Rental Investment Guide

St. Joseph Charter Township


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

Updated April 2026

Area Overview


St. Joseph Charter Township is the ring of unincorporated land wrapping around the City of St. Joseph — it stretches east along Washington Avenue and Niles Road (M-139), covers the Hollywood and Hilltop neighborhoods, and contains the Niles Avenue (Exit 27) I-94 interchange. The township holds about 9,900 residents across roughly 17 square miles. Housing stock is majority owner-occupied single-family and a smaller tier of two-family and apartment inventory along the M-139 corridor. Rentals exist primarily as long-term dwellings supporting Lakeland Medical Center staff, Whirlpool employees, and commuters to the City of St. Joseph and Benton Harbor [1].

Rental regulation for the township is consolidated in Chapter 10, Article IV, Division 2 of the Township Code (Rentals and Rental Inspection Ordinance, most recently amended April 11, 2022). Every rental dwelling — STR or LTR — must be registered with the Building Department, pass an inspection, and receive an Occupancy Permit before a tenant moves in. Sustained short-term (under 30 days) use is not a recognized dwelling category in the township's zoning ordinance (Chapter 46, adopted July 12, 2021); the only short-term rental use expressly authorized is a narrow "special event" exception under Section 10-157, capped at 14 days per year with registration at least 14 days in advance and a named local manager [2][3].

Quick Status Summary


Short-Term Rentals RESTRICTED

Sustained short-term rentals are not recognized as a distinct use in the township's zoning ordinance. The only STR expressly authorized is a Special Event short-term rental — 14 days per calendar year, registered at least 14 days in advance, with a local manager named and emergency info posted inside the door. Exceeding 14 days per year forfeits the homestead exemption. For any non-special-event vacation rental plan, confirm in writing with the Building Official before purchase. [3]

Long-Term Rentals REGISTRATION REQUIRED

Long-term rentals (leases of 30 consecutive days or more) are allowed in residential zoning districts. Every rental unit must be registered with the Building Department, pass an inspection against the Michigan Residential Code, and carry a current Occupancy Permit. Inspections recur every 24 months or at any change of tenants, whichever comes first. [2]

Rental Regulations


1 Where STRs Are Allowed (Zoning)

Sustained short-term rental use is not listed as a permitted or special use in any district of the township’s Zoning Ordinance (Chapter 46, adopted July 12, 2021). Residential districts (R-1, R-2, R-3, R-4) permit one-family, two-family, and multiple-family dwellings; the zoning use table treats Bed & Breakfast as a Special Use in R-1/R-3/R-4/B-1/B-2 and Hotels/Motels as a permitted use only in B-2. Short-term vacation rentals are not a recognized use category. [4]

The one STR path the ordinance does recognize is the Special Event short-term rental under Chapter 10, Section 10-157 — limited to 14 days per year, requiring advance registration and a local manager. See the next accordion for the full special-event workflow. [3]

Because the ordinance does not carve out a vacation-rental use, any investor weighing an STR strategy in the township should get written confirmation from the Building Official before making an offer. Do not rely on the absence of a prohibition as an implicit permission — the enforcement position has been that sustained under-30-day rental falls outside the definition of “rental dwelling” in Section 10-150. [2]

St. Joseph Charter Township Zoning Map (July 2021) — tap to open PDF

Tap to open the July 2021 Township Zoning Map PDF.

2 Special-Event STR Registration Process (Section 10-157)

Submit the Rental Registration / Inspection Form to the Building Department at 3000 Washington Ave (mail: P.O. Box 147, St. Joseph, MI 49085) at least 14 days before the event. Special-event STR approvals expire on a date specific to the event and do not roll into an annual permit. [3]

  1. Confirm “special event” status. Only events designated as such by the Township Board qualify. Call the Building Department at (269) 429-7703 before filing to confirm the window.
  2. Submit the registration at least 14 days in advance. Use the standard Rental Registration / Inspection Form — the ordinance states all rental applications use the same form.
  3. Inspection. The Building Inspector will inspect the dwelling prior to approval.
  4. Local manager + emergency info. A resident or local manager must be named with a contact number, and emergency information (address + contact name/phone) must be posted inside the door of the dwelling.
  5. HOA/ARC notice. If the dwelling is in a development with an Association or Architectural & Rules Committee, a copy of the request and the Section 10-157 criteria list must be forwarded to them.
  6. 14-day annual cap. The combined total of special-event STR days in a calendar year cannot exceed 14. Exceeding the cap results in loss of the homestead exemption on the dwelling. [3]
3 STR Fees, Penalties, and Homestead Impact

