Best ZIP Codes for Cash Flow in Bloomington, IN (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 47471 Worthington, IN $171,187 $864 3.94% 6.4%
2 47404 Bloomington, IN $317,607 $1,529 3.75% 5.0%
3 47868 Poland, IN $200,357 $918 3.57% 5.9%
4 47403 Bloomington, IN $281,490 $1,275 3.53% 4.8%
5 47408 Bloomington, IN $348,249 $1,540 3.45% 4.8%
6 47401 Bloomington, IN $355,911 $1,504 3.30% 4.2%
7 47427 Coal City, IN $206,367 $864 3.27% 6.4%
8 47433 Gosport, IN $250,195 $990 3.09% 6.5%
9 47460 Spencer, IN $256,804 $999 3.03% 6.3%
10 47431 Spencer, IN $235,837 $864 2.86% 4.5%
11 47456 Quincy, IN $276,826 $990 2.79% 5.9%
12 47429 Ellettsville, IN $281,620 $999 2.77% 4.8%
13 47468 Unionville, IN $374,596 $1,098 2.29% 5.3%

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 Bloomington, IN  ·  Affordable in Bloomington, IN

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