Rental Investment Guide

Sturgis


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

Updated May 2026

Area Overview


Sturgis is a small city of roughly 11,000 people in southern St. Joseph County, set along US-12 just north of the Indiana state line. Its rental market is dominated by long-term housing tied to local manufacturing, healthcare, and the school district, with a smaller short-term layer keyed to summer travel on US-12 and inland-lake getaways at Klinger Lake and Long Lake.[1]

Sturgis runs a structured Property Maintenance Program: every non-owner-occupied dwelling, single-family rentals included, must register annually with the Community Development Department and pass a city inspection on a two-year compliance cycle keyed to which ward the property sits in.[2] The city does not have a separate short-term rental ordinance, so STRs operate inside that same registration and inspection program.[3]

Permits are filed through the city’s OnCamino online permitting portal, and Sturgis advertises same-day permitting for routine applications during business hours.[4] For zoning questions, building permits, or rental registration, the Community Development Department is the single front door at 130 N Nottawa.[5]

Quick Status Summary


Short-Term Rentals ALLOWED

Sturgis does not have a dedicated short-term rental ordinance. STRs are treated as residential rentals under the citywide Property Maintenance Program: annual rental registration ($25/unit) with the Community Development Department, a Certificate of Compliance issued after a city inspection ($50/unit), and recertification every two years on the ward cycle. Always verify the property’s zoning before listing.

Long-Term Rentals ALLOWED

Long-term rentals are permitted citywide subject to annual registration ($25/unit) and a Certificate of Compliance issued by the city inspector after a property maintenance inspection ($50/unit). Compliance cycles are two years, with Wards 1 and 3 inspected in odd years and Wards 2 and 4 in even years. Premier-status properties (inspection score under 20 points) have the inspection fee waived.

Rental Regulations


๐Ÿ—บ๏ธ Where STRs Are Allowed (Zoning)

Sturgis has not adopted a short-term rental ordinance, so STRs are governed by the city’s underlying residential and business zoning districts and the citywide Property Maintenance Program.[6] The city’s zoning is laid out in Appendix A of the code (Article III, Designation of Districts), and the current districts include R-1 Rural Residential, R-2 Subdivision, R-3 Residential, R-4 Apartment, R-5 Residential, plus business districts B-C, B-H1, B-H2, B-N, B-OS, manufacturing (M), and three Planned Development Districts.[7]

Whether a specific parcel can be operated as an STR depends on its district and any associated special-use conditions. Confirm the zoning of any property on the city’s current zoning map before listing, and call the Community Development Department for a written zoning determination if there is any doubt.[5]

City of Sturgis zoning map

๐Ÿ“ Registration & Permit Process

Apply through the city’s OnCamino online permitting portal at app.oncamino.com/sturgis-mi, or submit by mail or in person to the Community Development Department at 130 N Nottawa St, Sturgis, MI 49091.[4] Required information on the rental registration form includes the rental address, owner name and address, name and address of anyone authorized to collect rent, the local responsible agent (must be reachable within 30 minutes by motor vehicle), the number of units in each building, and the lienholder’s contact info if applicable.[2]

Registration is effective for one year and must be renewed on the first day of the month immediately preceding the expiration date.[2] Any change to ownership or registration information must be reported within 30 days, or the unit can be cited as a ‘rental without compliance.’[2]

๐Ÿ’ฐ Fees & Penalties

Per the City of Sturgis 2025 Community Development Fee Schedule:[8]

  • Rental Registration Fee: $25.00 per unit
  • Rental Inspection Fee: $50.00 per unit (waived if the property earns Premier Status with an inspection score under 20 points)[2]
  • Rental Inspection No-show Fee: $100.00
  • Rental Request for Copies: $10.00
  • Rental without Compliance Fee: $250.00
  • Unregistered Rental Initial Registration Fee: $250.00 per unit
  • Late Payment Fee: $25.00

If payment is not received within 60 days of the registration due date, the unit is treated as unregistered and is cited as a rental without compliance.[2]

๐Ÿ” Inspections & Safety Requirements

Every registered rental must hold a current Certificate of Compliance issued by the city after a property maintenance inspection.[2] Inspections are scheduled at the time of application and are conducted under the city’s Property Maintenance Code, which is adapted from the 2012 International Property Maintenance Code with local amendments.[9]