Special-event STR fees mirror the standard Rental Registration fee schedule — $75.00 per unit on the Rental Registration / Inspection Form. [5]

Registration fee (per unit)$75.00
Re-inspectionSet rate per township fee schedule (confirm at filing)
Annual STR-day cap (Section 10-157)14 days per calendar year
Exceeding 14-day capLoss of homestead (Principal Residence) exemption
Rental code violation (Section 10-156)$50 – $500 fine per offense; up to 90 days jail; each day a separate offense

The homestead (Principal Residence Exemption / PRE) consequence is the ordinance-level penalty unique to special-event STRs. Loss of PRE raises the effective millage on the parcel significantly — talk to the Township Assessor and a CPA before pushing past the 14-day window. [3]

4 Inspections & Safety Requirements

The applicable housing code is the Michigan Residential Code (currently 2015 edition) together with the locally-amended property-maintenance standards in Chapter 10, Article IV. The Building Inspector walks the dwelling before a permit is issued. [2]

  • Smoke detectors outside each sleeping area and in every bedroom, plus basement/other levels with sleeping use.
  • Egress. Basement bedrooms and above-grade bedrooms must have a functional egress window or exterior door. All exits must operate without a key from the inside.
  • GFCI protection within 6 feet of water; covers on all electrical boxes; service panel accessible.
  • Mechanical. Water heater TPR discharge piped to within 4 inches of the floor with metal pipe; clearance around furnace maintained.
  • Heat. Habitable areas must maintain 70°F.
  • Occupancy calculation. Bedrooms must have 70 sq ft for the first occupant plus 50 sq ft for each additional occupant; the Occupancy Permit lists the maximum.
  • Exterior. Premises free of junk/debris, foundation/roof/siding in workmanlike repair, window and door screens required April 1–December 1.
5 Special-Event Manager & Guest Rules

Every special-event STR must name a resident or local manager with a working contact number, post emergency information inside the door, and is capped at the occupant number set by the Building Inspector at registration. [3]

  • Local manager. A named person, resident or local, available to the guest and to the Township by phone during the event window.
  • Emergency sheet inside the door. Must list the house address and the name + phone number of the contact person. Posted prominently inside the main door.
  • Maximum occupants. Stated on the registration application and determined by the building code’s square-footage rules; cannot be exceeded in marketing.
  • HOA notice. If the dwelling is in an Association-governed subdivision, a copy of the request and Section 10-157 criteria list must be forwarded to the HOA/ARC.
  • Expiration date. Every approval is tied to a specific time frame; it does not create a standing permit.
6 Nuisance, Noise & Property Maintenance

Chapter 22 (Nuisances) and Chapter 26 (Offenses and Miscellaneous Provisions) cover the day-to-day conduct rules that affect rental operators — noise, junk, parking-on-grass, dogs at large, tall grass, and related property-maintenance expectations. The Ordinance Officer (Troy Gano, also the Building Official) handles complaints. [6]

  • Parking on grass prohibited. Only concrete or asphalt surfaces.
  • Tall grass/weeds. The Township will mow and invoice if the owner does not maintain the lawn.
  • Barking/at-large dogs. First complaint triggers a letter; second may trigger a citation.
  • Bulky trash. Arrange pickup with Best Way Disposal (269-463-3232) for large items.
1 Where LTRs Are Allowed (Zoning)

Long-term rentals of one-family, two-family, and multiple-family dwellings are allowed in the township’s residential districts per the Chapter 46 use table: one-family in R-1, R-2, R-3, and R-4; two-family in R-3 and R-4; multiple-family in R-4 (and as a Special Use in B-1 and B-2). A “long-term” rental is any lease of 30 consecutive days or more under Section 10-150. [4][2]

Overlay districts matter. Within the R-2/B-2 Residential Business Overlay, both R-2 and B-2 permitted/special uses apply. Within the I-2/R-2 Industrial Residential Overlay, once a use from one district is established on a lot, the other district’s uses are locked out — so verify existing use at the parcel before acquiring rental inventory there. [4]

For any parcel, confirm the zoning district on the official map (below) and request written verification from the Building Official before closing.

