Regulation & Licensing · 2026
What the Law Requires in Warwick
New York sets the taxes and a registration law; the town and the villages decide whether and how a house can rent. Governor Hochul signed Senate Bill S885C on December 21, 2024, as Chapter 672 of the Laws of 2024, and on February 28, 2025, signed its chapter amendment, Senate Bill S820, as Chapter 99 of the Laws of 2025. As amended, the registry no longer sits with the Department of State: each county outside New York City must set up a registration system for the short-term rentals inside it unless it passes a local law opting out, and hosts register with their county. Booking services must check a unit's registration before taking a fee for a stay and report stays, and the taxes they collected, to each county every quarter; neither platforms nor hosts face fines until a county registry exists, and a host gets warnings for the first two violations. Counties, cities, towns and villages can still limit rentals further. We couldn't confirm whether Orange County has opened a registry, so ask the county before you count on one either way. On taxes, the combined state and local sales tax in Orange County outside its cities is 8.125 percent, including the 3/8 percent for the Metropolitan Commuter Transportation District, under the state's rate table effective March 1, 2025, the same date from which the amended law has booking services collect sales tax on the stays they handle. Orange County's own tax page sets its hotel and motel occupancy tax at 5 percent, paid by the guest to the operator, and lists a 2025 amendment, Local Law 12 of 2025, whose text we couldn't open. On its own bookings Airbnb charges New York sales tax on the listing price, cleaning fee and guest fees for any stay up to 89 nights outside the five boroughs, and the county's 5 percent, cleaning fee included, on any reservation up to 29 nights. Its New York list includes no town or village tax for Warwick or Greenwood Lake.
Outside the villages, the Town of Warwick regulates rentals under Chapter 129, Short-Term Rental Property, of its code, amended by Local Law 2 of 2023 and again by Local Law 4 of 2024. A short-term rental is housing occupied for pay by people other than the owner or immediate family for less than 30 days, and listing on a platform or advertising stays of 31 days or less creates a presumption that the house is one. Before the first guest you need a permit, and the application asks for a lot: the bedroom count and occupancy limit, fire protection and exits, a certified floor plan drawn to scale, the platforms you use, proof of septic maintenance (properties on cesspools can't qualify), liability insurance of at least $1,000,000, and a sample rental contract that states the maximum occupancy and on-site parking and includes a Good Neighbor statement setting quiet hours between 10 at night and 7 in the morning, all on a notarized form. Permits run one year, can't be transferred, and no landlord may hold more than two. Every rental is inspected each year, at $50 a property under the 2023 law, plus $25 for each reinspection after a failure. The town's renewal application, posted in January 2026, lists a fee of $100 for an owner-occupied dwelling and $750 for one the owner doesn't live in, wants the renewal 30 days before the permit expires, and caps occupancy at two guests per legal bedroom; under the law, occupancy follows the approved septic design, typically two per recorded bedroom.
Running the house comes with its own list. An absentee landlord, one who doesn't live on the property or lives outside Orange County, must name a resident agent, a person who lives in the county and can respond to the rental within one hour of the town's notice; the renewal form also asks where the owner lives while guests are in the house. The permit number must appear conspicuously in every advertisement, and renewal asks for a screenshot to prove it. Inside the house go the permit, near the front entrance, the town's noise ordinance, a safety and exit plan (also on the back of each rented bedroom door), a property map warning guests off the neighbors' land and the trash schedule; trash and recycling go out no earlier than 5 p.m. the evening before pickup, and weddings, parties, concerts and other events are prohibited, as are overnight guests who aren't on the rental contract. Cars parked between 1 a.m. and 6 a.m. count as evidence the house is occupied. The 2023 law set fines of $500 a day for a first offense and $750 a day after that for renting without a permit; the 2024 amendment moved fine amounts to a Town Board resolution, added suspensions of up to 60 days with a $500 non-refundable administrative fee, barred renting during an appeal, and kept the rule, in the chapter since 2022, that a landlord is a natural person rather than a corporation or LLC, even as its registration section asks business owners for a tax ID, so an owner holding the house in an LLC should ask the Building Department how to register. The chapter has moved fast: Local Law 1 of 2022 added the two-permit cap and the event ban, and the Town Board called a public hearing for October 27, 2022, on a six-month moratorium on reviewing permit applications before it rewrote the chapter in 2023.
The three villages keep their own codes, so the first question for any house is which government it sits under. The Village of Greenwood Lake adopted Chapter 116, Article II, on March 26, 2018: a permit from the Building Inspector, an inspection before it's granted, a one-year term with renewal 30 days before expiration, a certificate of occupancy, a compliant septic system with no cesspools, $1,000,000 in liability insurance, no more than three adults per bedroom, an agent living in Orange County for any non-resident owner, no short-term renting by tenants, the same 5 p.m. trash rule, and a permit that becomes void when title transfers; permit fees and fines are set by board resolution. The Village of Warwick now runs its own permit under Chapter 115, Short-Term Rental Property, which went to a public hearing on October 21, 2024, as proposed Local Law 7 of 2024; the village posts the chapter, a 2025 application and renewal packet, and a fee schedule listing a $500 inspection and permit fee and a $300 renewal fee, both effective May 5, 2025. The packet says only owner-occupied homes can rent short term, meaning the record owner or a registered agent lives there at least six months of the calendar year, though nobody has to be home during a stay; in the Central Business district a house can rent without that if its registered agent can reach the property within 30 minutes of notice. A village permit lasts two years and is issued only after the Building Inspector passes the house; the packet also asks for a certificate of occupancy (or a letter that the house predates 1973), a survey showing the parking, floor plans drawn to scale and $1,000,000 in homeowner's liability coverage with a rental endorsement, and it limits occupancy to two per legal bedroom. We couldn't open the chapter's text itself, so confirm the details with the Village Building Department. For the Village of Florida, the parts of its code we could open showed no short-term rental chapter; check with its Building and Planning office. Lake and road associations may add rules of their own. Use this section to get your bearings; it isn't legal advice. Before you list, check the current rules with the town or village, the Department of State, the Department of Taxation and Finance and any association. Cavmir handles the marketing side, and permits, inspections and tax filings remain the owner's job, done with local professionals.