Sturgis uses a Performance-Based Property Maintenance Program with three status tiers based on inspection scores: Premier Status (score under 20 points, inspection fee waived), Compliant Status (the standard tier, two-year certificate), and Monitored Status (50+ points, annual recertification with the standard inspection fee charged each year).[2] Category I violations (immediate threat to life, health, or safety) automatically put the unit into Monitored Status and mark it unfit for habitation until cleared.[2]

Re-inspections are charged separately when violations are not corrected by the deadline.[2] The city must give at least nine days’ written notice before an inspection unless there is an unreasonable threat to occupant health and safety.[2]

๐Ÿ” Compliance Cycle & Recertification

Standard rental units are recertified every two years.[2] The city is divided into four wards: Wards 1 and 3 are recertified in odd years, Wards 2 and 4 in even years.[2] At least 30 days before a Certificate of Compliance expires, the city notifies the owner to apply for renewal and arrange the compliance inspection. It is the owner’s or local agent’s responsibility to apply before the existing certificate expires.[2]

Monitored Status properties recertify annually rather than every two years. A unit is removed from Monitored Status once it passes two consecutive Monitored Status certification inspections, each with a score below 50 points.[2]

๐Ÿ‘ค Local Agent Requirement

Every registered rental in Sturgis must designate a Responsible Local Agent.[2] The agent must live or do business within 30 minutes’ drive of the City of Sturgis, must accept legal notices and service of process on the owner’s behalf, must provide access for any inspection required under the Property Maintenance Code, and must maintain a current list of occupant names and counts for each unit they are responsible for.[2] The Certificate of Compliance, plus the local agent’s name, address, and phone, must be kept on site in each rental unit or building at all times.[2]

๐Ÿ”„ Ownership Transfer Rules

If a rental unit changes ownership and a current Certificate of Compliance is in place, the standard compliance inspection is waived; the new owner may optionally request a Special Transfer Inspection to reset the property’s score and status.[2] If there is no current Certificate of Compliance at the time of transfer, the city will inspect the property and issue any violations to both the current owner and the prospective buyer.[2]

New owners must update the rental registration within 10 days of transfer, or the registration and Certificate of Compliance are treated as expired 60 days after the transfer date.[2]

๐Ÿ—บ๏ธ Where LTRs Are Allowed (Zoning)

Long-term rentals are permitted citywide subject to the underlying zoning district, with residential uses concentrated in R-1 Rural Residential, R-2 Subdivision, R-3 Residential, R-4 Apartment, and R-5 Residential.[7] Multi-family rental buildings (three or more units that do not share a common wall with another rental structure under different ownership) fall under R-4 and select Planned Development Districts.[7]

Confirm the zoning of any specific parcel on the current zoning map before purchasing, and call Community Development for a written zoning determination if the use is anything other than a single-family residential rental.[5]

City of Sturgis zoning map

๐Ÿ“ Annual Registration & Inspection Program

Apply online through the OnCamino portal at app.oncamino.com/sturgis-mi, or in person at the Community Development Department, 130 N Nottawa St.[4] All non-owner-occupied dwellings must be registered, including single-family homes, multi-family buildings, and hotels.[2]

The registration must include the rental address, owner contact, anyone authorized to collect rent, the local responsible agent’s contact info, the number of units per building, and lienholder info if applicable.[2] Registration is annual and recurs every year on the same month it was first issued; the compliance inspection follows the ward-based two-year cycle.[2]

๐Ÿ’ฐ Fees & Penalties

From the City of Sturgis 2025 Community Development Fee Schedule:[8]

  • Rental Registration Fee: $25.00 per unit (annual)
  • Rental Inspection Fee: $50.00 per unit (every two years; waived for Premier Status)[2]
  • Rental Inspection No-show Fee: $100.00
  • Rental Request for Copies: $10.00
  • Rental without Compliance Fee: $250.00
  • Unregistered Rental Initial Registration Fee: $250.00 per unit
  • Late Payment Fee: $25.00

If a payment is not received within 60 days of the registration due date, the rental is cited as a rental without compliance and the fee jumps to the $250 unregistered tier.[2]

