Rental Investment Guide

Howard Charter Township


Short-term & long-term rental regulations, fees, and investor resources for Cass County, Michigan.

Updated May 2026

Location: Howard Charter Township (red outline) over OpenStreetMap. © OpenStreetMap contributors.

Area Overview


Howard Charter Township sits in southwestern Cass County, bordering Berrien County and the city of Niles. The township covers about 35 square miles centered on Barron Lake and a mix of unincorporated communities along the M-51 / Barron Lake corridor. Population was 6,275 at the 2020 census [9], and housing is predominantly single-family on larger rural parcels with a band of lakefront homes around Barron Lake โ€” the type of inventory that draws weekenders out of Chicago and South Bend.

Howard adopted its first formal short-term rental framework in 2025: Ordinance #235, passed 9/16/2025, requires every STR to register annually with the Township and meet a detailed list of safety, occupancy, parking, and insurance standards [1]. There is no permit cap. Long-term rentals (28+ days) are not subject to a separate township registration program โ€” they fall under standard residential zoning and the State of Michigan’s landlord-tenant statutes.

Ballot watch: On May 12, 2026 the Township Board adopted Resolution 2026-9 placing a charter-disincorporation question on the August 4, 2026 ballot [5]. If voters approve, Howard would revert from a charter township to a general-law township under MCL 41.1 et seq. Day-to-day rental administration (Ordinance #235, the zoning ordinance, the existing officials) would continue regardless โ€” disincorporation changes governance structure, not the rental rules in force.

Quick Status Summary


Short-Term Rentals REGULATED

Permitted township-wide with annual registration under Ordinance #235 (effective 30 days after publication, fall 2025) [1]. No permit cap. $1,000,000 commercial liability insurance required, two-occupants-per-bedroom occupancy limit (max 10), no street parking, no special events, no rentals to anyone under 25, and an owner or local agent must be reachable on-site within 1 hour. Septic inspection required by the Van Buren / Cass District Health Department for properties not on public sewer [7].

Long-Term Rentals ALLOWED

Permitted with no separate township registration program. LTRs (28+ days) follow standard residential zoning [4] and Michigan landlord-tenant law. Verify the parcel’s zoning district on the township map and confirm residential use with the Zoning Administrator before purchase.

Rental Regulations


1 Where STRs Are Allowed (Zoning)

Howard Charter Township Zoning Map

Short-term rentals are permitted township-wide as a registered use under Ordinance #235 [1] โ€” the ordinance does not restrict STRs to any particular zoning district. However, the dwelling itself must comply with the underlying zoning district’s residential-use rules, which are set out in the Howard Township Zoning Ordinance and Zoning Map [4].

The published Zoning Map is a single full-township PDF; specific by-district permissions need to be read off the map and confirmed with the Zoning Administrator. For any specific property, verify the zoning district on the map below, then confirm residential dwelling use is permitted with the Zoning Administrator.

๐Ÿ—บ Open the Howard Township Zoning Map (PDF)

2 Registration & Permit Process

STR registration is filed on a paper form with the Township Office at 1345 Barron Lake Road, Niles, MI 49120 [1]. There is no online portal. Howard does not maintain a Deckard or Granicus-style third-party intake. Call the Clerk at 269-684-0072 to request the current registration form and current fee schedule.

SubmissionPaper form to Township Office
TermAnnual (calendar year) [1]
Insurance proof$1,000,000 commercial liability policy [1]
Septic certificateRequired if not on public sewer; renews every 3 years [1] [7]
TransferabilityNon-transferable. New owner must re-apply [1]

Required attachments per Ordinance #235 ยง1.04: owner contact info, local agent if owner is not within 30 minutes, off-street parking count, maximum occupants & visitors, intended rental days/months, copy of the rental agreement, and a certification of compliance [1].

For investors: A buyer cannot inherit a seller’s STR registration. Build the re-registration window into your closing timeline, especially if you intend to advertise listings in the first 30โ€“60 days post-close.
3 Fees & Penalties

The annual STR registration fee is set by Township Board resolution rather than fixed in the ordinance text [1]. The current dollar amount is not published online โ€” confirm with the Clerk at 269-684-0072 before underwriting. Civil-infraction fines are fixed by the ordinance:

Annual registration feeSet annually by Township Board โ€” call to confirm
Renting/advertising without registration (post-1/1/2026)Increased fee (set by Board) plus civil-infraction fine [1]
Operating an unregistered STR โ€” civil fineUp to $200 first offense / up to $500 each subsequent [1]
Exceeding maximum occupancy โ€” civil fine$200 first / up to $500 subsequent [1]
Other violations โ€” civil fine$200 first / $500 subsequent [1]
Each day = separate offenseYes, per ยง1.06 [1]

Three separate violation findings within a calendar year (each on a separate day) trigger registration revocation under ยง1.06(1)(a). Following revocation, the dwelling cannot be re-registered as an STR for one year [1].

