Financing an Erie Rental Without a Havre de Grace Mash

Jacob Mishalanie
15 hours ago
10 min read

Cedar-shake lodging cottage exterior, Erie

Most Erie listings get marketed as a generic Lake Erie stay. That pitch could describe a dozen other towns, and it wastes what actually sets City of Erie, Erie County, Pennsylvania apart. Guests who typed Erie are looking for Presque Isle State Park, Presque Isle Lighthouse, Erie Maritime Museum, Tom Ridge Environmental Center — not Deltaville, and not Havre de Grace. 239 active listings sit on this extract. Write the town you can actually walk. Keep the listing specific. A vague water caption loses the booking.

Typical listings here earned about $16,408 last year from 239 active rentals, AirROI trailing twelve months through July 2026. The average night was $169. Occupancy was 37.8 percent. Revenue per available night was $66. Year over year is minus 21.3 percent. Active supply moved 39.8 percent. Do not average in Deltaville at $26,263 on 44 listings. That is a different town. Leave Havre de Grace as a different market. Do not mix those towns. Treat this as a small sample, not a blended coast.

The three strongest months are August, June, and July. August is the busiest. February is the slowest. Most guests arrive from Pittsburgh, then Erie. Typical stay is 5.2 nights, booked about 52 days ahead. Call Zoning at 814-870-1265. City STR zoning plus annual rental registration. $80 if paid on or before May 15. Code Enforcement 814-870-1473. Millcreek is another municipality. AirROI Low is a scrape Jennifer holds still show up in this sample. Confirm the live desk before you advertise.

DSCR on Erie Sixteen Thousand

That heading is the useful way to read Erie, not a dashboard label. Guests come for Presque Isle State Park. Say that in the listing. Do not bury it under a generic Lake Erie caption. Do not write Deltaville copy onto a Erie address. Do not use Havre de Grace as if it were this occupancy. Be specific about the walk. A vague caption loses the guest who typed this town. Keep the other town out of the title.

Read more in Who Books an Erie Rental and Buying an Erie Rental. Typical listings earned about $16,408 last year from 239 active rentals, at $169 a night and 37.8 percent occupancy. August is the busiest month. February is the slowest. Most guests arrive from Pittsburgh. Call Zoning at 814-870-1265. City STR zoning plus annual rental registration. $80 if paid on or before May 15. Code Enforcement 814-870-1473. Millcreek is another municipality. AirROI Low is a scrape

Year over year is minus 21.3 percent. Supply moved 39.8 percent. Keep Havre de Grace ($18,791 a year) on its own line. A 23.8-percent share of listings uses a 30-night minimum. That is a stay rule, not occupancy. Photograph Presque Isle State Park. Confirm the parcel before you advertise. Sales tax can still apply under 30 days. Call the desk. Do not underwrite another town's year.

Do Not Mint a Havre de Grace Year for the Note

That heading is the useful way to read Erie, not a dashboard label. Guests come for Presque Isle Lighthouse. Say that in the listing. Do not bury it under a generic Lake Erie caption. Do not write Deltaville copy onto a Erie address. Do not use Havre de Grace as if it were this occupancy. Be specific about the walk. A vague caption loses the guest who typed this town. Keep the other town out of the title.

Read more in Buying an Erie Rental and Erie Tourism Data. Typical listings earned about $16,408 last year from 239 active rentals, at $169 a night and 37.8 percent occupancy. August is the busiest month. February is the slowest. Most guests arrive from Pittsburgh. Call Zoning at 814-870-1265. City STR zoning plus annual rental registration. $80 if paid on or before May 15. Code Enforcement 814-870-1473. Millcreek is another municipality. AirROI Low is a scrape

Year over year is minus 21.3 percent. Supply moved 39.8 percent. Keep Havre de Grace ($18,791 a year) on its own line. A 23.8-percent share of listings uses a 30-night minimum. That is a stay rule, not occupancy. Photograph Presque Isle Lighthouse. Confirm the parcel before you advertise. Sales tax can still apply under 30 days. Call the desk. Do not underwrite another town's year.

City Desks Travel With the Deed

That heading is the useful way to read Erie, not a dashboard label. Guests come for Erie Maritime Museum. Say that in the listing. Do not bury it under a generic Lake Erie caption. Do not write Deltaville copy onto a Erie address. Do not use Havre de Grace as if it were this occupancy. Be specific about the walk. A vague caption loses the guest who typed this town. Keep the other town out of the title.

