Lake Chatuge, GA short-term rental market report (2026)
Union County, Georgia. Rules, revenue, home values, demand, climate, reach and risk, each figure with its source.
- RulesRelaxed (1/5)
- Average revenue$46K a year
- 4-BR typical value$580K
- Gross yield7.9%
- FEMA riskRelatively Low
- Demand drivers within 50 mi4
Everything STR HUB holds on Lake Chatuge, GA in one place, in the order an investor needs it: whether you can operate, what the numbers are, why and when people come, who can reach it, and what could go wrong.
Every figure comes from a named dataset listed under Sources and method, dated September 21, 2026. Where we do not hold a figure, that part of the report is left out rather than estimated.
Can you operate in Lake Chatuge?
What the rating rests on: No dedicated STR ordinance found — business licence + lodging tax.
| Rule | What we hold on file |
|---|---|
| Jurisdiction | Towns County GA + Hiawassee/Young Harris; lake also spans Clay County NC |
| Permit or licence | No dedicated STR ordinance found - business licence + lodging tax (research gap, verify) |
| Lodging and sales taxes | 4% state sales tax + $5/night state fee + local hotel-motel tax (6-8%) (Hiawassee 8%) |
Rules for Lake Chatuge last verified September 20, 2026. Rules change, and a city rating does not cover HOA or deed restrictions. Confirm current requirements with the jurisdiction before you buy or list.
Which way the rules are moving
Tightening. The rules we hold report a recent or pending change.
GA SB 570 training required for all STR operators from 1 Jul 2026.
Classified from the regulation text we publish; a direction is only kept when the sentence it rests on appears word for word in that text.
The numbers
Revenue
Gross market averages from STR HUB market analytics, the same figures shown on the market page. They are before cleaning, management, utilities, taxes and financing, and an individual property can earn more or less.
Home values in Union County
Zillow Home Value Index: county-wide typical values for Union County, not list prices. A specific property can sit well above or below them.
Gross yield
Gross yield is before every operating cost and before financing. It is a screening ratio, not a cash-on-cash return.
What it costs to own
Screening figures, not a bill or a quote. The tax rate is a county-wide median for owner-occupied homes (U.S. Census Bureau, ACS 2018-2022); second homes and rentals are often taxed more heavily, and a purchase usually resets the assessed value. Expected annual loss is from the FEMA National Risk Index.
Housing market momentum
County-level, for-sale housing market: it says nothing directly about STR bookings. A relative ranking among tracked markets, not a forecast. Sources: Realtor.com Economic Research, U.S. Census Bureau, Zillow Home Value Index.
Why people come
4 demand drivers sit within 50 miles of Lake Chatuge. Ordered by published attendance. Attendance appears only where a source publishes it.
Events
- Oktoberfest in Helen, Georgia
- When
- Weekends spanning September through November
- STR angle
- A multi-month weekend celebration that, combined with peak fall-foliage tourism in this small Bavarian-themed North Georgia town, extends the local STR season well past summer.
Parks and public lands
- Lake Lanier
- When
- Boating season, Memorial Day-Labor Day, is peak.
- STR angle
- Reputedly the most-visited USACE lake in the country, it drives one of the Southeast's busiest lake-house STR markets near Atlanta.
Outdoor activities
- Amicalola Falls & Springer Mountain (Appalachian Trail southern terminus)
- When
- Thru-hiker departures peak in March and April; fall color is a second peak.
- STR angle
- The north Georgia mountains are a major cabin-rental region for Atlanta, and the falls and trail terminus are among its anchor attractions. Cabins with views, hot tubs and fire pits are the standard product.
- Nantahala Gorge (Nantahala Outdoor Center)
- When
- Spring through fall paddling season.
- STR angle
- Family-friendly whitewater on the quiet side of the Smokies, with a scenic railroad and national-park traffic (tracked separately) sharing the same town. Creekside cabins with hot tubs near Bryson City are the staple.
When they come
Four-season climate: comfortable months are spread across the year without one dominant season. 7 of 12 months have an average high between 60°F and 88°F. Warmest month: July (average high 80°F). Coldest: January (average low 30°F).
- Jan45°30°Cool
- Feb50°34°Cool
- Mar57°38°Cool
- Apr62°44°Comfortable
- May70°53°Comfortable
- Jun76°60°Comfortable
- Jul80°64°Comfortable
- Aug78°63°Comfortable
- Sep75°58°ComfortableEvent
- Oct65°48°ComfortableEvent
- Nov55°37°CoolEvent
- Dec49°33°Cool
| Month | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Average high (°F) | 45 | 50 | 57 | 62 | 70 | 76 | 80 | 78 | 75 | 65 | 55 | 49 |
| Average low (°F) | 30 | 34 | 38 | 44 | 53 | 60 | 64 | 63 | 58 | 48 | 37 | 33 |
| Precipitation (in) | 5.6 | 7.4 | 6.0 | 5.3 | 4.3 | 4.7 | 5.1 | 6.6 | 3.9 | 4.7 | 2.9 | 5.2 |
| Snowfall (in) | 3.2 | 2.4 | 0.2 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.7 |
| Sunshine (hours a day) | 6.3 | 5.9 | 8.0 | 10.1 | 10.7 | 11.3 | 11.5 | 10.7 | 10.3 | 8.7 | 8.0 | 6.0 |
| Event month | No | No | No | No | No | No | No | No | Yes | Yes | Yes | No |
Event months within 50 miles
- September: Oktoberfest in Helen, Georgia
- October: Oktoberfest in Helen, Georgia
- November: Oktoberfest in Helen, Georgia
This is climate and events, not booking data. Monthly normals are 2019-2023 averages from the Open-Meteo Historical Weather API (ERA5 reanalysis) at the market pin. Event months come from the demand drivers listed above. We do not hold monthly occupancy or rate data for this market.
