Best ZIP Codes for Cash Flow in Binghamton, NY (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 | 13850 | Vestal, NY | $264,189 | $2,044 | 6.04% | 9.0% |
| 2 | 13790 | Johnson City, NY | $171,136 | $1,280 | 5.84% | 9.4% |
| 3 | 13904 | Binghamton, NY | $165,429 | $1,200 | 5.66% | 8.1% |
| 4 | 13736 | Berkshire, NY | $196,139 | $1,386 | 5.51% | 4.9% |
| 5 | 13905 | Binghamton, NY | $194,251 | $1,340 | 5.38% | 8.6% |
| 6 | 13864 | Willseyville, NY | $206,567 | $1,386 | 5.23% | 6.1% |
| 7 | 13903 | Binghamton, NY | $191,900 | $1,279 | 5.20% | 7.7% |
| 8 | 14892 | Waverly, NY | $173,266 | $1,138 | 5.12% | 4.0% |
| 9 | 14859 | Lockwood, NY | $190,819 | $1,251 | 5.11% | 4.3% |
| 10 | 13812 | Nichols, NY | $179,927 | $1,152 | 4.99% | 5.5% |
| 11 | 14883 | Spencer, NY | $226,720 | $1,386 | 4.77% | 6.8% |
| 12 | 13901 | Binghamton, NY | $208,139 | $1,271 | 4.76% | 7.8% |
| 13 | 13833 | Port Crane, NY | $208,734 | $1,179 | 4.41% | 6.8% |
| 14 | 13730 | Afton, NY | $175,024 | $963 | 4.29% | 7.4% |
| 15 | 13835 | Richford, NY | $193,574 | $1,053 | 4.24% | 6.5% |
| 16 | 13760 | Endicott, NY | $216,825 | $1,172 | 4.21% | 8.7% |
| 17 | 13795 | Kirkwood, NY | $191,037 | $1,008 | 4.12% | 6.7% |
| 18 | 13734 | Barton, NY | $205,195 | $1,053 | 4.00% | 5.5% |
| 19 | 13754 | Deposit, NY | $188,786 | $963 | 3.98% | 6.2% |
| 20 | 13813 | Nineveh, NY | $193,653 | $963 | 3.88% | 5.7% |
| 21 | 13865 | Windsor, NY | $193,661 | $963 | 3.88% | 7.0% |
| 22 | 13787 | Harpursville, NY | $195,660 | $963 | 3.84% | 6.9% |
| 23 | 13811 | Newark Valley, NY | $204,741 | $1,008 | 3.84% | 6.6% |
| 24 | 13797 | Lisle, NY | $197,319 | $963 | 3.81% | 6.7% |
| 25 | 13748 | Conklin, NY | $197,935 | $963 | 3.79% | 7.7% |
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 Binghamton, NY · Affordable in Binghamton, NY
Or see the full Binghamton, NY metro profile.