Read more in Erie Tourism Data and Complete Visitor's Guide to Erie, Pennsylvania Stay. Typical listings earned about $16,408 last year from 239 active rentals, at $169 a night and 37.8 percent occupancy. August is the busiest month. February is the slowest. Most guests arrive from Pittsburgh. Call Zoning at 814-870-1265. City STR zoning plus annual rental registration. $80 if paid on or before May 15. Code Enforcement 814-870-1473. Millcreek is another municipality. AirROI Low is a scrape

Year over year is minus 21.3 percent. Supply moved 39.8 percent. Keep Havre de Grace ($18,791 a year) on its own line. A 23.8-percent share of listings uses a 30-night minimum. That is a stay rule, not occupancy. Photograph Erie Maritime Museum. Confirm the parcel before you advertise. Sales tax can still apply under 30 days. Call the desk. Do not underwrite another town's year.

239 Cards Is Part of the File

That heading is the useful way to read Erie, not a dashboard label. Guests come for Tom Ridge Environmental Center. Say that in the listing. Do not bury it under a generic Lake Erie caption. Do not write Deltaville copy onto a Erie address. Do not use Havre de Grace as if it were this occupancy. Be specific about the walk. A vague caption loses the guest who typed this town. Keep the other town out of the title.

Read more in Complete Visitor's Guide to Erie, Pennsylvania Stay and Erie STR Report 2026. Typical listings earned about $16,408 last year from 239 active rentals, at $169 a night and 37.8 percent occupancy. August is the busiest month. February is the slowest. Most guests arrive from Pittsburgh. Call Zoning at 814-870-1265. City STR zoning plus annual rental registration. $80 if paid on or before May 15. Code Enforcement 814-870-1473. Millcreek is another municipality. AirROI Low is a scrape

Year over year is minus 21.3 percent. Supply moved 39.8 percent. Keep Havre de Grace ($18,791 a year) on its own line. A 23.8-percent share of listings uses a 30-night minimum. That is a stay rule, not occupancy. Photograph Tom Ridge Environmental Center. Confirm the parcel before you advertise. Sales tax can still apply under 30 days. Call the desk. Do not underwrite another town's year.

Visitor Spend Is Not Debt Service

Read more in Erie STR Report 2026 and Market an Erie Stay. Typical listings earned about $16,408 last year from 239 active rentals, at $169 a night and 37.8 percent occupancy. August is the busiest month. February is the slowest. Most guests arrive from Pittsburgh. Call Zoning at 814-870-1265. City STR zoning plus annual rental registration. $80 if paid on or before May 15. Code Enforcement 814-870-1473. Millcreek is another municipality. AirROI Low is a scrape

Do Not Steal Thirty-Plus as Occupancy

Read more in Market an Erie Stay and Erie STR Rules. Typical listings earned about $16,408 last year from 239 active rentals, at $169 a night and 37.8 percent occupancy. August is the busiest month. February is the slowest. Most guests arrive from Pittsburgh. Call Zoning at 814-870-1265. City STR zoning plus annual rental registration. $80 if paid on or before May 15. Code Enforcement 814-870-1473. Millcreek is another municipality. AirROI Low is a scrape

Year over year is minus 21.3 percent. Supply moved 39.8 percent. Keep Havre de Grace ($18,791 a year) on its own line. A 23.8-percent share of listings uses a 30-night minimum. That is a stay rule, not occupancy. Photograph Presque Isle Lighthouse. Confirm the parcel before you advertise. Sales tax can still apply under 30 days. Call the desk. Do not underwrite another town's year.

Pennsylvania DSCR Facts Only

Read more in Erie STR Rules and Erie Shoulder. Typical listings earned about $16,408 last year from 239 active rentals, at $169 a night and 37.8 percent occupancy. August is the busiest month. February is the slowest. Most guests arrive from Pittsburgh. Call Zoning at 814-870-1265. City STR zoning plus annual rental registration. $80 if paid on or before May 15. Code Enforcement 814-870-1473. Millcreek is another municipality. AirROI Low is a scrape

Year over year is minus 21.3 percent. Supply moved 39.8 percent. Keep Havre de Grace ($18,791 a year) on its own line. A 23.8-percent share of listings uses a 30-night minimum. That is a stay rule, not occupancy. Photograph Erie Maritime Museum. Confirm the parcel before you advertise. Sales tax can still apply under 30 days. Call the desk. Do not underwrite another town's year.

