Most Affordable ZIP Codes in Lima, OH (2026)
The lowest entry prices that still hold a decent investability rating — cheap is only useful if the market underneath it is sound.
| # | ZIP | City | Home value | Rent | Cap rate | 5-yr growth |
|---|---|---|---|---|---|---|
| 1 | 45804 1% rule | Lima, OH | $80,985 | $1,000 | 9.63% | 2.2% |
| 2 | 45808 | Beaverdam, OH | $124,247 | $1,062 | 6.67% | 3.8% |
| 3 | 45801 | Lima, OH | $143,431 | $1,134 | 6.17% | 5.5% |
| 4 | 45820 | Cairo, OH | $146,305 | $918 | 4.89% | 5.7% |
| 5 | 45805 | Lima, OH | $197,879 | $1,354 | 5.34% | 6.5% |
| 6 | 45887 | Spencerville, OH | $205,299 | $927 | 3.52% | 5.8% |
| 7 | 45806 | Fort Shawnee, OH | $241,035 | $1,044 | 3.38% | 6.5% |
| 8 | 45850 | Harrod, OH | $247,500 | $990 | 3.12% | 6.7% |
| 9 | 45830 | Columbus Grove, OH | $248,433 | $1,008 | 3.16% | 6.6% |
| 10 | 45817 | Bluffton, OH | $280,014 | $936 | 2.61% | 5.6% |
Ranked from Repit’s own ZIP-level data — Zillow home values and rents, HUD fair-market rents where Zillow has no coverage, and U.S. Census vacancy. Cap rate is gross: annual rent over purchase price, before financing and expenses. Every ZIP above links to its full free page. How we calculate this →
Same metro, different strategy
Cash Flow in Lima, OH · Appreciation in Lima, OH
Or see the full Lima, OH metro profile.