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View PropertiesAs of Apr, 27 2026
Rabbu ROI Score
Stone Harbor presents a competitive opportunity: investor interest and demand are strong, but higher prices or tighter competition may require more selective deal sourcing.
Stone Harbor, NJ is a premium shore market where high property values and extreme seasonality shape the investment landscape. With an average daily rate of $562—well above New Jersey's $430 state average—and annual revenue averaging $108,912 across just 13 active listings, the market rewards hosts who can capture peak summer demand. However, an average home value near $4.6 million means the revenue-to-price ratio is tight, making careful deal sourcing essential for investors looking to achieve meaningful returns.
According to Rabbu market data, the Stone Harbor short-term rental market shows:
| Metric | Context | Value |
|---|---|---|
| Active Airbnb Listings | As of Apr, 27 2026 | 13 |
| Average Daily Rate (ADR) | vs. $430 state avg. | $562 |
| Average Occupancy Rate | vs. 34% state avg. | 8% |
| RevPAN | ADR * Occupancy Rate | $44 |
| Average Monthly Revenue | Historical 12-month average | $9,076 |
| Average Annual Revenue | Historical 12-month average | $108,912 |
Data sources: Rabbu proprietary analytics as of Apr, 27 2026 and Zillow Home Value Index (ZHVI) as of Apr, 27 2026.
Investors are drawn to Stone Harbor for its ultra-premium nightly rates, limited supply, and strong summer demand along the Jersey Shore, though elevated home prices demand disciplined underwriting.
Key investment factors
"Stone Harbor represents a competitive but concentrated opportunity: the luxury positioning and limited supply create favorable conditions for hosts who price effectively during the summer surge. Revenue swings dramatically from a low of roughly $1,389 in January to nearly $28,478 in August, underscoring the market's intense seasonality. This compressed earning window, combined with average home prices around $4.6 million, places the ROI score at 39 out of 100—reflecting real but challenging return potential that demands selective deal sourcing and a tolerance for seasonal cash-flow volatility."
— Rabbu Market Analysis Team
Stone Harbor's seasonality is dramatic: August leads at $28,478 in average revenue, while January bottoms out at $1,389—a roughly 20x spread. The core earning window of June through August accounts for the vast majority of annual income, making summer pricing strategy the single biggest lever for investor returns.
| Month | Trend | Revenue |
|---|---|---|
| January |
|
$1,389 |
| February |
|
$1,857 |
| March |
|
$3,024 |
| April |
|
$4,262 |
| May |
|
$7,938 |
| June |
|
$15,397 |
| July |
|
$27,352 |
| August |
|
$28,478 |
| September |
|
$10,095 |
| October |
|
$4,120 |
| November |
|
$2,664 |
| December |
|
$2,330 |
Property size breakdowns are not currently available for Stone Harbor's 13 active listings. With such a small total inventory, investors should conduct individual competitive analysis to understand which bedroom counts are represented and where gaps may exist.
| Size | Trend | Value |
|---|
ADR data by property size is not available for this market at this time. Given the overall market ADR of $562, larger or more premium properties in Stone Harbor likely command significantly higher nightly rates, but specific size-based pricing should be validated through comparable listing research.
| Size | Trend | Value |
|---|
RevPAN breakdowns by property size are not currently available for Stone Harbor. The market-wide RevPAN of $44 reflects the low off-season occupancy pulling down the annual average, despite strong summer nightly rates.
| Size | Trend | Value |
|---|
Occupancy data by bedroom count is not available for this market. The overall 8% average occupancy rate reflects the extreme seasonality of a Jersey Shore beach community, where winter months see very little booking activity.
| Size | Trend | Value |
|---|
Monthly revenue data segmented by property size is not available for Stone Harbor. Investors should evaluate individual comps, as revenue differences between smaller and larger homes in a luxury beach market like this can be substantial.
| Size | Trend | Value |
|---|
Annual revenue by property size is not currently broken out for this market. The market-wide average of $108,912 serves as a baseline, but larger beachfront homes with premium amenities likely outperform this figure meaningfully.
| Size | Trend | Value |
|---|
Every active listing in Stone Harbor offers a kitchen, parking, and washer—table-stakes amenities for family beach vacationers. Outdoor-focused extras like patios (77%), BBQ grills (69%), and pools (46%) are common differentiators, signaling that guests expect a full resort-style experience, and listings without these features may struggle to compete on rate.
| Amenity | Trend | Value |
|---|---|---|
| Kitchen |
|
100% |
| Parking |
|
100% |
| Washer |
|
100% |
| Dryer |
|
92% |
| Patio or Balcony |
|
77% |
| BBQ Grill |
|
69% |
| Outdoor Furniture |
|
69% |
| Self Check-in |
|
69% |
| Backyard |
|
62% |
| Workspace |
|
54% |
| Beach Access |
|
46% |
| Pool |
|
46% |
| Pets |
|
39% |
| Waterfront |
|
23% |
Rabbu's ROI Score is a proprietary metric that evaluates short-term rental investment potential based on multiple factors.
| Factor | Stone Harbor Performance | Weight |
|---|---|---|
| Revenue-to-Price Ratio | Below average | 40% |
| Occupancy Stability | Average | 30% |
| Market Growth Trend | Below average | 15% |
| Supply/Demand Balance | Above average | 15% |
Stone Harbor's ROI Score of 39 out of 100 places it in the 'Competitive Opportunity' band, where strong demand and premium rates are counterbalanced by a below-average revenue-to-price ratio driven by home values near $4.6 million. Occupancy stability scores average, reflecting the reliable but narrow summer booking window, while the above-average supply/demand balance highlights that the market isn't yet oversaturated. Investors should pair these metrics with thorough local regulatory research and realistic cash-flow modeling that accounts for the off-season lull.
Understanding local STR regulations is essential before investing in Stone Harbor. Here's the current regulatory landscape:
Short-term rental operators in Stone Harbor, New Jersey may be required to obtain a local rental permit or register their property with the borough before listing. Investors should verify current requirements directly with Stone Harbor's municipal offices and the State of New Jersey, as rules can change.
Common restrictions in New Jersey shore communities can include occupancy limits, minimum stay requirements, noise ordinances, and parking mandates. HOA or community association rules may impose additional limitations, and some municipalities cap the number of STR permits issued—so it's worth confirming availability before closing on a property.
Short-term rental hosts in New Jersey are typically subject to state sales tax and local occupancy or tourism taxes. Major platforms often collect and remit these taxes on behalf of hosts, but operators should confirm their specific obligations with a tax professional familiar with New Jersey STR regulations.
Regulations subject to change. Always verify with local authorities before purchasing. A Rabbu partner agent specializing in Stone Harbor can provide current regulatory guidance.
Financing an Airbnb investment in Stone Harbor requires lenders who understand STR income. Rabbu partner lenders offer:
"Over the next 12–18 months, Stone Harbor's summer-driven revenue engine is expected to remain robust, with June through August likely continuing to generate the lion's share of annual income. The 163% year-over-year growth in active listings signals rising investor interest, which could moderate per-listing performance if supply outpaces demand. ADR may hold steady or see modest 1–3% increases given the market's luxury positioning, while occupancy outside the peak summer window is likely to stay in the single digits. Investors should plan conservatively for shoulder and off-season months and budget for the reality that most cash flow arrives in a narrow summer window."
— Rabbu Market Analysis Team
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.
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. Data reflects trailing 12-month averages and may not capture very recent market shifts or regulatory changes. Local regulations, HOA rules, and tax obligations should be independently verified before making investment decisions.
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