What a Lender Packet Should Carry

Read more in Erie Shoulder and Erie Remote Stays. Typical listings earned about $16,408 last year from 239 active rentals, at $169 a night and 37.8 percent occupancy. August is the busiest month. February is the slowest. Most guests arrive from Pittsburgh. Call Zoning at 814-870-1265. City STR zoning plus annual rental registration. $80 if paid on or before May 15. Code Enforcement 814-870-1473. Millcreek is another municipality. AirROI Low is a scrape

Year over year is minus 21.3 percent. Supply moved 39.8 percent. Keep Havre de Grace ($18,791 a year) on its own line. A 23.8-percent share of listings uses a 30-night minimum. That is a stay rule, not occupancy. Photograph Tom Ridge Environmental Center. Confirm the parcel before you advertise. Sales tax can still apply under 30 days. Call the desk. Do not underwrite another town's year.

Frequently Asked Questions

What is a typical Erie STR year on this data set?

AirROI's trailing twelve months through July 2026 show about $16,408 in revenue across 239 active Erie listings, updated August 2026. The average night was $169, with occupancy at 37.8 percent. Revenue moved down about 21.3 percent year over year while active supply grew nearly 40 percent — a sign the market is getting more competitive, not less.

Can Deltaville or Havre de Grace revenue figures be averaged into Erie's year?

No. Deltaville's listings reported about $26,263 across 44 properties, and Havre de Grace's reported about $18,791 across 41 properties — both separate markets with their own demand patterns. Blending those numbers into Erie's $16,408 average would misrepresent what a host here can expect. Keep each town's figures on its own line.

Which months are strongest for Erie bookings?

August, June, and July are the three strongest months, with August the busiest of the year. February is the slowest. With occupancy at 37.8 percent for the full year, shoulder-season marketing carries real weight for hosts trying to close the gap.

Where do most Erie guests come from, and how far ahead do they book?

Pittsburgh is the top origin market, followed by other parts of Erie's own region. The typical stay runs 5.2 nights, booked roughly 52 days in advance. About 61.1 percent of active hosts hold Superhost status.

Does AirROI's "low-regulation" label mean Erie has no local permit rule?

No — that label reflects a data scrape, not a legal review. The City of Erie requires STR zoning approval plus an annual rental registration, with an $80 fee if paid on or before May 15. Contact Zoning at 814-870-1265 or Code Enforcement at 814-870-1473 to confirm current requirements before advertising. Millcreek is a separate municipality with its own rules, so don't assume Erie's status applies there.

Is a 30-night minimum-stay rule the same thing as occupancy?

No. About 23.8 percent of active Erie listings (57 of 239) use a 30-night minimum-stay requirement — that's a booking policy, not a measure of how full a calendar runs. The typical stay length here is 5.2 nights, and the two figures shouldn't be conflated when reading a listing's performance.

What should a buyer or lender packet cite for Erie?

Cite the $16,408 revenue figure from 239 listings, the August-June-July peak months, February as the slow month, Pittsburgh as the lead origin market, the 5.2-night average stay, and the roughly 52-day booking lead time. Confirm current zoning and registration requirements directly with the City of Erie Zoning office at 814-870-1265 rather than relying on a third-party label, and keep Deltaville's and Havre de Grace's figures out of an Erie-specific packet.

Is Havre de Grace the same market as Erie?

No. Havre de Grace is a separate market with its own AirROI figures — about $18,791 across 41 listings — and its own demand pattern. Erie's number is $16,408 across 239 listings, with February as its slowest month. Confirm any regulatory or revenue claim with the town it actually describes before including it in Erie marketing material.

Work with Crest & Cove Creative

Erie city listings often get priced off a blended regional average that folds in Deltaville and Havre de Grace — markets with different revenue and demand patterns.

Want your Erie listing marketed against the city's actual $16,408 revenue benchmark instead of a regional blend?

Reach out at crestcove.co or (256) 998-7502.