Who can reach it
Largest counties within 150 miles
| County | Population |
|---|---|
| Fulton County, GA | 1,061,944 |
| Gwinnett County, GA | 957,977 |
| Cobb County, GA | 765,813 |
County populations (U.S. Census Bureau, ACS 2018-2022) summed for every county whose centre lies within each straight-line radius. Straight lines are shorter than roads, so read these as generous upper bounds, not drive-time counts.
What could go wrong
| Hazard | FEMA rating | Score (0-100) |
|---|---|---|
| Wildfire | Relatively Low | 71.9 |
| Earthquake | Relatively Low | 64.4 |
| Tornado | Relatively Low | 63.2 |
| River flooding | Relatively Low | 58.7 |
| Hurricane | Very Low | 56.2 |
| Hail | Relatively Low | 51.3 |
| Winter weather | Very Low | 16.3 |
This is a county-level index, not an insurance quote or a flood-zone determination. A coastal or wildfire-fringe rental can carry far more exposure than its county average suggests. FEMA does not model coastal flooding for this county, which is not the same as zero risk. Get property-level flood, wind and wildfire quotes before you buy.
Market context
Housing and jobs in Union County
U.S. Census Bureau, American Community Survey 2018-2022. Vacation-home share is housing units held for seasonal, recreational or occasional use. All three describe the whole county, not one town or neighbourhood.
What is within 15 km of the Lake Chatuge pin
Counts of features mapped in OpenStreetMap within 15 km of the market pin. A fixed radius favours dense metros, and map coverage varies by area.
Similar markets
The 4 tracked markets whose numbers sit closest to Lake Chatuge's. Each links to its own report.
Closest by normalised distance across the figures both markets hold (typical 4BR value, revenue, occupancy, regulation rating, vacation-home share, tourism job share, 4+ bedroom share, amenity score, population within 300 miles, comfortable months and FEMA risk score). At most 2 of the 4 come from Georgia, so the list is not just the neighbours. Similar numbers do not mean similar rules: check each market's regulation section.
See Lake Chatuge on the map
Open Lake Chatuge on the National STR Map to see it against its neighbours, switch overlays and run the deal calculator on your own assumptions.
Lake Chatuge STR questions, answered from the data
Is Airbnb legal in Lake Chatuge?
STR HUB rates Lake Chatuge's short-term rental rules 1/5 (Relaxed) on a scale from 1 (relaxed) to 5 (very strict). Permit rule on file: No dedicated STR ordinance found - business licence + lodging tax (research gap, verify) Rules change, so confirm current requirements with the local jurisdiction before you buy or list.
How much does an Airbnb make in Lake Chatuge?
The average short-term rental in Lake Chatuge, GA grosses $46,000 a year, on a $215 average nightly rate and 58% occupancy. That ranks #75 of the 88 tracked markets with revenue data. It is a gross market average before cleaning, management, taxes and financing, and an individual property can earn more or less.
How much does a 4-bedroom home cost in Lake Chatuge?
The typical 4-bedroom home in Union County is valued at $580,376 (Zillow Home Value Index), and the typical home of any size at $382,351, with all-home values down 0.1% over the past year. These are county-wide typical values, not list prices.
What is the gross rental yield in Lake Chatuge?
7.9%: average annual short-term rental revenue of $46,000 divided by the county's typical 4-bedroom home value of $580,376. It is before every operating cost and before financing, so treat it as a screening ratio, not a cash-on-cash return.
What brings visitors to Lake Chatuge?
4 demand drivers sit within 50 miles of Lake Chatuge, including Amicalola Falls & Springer Mountain (Appalachian Trail southern terminus), Lake Lanier and Nantahala Gorge (Nantahala Outdoor Center). Attendance is shown only where a source publishes it, and each driver's source is linked in the report.
Sources and method
- Regulation summary and strictness rating: STR Agent HUB regulation research (official source: townscountyga.org).
- Revenue, nightly rate and occupancy: STR Agent HUB market analytics.
- Home values: Zillow Home Value Index (ZHVI), county level. Data provided by Zillow Group.
- Housing, employment and population figures: U.S. Census Bureau, American Community Survey (ACS) 5-year estimates, 2018-2022.
- Natural hazard risk: FEMA National Risk Index, county level.
- Amenity counts: © OpenStreetMap contributors.
- Climate normals: Open-Meteo Historical Weather API (CC BY 4.0), 2019-2023 averages.
- Demand drivers: each entry links its own published source in the list above.
Figures come from the STR HUB national dataset dated September 21, 2026 and this page is regenerated whenever that dataset is rebuilt. County-level figures describe Union County as a whole, not one street or neighbourhood. The Opportunity Score (0-100) is a screening heuristic that weighs revenue (35%), regulatory climate (25%), tourism employment (15%), nearby amenities (15%) and large-home supply (10%) relative to the other tracked markets.
Confirm before you act. Short-term rental rules change. Confirm current requirements with the jurisdiction, and work with a licensed local agent who knows which properties can legally operate. This report is screening data, not investment, legal or tax advice.
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