St. Joseph Charter Township Zoning Map (July 2021) — tap to open PDF

Tap to open the July 2021 Township Zoning Map PDF.

2 LTR Registration & Occupancy Permit Process

Submit the Rental Registration / Inspection Form to the Building Department at 3000 Washington Ave (mail: P.O. Box 147, St. Joseph, MI 49085) with a $75.00 per-unit fee. Newly acquired rentals must be registered within 10 days of acquisition. [5][2]

  1. Register. Complete the Rental Registration / Inspection Form (one per unit). A unit is each separate rentable space within a building.
  2. Pay. $75.00 per unit, check to “St. Joseph Charter Township,” mailed to P.O. Box 147 or dropped at Township Hall.
  3. Inspect. Call the Inspection Department at (269) 429-7703 to schedule. One inspection per 24-month cycle is included with registration; additional visits and re-inspections are billed per the fee schedule.
  4. Occupancy Permit issued. Indicates whether occupancy is allowed, the maximum number of occupants, any defects to repair, and whether a re-inspection is required.
  5. Renewal. Registration must be renewed before any new tenant moves in OR every 24 months from the original registration date, whichever comes first. [2]
Misdemeanor if occupied without a valid permit. Section 10-151 makes it a misdemeanor to permit a rental dwelling to be occupied without a valid Occupancy Permit. [2]
3 LTR Fees & Penalties

Per the Rental Registration / Inspection Form (current fillable version). [5]

Registration fee (per unit, includes inspection)$75.00
Additional inspection / re-inspectionSet rate per township fee schedule
Inspection while property is occupiedAdditional fee per the schedule
Registration deadline after acquisitionWithin 10 days
Re-registration cycleBefore new tenant OR every 24 months
Rental code violation (Section 10-156)$50 – $500 fine per offense; up to 90 days jail; each day a separate offense

Occupying a rental without a valid permit is a misdemeanor under Section 10-151. Unpaid inspection fees void any related Occupancy Permits. [2]

4 Inspections & Safety Requirements

The inspector walks the interior and exterior against the Michigan Residential Code (2015 and subsequent editions as adopted by the State) plus the minimum standards codified at Section 10-155. [2]

  • Smoke detectors in all sleeping areas (bedrooms 1–4 plus basement/other levels).
  • Egress. Basement bedrooms and other bedrooms must have openable egress windows; exit doors must function properly.
  • Electrical. GFCI within 6′ of water; covers on all boxes; Type-S fuses if overfusing is found; two remote receptacles per habitable room.
  • Mechanical. TPR valve on water heater piped to within 4 inches of the floor; clearance around furnace.
  • Plumbing in proper operating condition; habitable areas maintain 70°F.
  • Minimum floor area — first bedroom occupant 70 sq ft, each additional 50 sq ft; living-room, dining, and kitchen minimums scale with occupancy.
  • Exterior. No junk/debris; guard/handrail present; window and door screens April 1–December 1.
  • Light/ventilation. Each habitable room with window area ≥ 8% of floor area; 45% of required window area openable. No cooking in sleeping rooms.
5 Tenant Rights & Township Intake

Tenants with property-maintenance concerns can contact the Building Department directly — the township contacts the landlord on the tenant’s behalf when there are no-heat, no-hot-water, or other habitability issues. [7] This is unusual among Berrien County townships and is worth knowing on both sides of the lease.

  • Phone the Building Department: (269) 429-7703 (Troy Gano).
  • Alternate building-inspector line: (269) 930-2453.
  • Email: tgano@sjct.org.
  • Ordinance complaints (noise, nuisance, maintenance) use the Ordinance/Property Maintenance Complaint form.
6 Utilities, Sewer & Water Setup

Township water and sewer service are administered by Township Public Works (Dave Rindfield, Supervisor). Natural gas via Michigan Gas Utilities; electric via Indiana Michigan Power (I&M); trash via Best Way Disposal. [8] Parcels outside the sewer district rely on on-site septic regulated by the Berrien County Health Department.

