Best ZIP Codes for Cash Flow in Bay City, MI (2026)
Ranked by cap rate — the annual return on the purchase price before financing. ZIPs that also clear the 1% rule are marked.
| # | ZIP | City | Home value | Rent | Cap rate | 5-yr growth |
|---|---|---|---|---|---|---|
| 1 | 48708 | Bay City, MI | $139,711 | $1,044 | 5.83% | 7.4% |
| 2 | 48613 | Bentley, MI | $204,653 | $1,170 | 4.46% | 6.6% |
| 3 | 48706 | Bangor Township, MI | $193,712 | $1,069 | 4.30% | 7.4% |
| 4 | 48652 | Rhodes, MI | $223,005 | $1,197 | 4.19% | 6.2% |
| 5 | 48732 | Hampton, MI | $213,091 | $1,039 | 3.80% | 5.7% |
| 6 | 48650 | Pinconning, MI | $192,951 | $909 | 3.67% | 6.6% |
| 7 | 48634 | Linwood, MI | $214,749 | $927 | 3.37% | 7.3% |
| 8 | 48611 | Auburn, MI | $241,153 | $918 | 2.97% | 7.5% |
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
Appreciation in Bay City, MI · Affordable in Bay City, MI
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