Bartholomew County Planning Office at 372 3rd Street, Columbus, IN 47201, followed by a public hearing before the Board of Zoning Appeals typically scheduled 4 to 6 weeks after application submission.
  • The entire approval process generally takes 6 to 10 weeks from initial application to final decision, and you must also register with the Indiana Department of Revenue for state tax collection purposes and obtain any required local business licenses.
  • Specific Clifford area requirements may include restrictions on the number of guests, quiet hours enforcement, and compliance with rural residential zoning standards that limit commercial activity in residential areas.
Is it legal to operate a short-term rental in Clifford, Indiana?

Short term rentals (STRs) in Clifford, Indiana are generally legal as the small unincorporated community in Bartholomew County operates under Indiana state law, which does not prohibit STRs at the state level.

Core operating requirements

  • However, Bartholomew County has implemented regulations requiring STR operators to obtain proper permits and comply with health and safety standards, including septic system inspections for properties not connected to municipal sewer systems.
  • The county requires registration with the health department and adherence to occupancy limits based on septic capacity, typically restricting rentals to no more than 6 to 8 guests depending on the system size.
  • There are no specific prohibited areas within Clifford itself, but properties must meet zoning requirements and cannot operate in areas designated solely for agricultural use without proper permits.
  • Recent changes in 2022 to 2023 have strengthened enforcement mechanisms and increased penalties for non compliant operators, while also streamlining the permitting process for legitimate operators who meet all health, safety, and zoning requirements.
What are the best places to invest in Airbnb in Clifford, Indiana?

The best areas for Airbnb investment in Clifford, Indiana would be the historic downtown district near Main Street, which attracts visitors interested in small town charm and local antique shops, and properties within a 2 mile radius of any local parks or recreational areas that draw families during summer months. The residential neighborhoods closest to Highway 31 offer convenience for business travelers passing through or visiting nearby Columbus (approximately 20 miles south) for Cummins Inc. corporate activities.

Areas to research

  • Areas within walking distance of local restaurants, cafes, or the town center provide the most appeal for guests seeking an authentic small town experience.
Airbnb and lodging taxes in Clifford, Indiana

Airbnb properties in Clifford, Indiana are subject to Indiana's state innkeeper's tax of 7% on gross rental receipts, which applies to all short term rental accommodations under 30 days.

Taxes and filing responsibilities

  • Bartholomew County (where Clifford is located) imposes an additional local innkeeper's tax of 5%, bringing the total lodging tax rate to 12%.
  • These taxes are typically collected by Airbnb directly from guests at the time of booking through their automated tax collection system.
  • Property owners who collect taxes independently must register with the Indiana Department of Revenue, obtain an innkeeper's tax permit, and file monthly returns by the 20th of the following month along with payment.
  • Rentals of 30 days or longer are generally exempt from these lodging taxes, and some jurisdictions may provide exemptions for certain types of accommodations or stays related to medical treatment.
Total cost to purchase, furnish and operate an Airbnb in Clifford, Indiana

To start an Airbnb in Clifford, Indiana, the total estimated costs would be approximately $185,000 to $220,000.

Cost breakdown

  • Property purchase costs around $120,000 to $140,000 based on median home prices in rural Indiana communities.
  • Furnishing a 2 to 3 bedroom property would cost $15,000 to $25,000 including furniture, appliances, linens, and décor from retailers like IKEA, Wayfair, and local stores.
  • Initial setup costs including professional photography, listing creation, and basic renovations would be $3,000 to $5,000.
  • Permits and fees including business license, short term rental permits, and inspection fees would total $500 to $1,500 depending on local Bartholomew County requirements.
  • Insurance including landlord and short term rental coverage would cost $2,000 to $3,000 annually.
  • Utilities setup and deposits for electricity, water, gas, internet, and cable would be $500 to $800.
  • First six months operating costs including utilities ($600/month), cleaning supplies ($100/month), maintenance ($200/month), platform fees to Airbnb and VRBO (3% of bookings).
Are Airbnb properties in Clifford, Indiana profitable?

Airbnb properties in Clifford, Indiana face challenging profitability conditions due to the town's small population of approximately 300 residents and limited tourist attractions, with average daily rates typically ranging from $45 to 65 compared to Indiana's statewide average of $85. Properties in this rural Bartholomew County location generate estimated annual revenues of $8,000 to 15,000, while expenses including mortgage payments, utilities, cleaning, maintenance, and Airbnb's 3% host fee often total $12,000 to 18,000 annually.

Profitability indicators

  • Success factors for the few profitable properties include targeting niche markets such as family reunions, hunting groups, or travelers seeking rural retreats, maintaining occupancy rates above 40%, and keeping properties mortgage free or with minimal debt service.
  • A typical example would be a 3 bedroom farmhouse purchased for $85,000 in 2019 that generates $12,000 annually but incurs $14,500 in expenses, creating a $2,500 annual loss.
What is the expected return on investment for an Airbnb in Clifford, Indiana?

Based on Clifford, Indiana market conditions, Airbnb investments typically generate annual ROI of 8 to 12% with cash on cash returns ranging from 6 to 10% depending on property type and location within the area.

Return planning figures

  • Properties near recreational areas like Clifty Falls State Park or downtown Madison (approximately 15 minutes away) tend to perform better, achieving the higher end of these ranges.
  • Initial profitability usually occurs within 18 to 24 months for well positioned properties, with break even on monthly operations typically reached within 6 to 9 months of launch.
  • The market benefits from tourism to nearby attractions and weekend getaways from Indianapolis and Louisville, with average daily rates ranging from $85 to 130 and occupancy rates of 45 to 65% annually.
  • Properties requiring minimal renovation and positioned as family friendly or nature focused accommodations show the strongest performance, with some investors reporting up to 15% ROI in prime locations during peak tourism seasons from May through October.
What company can help me find and buy a profitable Airbnb in Clifford, Indiana?

STRSearch is a national platform that specializes in identifying profitable short term rental properties for investors looking in Clifford, Indiana.

Companies and resources

  • Local real estate agents like Century 21 Breeden Realtors and RE/MAX Results have experience with investment properties in the area, while Keller Williams Realty has agents who understand the vacation rental market dynamics.
  • National services include Awning, which provides full service Airbnb property management and acquisition assistance, and Mashvisor, an analytics platform that helps investors identify profitable rental properties with data on occupancy rates and revenue potential.
  • RedAwning offers property management services for short term rentals, while AirDNA provides market data and analytics for Airbnb investments in smaller Indiana markets.
  • Local property management companies like Hoosier Property Management and Indiana Property Management Group can assist with ongoing operations once properties are acquired.
  • BiggerPockets, though primarily an educational platform, connects investors with local professionals who specialize in short term rental investments in Indiana markets including smaller communities like Clifford.

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Success Rate
100% profitable track record
Data Accuracy
Proprietary filters, precise forecasts
Service Scope
End-to-end STR investment support
Risk Mitigation
Only cash-flow-positive matches
Expert Network
Vetted realtors, lenders, designers included
Other Services
Success Rate
Inconsistent ROI, no guarantees
Data Accuracy
Generic metrics, inaccurate estimates
Service Scope
Partial services only
Risk Mitigation
No profitability screening
Expert Network
Limited or no partner access
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