Short-Term Rental Laws in Naperville, Illinois

Naperville permits STRs only in the operator's primary residence — non-owner-occupied investor STRs are not eligible for a license. The 2019 ordinance was explicitly written to preserve neighborhood character and limit commercial-style STR operation in this affluent residential suburb. Primary-residence verification is annual (driver's license + utility bill + voter registration). HOA covenants in many Naperville subdivisions further restrict STR use regardless of city license eligibility.

Naperville Zoning Ordinance permits STR only as a home occupation in the operator's primary residence, broadly across R1, R2, R3, R4, OCI residential zones provided primary-residence test is met. Non-owner-occupied STR (investor) is not permitted. Many of Naperville's subdivision HOAs (across the bulk of the 90+ named subdivisions) layer covenant restrictions on top — confirm both city eligibility AND HOA bylaws before any acquisition. The downtown and Naperville Riverwalk corridor mixed-use districts may permit STR more flexibly subject to specific zoning review.

Operators must hold a short-term rental permit before listing. See the official permit portal.

STRs are limited to the operator's primary residence.

Naperville Community Development + Code Enforcement jointly enforce. Annual STR registration with primary-residence re-verification. Operating non-owner-occupied STR or operating without registration: administrative fines starting at $500 + stop-rental orders + ineligibility for future application. Enforcement is active — the city cross-references Airbnb/Vrbo listings against the registered-STR roster and against property-tax-roll owner-occupancy data. Persistent neighbor complaints can trigger license review even for owner-occupied operators.

Combined short-term lodging tax in Naperville is approximately 13.000% of gross nightly revenue (state sales + state TRT + local TRT + applicable resort/city options).

Illinois State sales 6.25% + DuPage County 1% + Naperville Hotel-Motel Tax 5.5% + local option 0.25% — combined ~13.0% on transient lodging

Verify the current combined rate via the Utah State Tax Commission before remitting — rates drift quarterly.