Mercersburg, PA Airbnb Market Data, Statistics, and Occupancy Rates

As of Apr, 27 2026

Rabbu ROI Score

59 / 100

Mercersburg offers attractive short-term rental potential, with a balance of healthy demand and revenue relative to property values.

Mercersburg Short-Term Rental Market Overview

Mercersburg, PA presents an attractive niche opportunity for short-term rental investors, earning an ROI score of 59 out of 100. With just 44 active Airbnb listings and an average annual revenue of $23,030, this small Pennsylvania market offers relatively low competition alongside average daily rates of $339 — just below the $350 state average. Occupancy sits at 43%, comfortably above the state average of 36%, and the market has seen notable 88% year-over-year listing growth, signaling rising investor interest.

Key Market Statistics

According to Rabbu market data, the Mercersburg short-term rental market shows:

Key Airbnb and short-term rental market statistics.
Metric Context Value
Active Airbnb Listings As of Apr, 27 2026 44
Average Daily Rate (ADR) vs. $350 state avg. $339
Average Occupancy Rate vs. 36% state avg. 43%
RevPAN ADR * Occupancy Rate $147
Average Monthly Revenue Historical 12-month average $1,919
Average Annual Revenue Historical 12-month average $23,030

Data sources: Rabbu proprietary analytics as of Apr, 27 2026 and Zillow Home Value Index (ZHVI) as of Apr, 27 2026.

Why Investors Consider Mercersburg

Mercersburg appeals to investors seeking a low-competition rural market with favorable revenue-to-price dynamics and occupancy that exceeds the Pennsylvania state average.

Key investment factors

  • Small supply of only 44 active listings creates less direct competition than urban markets
  • Occupancy rate of 43% outperforms the 36% Pennsylvania state average, indicating solid demand
  • 88% year-over-year listing growth signals expanding market recognition and investor confidence
  • 4-bedroom properties command $46,447 in annual revenue, offering strong upside for larger homes
  • Rural and recreational appeal — 61% of listings feature hot tubs and 27% offer ski-in/ski-out access

Expert Market Assessment

"Mercersburg represents a moderately attractive STR opportunity, best suited for investors comfortable with a smaller, seasonal market that rewards strategic property selection. The revenue spread between April ($1,270) and July ($2,736) reveals meaningful seasonality — roughly a 2:1 swing — so accurate cash-flow modeling across all twelve months is essential. Larger properties, particularly 4-bedroom homes averaging $3,870 per month, significantly outperform smaller units in absolute revenue, though 3-bedroom listings achieve the highest occupancy at 54%. With average home values around $465,058 and revenue-to-price ratios rated as average, investors should focus on operational efficiency and amenity differentiation to maximize returns."

— Rabbu Market Analysis Team

Understanding Mercersburg's ROI Score: 59/100

Rabbu's ROI Score is a proprietary metric that evaluates short-term rental investment potential based on multiple factors.

How the ROI Score is Calculated

Factor Mercersburg Performance Weight
Revenue-to-Price Ratio Average 40%
Occupancy Stability Below average 30%
Market Growth Trend Above average 15%
Supply/Demand Balance Average 15%

What This Means for Investors

Mercersburg's ROI score of 59 out of 100 places it in the Attractive Opportunity band, reflecting a market with decent revenue-to-price fundamentals and above-average growth momentum, tempered by below-average occupancy stability. The average revenue-to-price ratio and balanced supply/demand dynamics suggest the market isn't overheated, but the seasonal occupancy swings mean investors need to budget for lean months. Pairing these data points with thorough local regulatory research and a conservative cash-flow model will give the clearest picture of whether a Mercersburg STR fits your portfolio.

Short-Term Rental Regulations in Mercersburg

Understanding local STR regulations is essential before investing in Mercersburg. Here's the current regulatory landscape:

Permit Requirements

Short-term rental operators in Mercersburg, Pennsylvania may need to obtain local permits or register their property with the borough and comply with state-level requirements. Investors should verify current permit and licensing obligations directly with Mercersburg borough authorities and the Pennsylvania Department of Revenue before listing a property.

Key Restrictions

Common restrictions that may apply to STR properties in the area include occupancy limits, minimum stay requirements, noise ordinances, and parking mandates. HOA rules can add additional constraints for properties in managed communities, and some jurisdictions impose caps on the number of permitted short-term rentals in a given area.

Tax Obligations

Short-term rental hosts in Pennsylvania are generally subject to state sales tax and local hotel occupancy taxes. Platforms like Airbnb often collect and remit some of these taxes on behalf of hosts, but operators should confirm their full tax obligations with a local tax professional.

Regulations subject to change. Always verify with local authorities before purchasing. A Rabbu partner agent specializing in Mercersburg can provide current regulatory guidance.