  • Water & sewer. Contact the township’s Public Works for transfer, meter reads, and connection.
  • Trash. Best Way Disposal, (269) 463-3232, handles routine pickup and bulky-item arrangements.
  • Septic (if unsewered). Berrien County Health Dept handles permits, pumping logs, and point-of-sale inspections.

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 — these are not opinions, they are starting points for your own tax research.

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Thinking about a rental investment in St. Joseph Charter Township?

The township's STR ordinance is narrow — 14 days a year for special events only. LTR is the sustainable play here. I help investors pressure-test a rental thesis against the township's specific rental code, inspection cycle, and the surrounding Berrien County comp set.

Sources & Downloads


  1. 1
    U.S. Census Bureau — St. Joseph charter township, Berrien County, Michigan
    https://www.census.gov/quickfacts/fact/table/stjosephchartertownshipberriencountymichigan
    Population and area baseline for the township (distinct from the City of St. Joseph).
    Verified: 2026-04-20
  2. 2
    St. Joseph Charter Township — Chapter 10, Buildings and Building Regulations (revised, effective 4/11/2022)
    http://sjct.org/files/Revised-Chapter-10-Buildings-and-Building-Regulations-Effective-April-11-2020.pdf
    Rental Inspection Ordinance (Article IV, Division 2). Section 10-150 defines LTR as 30 consecutive days or more; 10-151 requires Occupancy Permit; 10-152 requires inspection; 10-153 requires registration within 10 days; 10-156 sets penalty at $50–$500 and up to 90 days; 10-157 is the 14-day Special Event STR exception.
    Verified: 2026-04-20
  3. 3
    St. Joseph Charter Township — Section 10-157 Special Event STR Criteria (page 9 of Chapter 10 PDF)
    http://sjct.org/files/Revised-Chapter-10-Buildings-and-Building-Regulations-Effective-April-11-2020.pdf#page=9
    Full 12-point Special Event short-term rental criteria: 14-day annual cap, homestead-exemption loss for overages, 14-day advance registration, local manager, emergency info inside door, HOA notice requirement, expiration-date permit.
    Verified: 2026-04-20
  4. 4
    St. Joseph Charter Township — Chapter 46 Zoning Ordinance (adopted 7/12/2021, effective 7/19/2021)
    http://sjct.org/files/Zoning-Ordinance-Adopted-July-12-2021-docx.pdf
    Zoning districts and permitted-use table. Residential districts R-1/R-2/R-3/R-4; B-1/B-2 commercial; I-1/I-2 industrial. One-family dwelling permitted R-1 through R-4. Bed & Breakfast is a Special Use (Section 4.02); Hotels/Motels permitted only in B-2. Short-term vacation rental is not a listed use category.
    Verified: 2026-04-20
  5. 5
    St. Joseph Charter Township — Rental Registration / Inspection Form
    http://sjct.org/files/rental-inspection-form-fillable.pdf
    Single registration form used for both long-term and special-event short-term rentals. Fee $75.00 per unit (each separate rentable space within a building). Includes the inspection checklist on pages 2–3.
    Verified: 2026-04-20
  6. 6
    St. Joseph Charter Township — Chapter 22 Nuisances (revised, effective 4/11/2022)
    http://sjct.org/files/Revised-Chapter-22-Nuisances-Effective-April-11-2022.pdf
    General nuisance provisions — noise, junk, exterior maintenance — applicable to all dwellings including rentals.
    Verified: 2026-04-20
  7. 7
    St. Joseph Charter Township — Building Department (department page)
    http://sjct.org/departments/building-dept
    Lists rental registration, checklist, and permit forms; describes the two-year rental-inspection cycle and the township's tenant-intake role.
    Verified: 2026-04-20
  8. 8
    St. Joseph Charter Township — Utilities directory
    http://sjct.org/utilities/water-services
    Water, sewer, gas, electric, and trash contacts for rental turnover.
    Verified: 2026-04-20
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 — 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.