4 Inspections & Safety Requirements

Owners must consent to and pay for any Township-requested inspection of the dwelling, plus a Cass County / Van Buren District Health Department septic inspection (renewed every 3 years) for properties not on public sewer [1] [7]. Required safety equipment per ยง1.05(9) [1]:

  • Smoke detectors on every floor, tested at least every 90 days.
  • Carbon monoxide detector on every floor (MCL 125.1504d / 125.1504e compliant), tested at least every 90 days.
  • Working fire extinguisher in the kitchen and one near any outdoor cooking device.
  • Posted evacuation routes in each bedroom and the main gathering space.
  • No fireworks on premises.
  • Street address posted in at least two prominent interior locations (near the kitchen and near any phone or pool) so guests can direct emergency responders [1].

Attics and basements cannot be used as bedrooms in an STR โ€” even if they meet typical egress standards, the ordinance disallows them outright [1].

5 Operating Rules (Occupancy, Quiet Hours, Parking)

Ordinance #235 lays out the operating standards in ยง1.05 [1]:

  • Whole-house only. Renting individual rooms within an occupied dwelling is prohibited.
  • Tenant age โ‰ฅ 25. The lessee must be at least 25 years old AND must be present during the rental period.
  • Occupancy: 2 per bedroom, max 10. Children under 13 do not count. Garages, accessory buildings, attics, and porches do not count as sleeping areas.
  • Guests. Daytime guests up to the occupancy limit are allowed only outside quiet hours.
  • Quiet hours. 10 PM โ€“ 8 AM Sundayโ€“Thursday; 11 PM โ€“ 8 AM Friday & Saturday.
  • No special events. Weddings, family reunions, outdoor parties, or any gathering exceeding the registered occupancy are prohibited.
  • Parking. Street parking is forbidden for occupants and guests. All parking must fit within the lot’s off-street spaces; overflow must use public lots or other permitted off-site parking.
  • Signs. Only the street-number marker is allowed โ€” no exterior STR-advertising signage of any kind.
  • Trash. Tight-lid containers sized to occupancy, picked up by a licensed waste hauler.
  • Pets. If allowed, must be secured on the premises or leashed at all times.
6 Local Agent / 24-Hour Contact Requirement

If the owner does not reside within 30 minutes of the rental, the owner must designate a local agent in the registration form [1]. The owner, the local agent, or a designee must be on-site within 1 hour of being contacted by the Township or law enforcement about an issue at the rental.

Renters must also be provided copies of (or information about) the STR Ordinance #235, the Howard Charter Township Anti-Noise and Nuisance Ordinance, and the Safe Burning Ordinance at the start of every stay [1]. Howard does not currently publish a public-facing STR complaint portal โ€” complaints are routed through the Township Office or via the Ordinance Complaint Form below:

Investor takeaway: Out-of-town owners must line up a local property manager (or self-manage from within 30 minutes) before registering. Build the agent agreement and contact info into your operating plan.
7 Recent Changes & Disincorporation Vote

Howard’s STR framework is brand new โ€” and the township’s governance structure may change in 2026.

  • August 21, 2025: Howard introduced the proposed STR Ordinance #235 at a Board meeting [1].
  • September 16, 2025: Township Board adopted Ordinance #235 [1]. The ordinance becomes effective 30 days after newspaper publication of its contents or summary.
  • January 1, 2026: Increased-fee penalty kicks in for owners who rent or advertise an unregistered dwelling [1].
  • April 21, 2026: Approximately 500 Township electors filed a petition to disincorporate the charter township [5].
  • May 12, 2026: Board adopted Resolution 2026-9 placing the disincorporation question on the August 4, 2026 ballot [5].
  • August 4, 2026 (upcoming): Voters decide whether to revert to a general-law township under MCL 41.1 et seq. [5].
What disincorporation means for rental owners: A disincorporation vote changes the township’s governance form (charter โ†’ general law), not the ordinances already on the books. Ordinance #235, the Zoning Ordinance, and the Anti-Noise and Nuisance Ordinance would continue in force. The biggest practical change is millage authority โ€” charter townships can levy up to 5 mills without a vote; general-law townships are capped at 1 mill without a vote.
1 Where LTRs Are Allowed (Zoning)

Howard Charter Township Zoning Map

Long-term rentals (28+ days) follow standard residential zoning [4] โ€” if a parcel is zoned for residential dwelling use, an LTR is permitted by right with no separate township registration. Ordinance #235 explicitly carves out leases of 28 days or more from the STR program [1].

Where verification matters: for commercial, agricultural, or mixed-use parcels, confirm that the residential dwelling use is permitted (or grandfathered) by checking the Zoning Map below and confirming with the Zoning Administrator.

๐Ÿ—บ Open the Howard Township Zoning Map (PDF)

2 Registration & Permit Process

Howard Charter Township does not operate a separate long-term rental registration or licensing program. No annual registration form, no per-unit landlord license, no inspection cycle is required at the township level for leases of 28 days or longer.

You will still need to follow standard Michigan landlord requirements: a written lease, security-deposit handling under MCL 554.602โ€“554.616, and the State of Michigan housing-quality standards under PA 167 of 1917 (the Housing Law of Michigan). Confirm with the Township Clerk that no new LTR program has been adopted since this guide was verified [2].