Short-Term Rental Financing for Mercersburg

Financing an Airbnb investment in Mercersburg requires lenders who understand STR income. Rabbu partner lenders offer:

  • DSCR Loans: Qualify based on property income, not personal income
  • Low Down Payment: As low as 10–15% for investment properties
  • Fast Closing: 21–30 day average close times
  • STR Experience: Lenders who understand vacation rental underwriting
Connect with a Mercersburg Lender →

Future Outlook & Long-Term Forecast

"Mercersburg's above-average market growth trend suggests continued investor interest over the next 12–18 months, though the rapid 88% year-over-year increase in listings means newcomers should monitor supply closely. Seasonal patterns indicate July will remain the revenue peak, while April marks the softest period — investors can expect occupancy to hover in the 40–55% range depending on property size and time of year. ADR may see modest increases of 1–3% if demand keeps pace with supply expansion, but operators who differentiate through amenities like hot tubs and pools will likely outperform. Overall, the market's trajectory points toward gradual maturation rather than explosive growth."

— Rabbu Market Analysis Team

Frequently asked questions about Airbnb in Mercersburg, PA

What is the average Airbnb occupancy rate in Mercersburg?
The average Airbnb occupancy rate in Mercersburg is currently 43%, which outperforms the Pennsylvania state average of 36%. Occupancy varies by property size, with 3-bedroom listings leading at 54% and 4-bedroom properties at the lower end with 31%. Seasonal demand fluctuations also affect occupancy, so investors should plan for softer months like March and April.
How much do Airbnb hosts make in Mercersburg?
Airbnb hosts in Mercersburg earn an average of $1,919 per month and $23,030 per year based on trailing 12-month booking data. Revenue varies significantly by property size — 4-bedroom listings average $3,870 monthly ($46,447 annually), while 2-bedroom properties bring in roughly $1,622 per month ($19,475 annually). Peak earning months like July can see revenues reach $2,736.
Is Mercersburg a good market for Airbnb investment?
Mercersburg earns a Rabbu ROI score of 59 out of 100, classified as an Attractive Opportunity. The market benefits from above-average occupancy compared to the state, above-average growth trends, and a manageable competitive landscape of just 44 active listings. However, occupancy stability is rated below average, so investors should plan conservatively for seasonal revenue swings and consider larger properties for stronger returns.
What is the average daily rate (ADR) for Airbnb in Mercersburg?
The average daily rate in Mercersburg is $339, slightly below the Pennsylvania state average of $350. ADR varies considerably by property size: 4-bedroom listings command the highest rates at $535 per night, while 2-bedroom properties average $236. One-bedroom units are priced at $341 and 3-bedrooms at $328, showing that rate premiums don't scale linearly — larger homes capture the biggest pricing advantage.
Are short-term rentals legal in Mercersburg?
Short-term rentals operate in Mercersburg, PA, with 44 active Airbnb listings currently in the market. However, local and state regulations, including permit requirements, zoning restrictions, and tax obligations, may apply. Investors should consult directly with Mercersburg borough officials and Pennsylvania state agencies to confirm compliance requirements before launching an STR property.
When is peak season for Airbnb in Mercersburg?
Peak season in Mercersburg is July, when average monthly revenue reaches $2,736. The summer months from June through August are the strongest overall earning period, with January and February also performing well at $2,250 and $2,048 respectively — likely driven by winter recreational visitors. April is the softest month at $1,270 in average revenue.
How many Airbnbs are there in Mercersburg?
There are currently 44 active Airbnb listings in Mercersburg as of April 2026. The market has experienced significant growth, with an 88% year-over-year increase in active listings. Supply is evenly distributed between 1-bedroom (12 listings) and 2-bedroom (12 listings) properties, with 9 three-bedroom and 7 four-bedroom units rounding out the inventory.
How is Airbnb revenue calculated in Mercersburg?
The annual and monthly revenue figures for Mercersburg are derived from the trailing 12 months of historical booking performance for active comparable Airbnb listings in the market — they are not forward-looking projections. Rabbu averages each comparable listing's actual revenue per available night (RevPAN) by month over the past year, removes regional outliers, and rolls the results up to a market-level historical average. This approach anchors the figures to what hosts have actually earned recently while naturally reflecting seasonal peaks and slower months, since each month uses its own historical performance data. Individual results can vary based on property quality, pricing strategy, and operational management.

About Rabbu Market Data

Rabbu provides Airbnb and short-term rental market data and statistics across the United States. Our mission is to empower investors with accurate insights and easy-to-use tools, so they can confidently identify and act on the best opportunities in the Airbnb market.

What this data includes

  • Regularly updated active Airbnb and STR listing counts for Mercersburg and surrounding areas
  • Average daily rate, occupancy, and RevPAN metrics with state-level benchmarks
  • Monthly and annual revenue trends based on trailing 12-month booking data
  • Property size breakdowns for listings, rates, occupancy, and revenue
  • Home value data sourced from the Zillow Home Value Index (ZHVI)

Sources and disclaimers

Rabbu proprietary analytics as of Apr, 27 2026 and Zillow Home Value Index (ZHVI) as of Apr, 27 2026. Revenue projections are estimates based on comparable properties and do not guarantee future performance. Local regulations, permit requirements, and tax obligations may change; investors should verify current rules with Mercersburg and Pennsylvania authorities. Individual property results will vary based on location, condition, amenities, pricing strategy, and management quality.

Next Steps

Ready to invest in Mercersburg's short-term rental market? Take action with these resources:

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