๐Ÿ” Inspections & Safety Requirements

Inspections enforce the City’s Property Maintenance Code, which is the 2012 International Property Maintenance Code with local amendments.[9] Common cited violations include weeds, garbage, rubbish, exterior finish condition, roofs, and egress paths.[5]

The Performance-Based Property Maintenance Program scores every inspection on four violation categories: Category I (immediate threat to life or safety, triggers Monitored Status and possible vacate order), Category II (30 points each), Category III (15 points each), and Category IV (5 points each, often fixed on site at no points).[2] Properties scoring under 20 earn Premier Status with a waived inspection fee; properties scoring 50+ are placed on Monitored Status with annual recertification.[2]

If a re-inspection is required because violations were not corrected by the deadline, a separate re-inspection fee is charged.[2] Owners have the right to appeal an inspection score, first to the building official and then through the formal appeals process in the Property Maintenance Code.[2]

๐Ÿข Multi-Unit Rental Buildings

Sturgis defines a multi-unit rental building as a rental property structure that contains three or more rental units and does not share a common wall with another rental structure (or shares a wall only with a structure owned by a different entity).[2] Multi-unit buildings receive a single Certificate of Compliance for the entire building, and inspection scores are calculated by totaling all violation points and dividing by the number of units inspected at the initial inspection.[2]

Units that cannot be inspected on the initial visit are automatically assigned 50 points and must be re-inspected; the building’s score is recalculated after the re-inspection, and additional inspection fees apply per missed unit.[2] If any individual unit in the building receives a Category I violation, the entire building is placed on Monitored Status.[2]

โš–๏ธ Tenant Rights & Eviction Resources

Michigan landlord-tenant disputes and evictions are handled in the local district court; for Sturgis, that is the 3-B District Court serving St. Joseph County.[10] Tenants who believe a rental property is in violation of the City of Sturgis Property Maintenance Code may file a written complaint with the Community Development Department (verifying that the owner or local agent has been notified first, except in emergencies).[2] If the complaint produces no violation, no fees are assessed against the rental owner; if the complaint is frivolous or malicious, the complainant may be charged the inspection fee instead.[2]

For statewide tenant rights, the Michigan State Housing Development Authority (MSHDA) and the Michigan Department of Attorney General publish tenant guides covering security deposits, eviction notice timelines, and habitability standards.[11]

Official Resources


Property Tax Treatment


i
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.

Explore Rental Guides โ€” St. Joseph County


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Thinking about buying or renting in Sturgis?

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Sources & Downloads


  1. 1
    City of Sturgis โ€” Official Website https://www.sturgismi.gov/
    Main municipal homepage, demographic and contact info
    Verified: 2026-05-17
  2. 2
    Full rental registration, inspection cycle, certificate of compliance, performance-based status rules
    Verified: 2026-05-17
  3. 3
    Confirms no separate short-term rental ordinance as of May 2026
    Verified: 2026-05-17
  4. 4
    City of Sturgis โ€” Community Development Department https://www.sturgismi.gov/182/Community-Development
    Lists OnCamino online permit portal and same-day permitting note
    Verified: 2026-05-17
  5. 5
    City of Sturgis Contact Directory (CDD) https://www.sturgismi.gov/Directory.aspx
    Will Prichard, Community Development Director, 269-659-7235, wprichard@sturgismi.gov
    Verified: 2026-05-17
  6. 6
    Reviewed for STR-specific provisions; none found as of May 2026
    Verified: 2026-05-17
  7. 7
    Defines residential, business, manufacturing, and PDD zoning districts
    Verified: 2026-05-17
  8. 8
    Rental registration $25/unit, inspection $50/unit, no-show $100, rental without compliance $250, unregistered initial $250/unit, late $25, copies $10
    Verified: 2026-05-17
  9. 9
    Code basis is 2012 International Property Maintenance Code with local amendments
    Verified: 2026-05-17
  10. 10
    St. Joseph County, Michigan Government https://stjosephcountymi.gov/
    County-level courts directory and government services for tenant/landlord disputes
    Verified: 2026-05-17
  11. 11
    MSHDA โ€” Compliance for Rental Housing https://www.michigan.gov/mshda/rental/property-managers/compliance
    State-level landlord compliance and tenant rights resources
    Verified: 2026-05-17
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.