3 Fees & Penalties

No township-level LTR registration fee or annual licensing fee applies in Howard Charter Township. The only standing rental-related fees are:

Township LTR registration feeNone โ€” program does not exist
Zoning compliance application (if change of use)Set by Township; obtain form below
Septic inspection at point of property transferThrough Van Buren / Cass DHD [7]
Civil infractions for zoning / nuisance violationsFines set by individual ordinance
4 Inspections & Safety Requirements

No routine LTR inspection cycle is operated by Howard Charter Township โ€” unlike Niles, Kalamazoo, or Portage, Howard does not run a periodic landlord-licensing inspection program. Compliance is driven by:

  • Michigan Housing Law (PA 167 of 1917) โ€” establishes minimum habitability standards enforceable by complaint.
  • Building Department permits โ€” required for major repairs, additions, or rehabs (contact the Township Building Department at 269-684-0072).
  • Septic certificate โ€” typically required at point of property transfer through the Van Buren / Cass District Health Department [7] for properties not on public sewer.
  • Smoke and CO detectors โ€” required by Michigan code in all rental dwellings; landlords are strongly advised to verify functionality at every lease turnover.
5 Tenant Rights & Eviction Resources

Cass County eviction (summary proceedings) cases are heard at the 4th District Court in Cassopolis. Both landlords and tenants in Howard Township use this court for non-payment, holdover, and termination-of-tenancy actions. Lakeshore Legal Aid is the primary tenant-side civil legal aid provider in southwestern Michigan.

Standard Michigan timing: 7-day notice to quit for non-payment of rent, 30-day notice to terminate a month-to-month tenancy, plus the summary-proceedings filing window before a writ of restitution is issued [9].

Official Resources


Property Tax Treatment


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Important for investors: A property used as a rental in Michigan is generally classified as non-homestead, which is taxed at the full local millage rate (no Principal Residence Exemption). Short-term rental income may also be subject to the Michigan Use Tax on transient accommodations. Consult a CPA before underwriting any deal โ€” these are not opinions, they are starting points for your own tax research.

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Buying, selling, or investing in Howard Charter Township?

I help investors and homeowners navigate Howard Township's brand-new STR registration program (Ordinance #235), the August 2026 disincorporation vote, and the underlying zoning rules across Cass County and the rest of southwest Michigan โ€” including the local nuances that decide whether a property pencils out.

Sources & Downloads


  1. 1
    Ordinance text adopted 9/16/2025 covering registration, occupancy, parking, fire safety, insurance, fines, and revocation procedure.
    Verified: 2026-05-08
  2. 2
    Howard Charter Township โ€” Official Website https://www.howardtwp.org/
    Township homepage with elected officials, contact info, office hours, and quick links.
    Verified: 2026-05-08
  3. 3
    Howard Charter Township โ€” Ordinances Page https://www.howardtwp.org/ordinances
    Township ordinances index page; copies of individual ordinances available by phone request.
    Verified: 2026-05-08
  4. 4
    Howard Charter Township โ€” Zoning / Planning Page https://www.howardtwp.org/zoning
    Zoning forms, Zoning Map PDF, Zoning Administrator contact, and Planning Commission/ZBA membership.
    Verified: 2026-05-08
  5. 5
    Howard Charter Township โ€” Resolution 2026-9 (Disincorporation Ballot Language) https://www.howardtwp.org/_files/ugd/e549ea_7df19ab8270040dba9bd94cb3f8a1b08.pdf
    Adopted 5/12/2026; places charter-disincorporation question on the 8/4/2026 ballot.
    Verified: 2026-05-08
  6. 6
    Full-township zoning map PDF; published by the Township Planning Commission.
    Verified: 2026-05-08
  7. 7
    Van Buren / Cass District Health Department โ€” Water & Septic https://vbcassdhd.org/environmental-health/water-septic/
    Septic and well inspection program; required for STR registration when not on public sewer.
    Verified: 2026-05-08
  8. 8
    Parcel-level GIS viewer for Howard Township (AppID 1152).
    Verified: 2026-05-08
  9. 9
    Michigan Legal Help โ€” Housing & Real Estate Self-Help https://michiganlegalhelp.org/self-help-tools/housing
    Statewide self-help toolkit for landlord-tenant matters and summary-proceedings forms.
    Verified: 2026-05-08
  10. 10
    Wikipedia โ€” Howard Township, Michigan https://en.wikipedia.org/wiki/Howard_Township,_Michigan
    Geographic and demographic background (35.3 sq mi, pop. 6,275 as of 2020 census).
    Verified: 2026-05-08
How this guide is produced. This rental guide is researched and drafted with assistance from Claude, an AI model made by Anthropic, working from the official municipal sources linked in this page. AI can make mistakes โ€” any fact that would materially affect a purchase or rental decision should be verified against the official source cited above and confirmed directly with the municipality. See an error? Email a correction.