Scenic view of Incline Village homes near Lake Tahoe with pine trees and lake in the background

Incline Village Homeowner FAQ — STRs, Taxes, and Insurance

Lake Tahoe Cole Mizak November 11, 2025

As a full-time Incline Village real estate agent with Compass, I work with homeowners, buyers, and investors every day. Whether you already own property here or you're looking at Incline Village homes for sale, you probably have questions about short-term rental (STR) rules, local taxes, and insurance.

Let’s break it all down—no fluff, just facts. Here are the answers you need straight from someone who lives and works in the market every day.

1. Can I Use My Incline Village Home as a Short-Term Rental (STR)?

Yes, but there are rules—and they’re strict. Washoe County has specific regulations that apply to STRs in Incline Village. Here’s what you need to know:

Permits are required for all STR properties.
There are occupancy limits based on bedroom count (2 per bedroom + 2)
Noise, parking, and bear-proof trash rules are enforced.
You must have a local responsible party available 24/7.

If you’re buying with the intention of running a short-term rental, I strongly recommend checking availability before making an offer. I can help you navigate the current STR permit map and approval process.

2. How Do Property Taxes Work in Incline Village?

Nevada has some of the most favorable property tax laws in the U.S.—a major plus for buyers. Here’s how it works in Incline Village:

The base property tax rate is around 0.60–0.70% of assessed value.
There's a 3% cap on annual tax increases for primary residences.
For investment properties or STRs, the cap is 6%.
Property taxes are "not" reassessed on the sale like they are in California.

If you're considering Incline Village homes for sale as an investment, this tax structure can significantly improve your ROI.

3. What Kind of Insurance Do I Need for an Incline Village Property?

Incline Village is in a wildfire-prone zone, and insurance is a hot topic. Many carriers have pulled out or limited coverage, so you’ll want to shop smart:

Wildfire risk is a key factor for pricing and availability.
Consider policies that include loss of rental income if you're an STR owner.
Check with local insurers who specialize in Lake Tahoe homes.

I work with trusted insurance brokers who understand the nuances of this market and can get you reliable quotes—fast.

4. What Should I Know Before Buying in Incline Village?

Here’s what I tell every buyer:

HOA rules vary widely between complexes.
Snow removal, slope orientation, and sunlight exposure are major livability factors.
Not all properties are STR-friendly or insurable at competitive rates.

As your Incline Village realtor, I go beyond the MLS listing. I’ll give you the inside scoop on which homes make sense for your lifestyle or investment goals—and which ones to skip.