Best ZIP Codes for Cash Flow in Boston-Cambridge-Newton, MA-NH (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 01840 Lawrence, MA $393,089 $2,389 4.74% 7.4%
2 03087 Windham, NH $811,694 $4,800 4.61% 6.0%
3 01474 Townsend, MA $522,869 $2,943 4.39% 6.1%
4 02302 Brockton, MA $504,853 $2,750 4.25% 4.7%
5 02119 Boston, MA $659,364 $3,388 4.01% 2.4%
6 02126 Boston, MA $608,161 $3,092 3.97% 3.2%
7 02125 Boston, MA $664,349 $3,360 3.95% 1.5%
8 03867 Rochester, NH $407,200 $2,041 3.91% 8.1%
9 02150 Chelsea, MA $531,989 $2,641 3.87% 3.1%
10 03044 Fremont, NH $549,730 $2,718 3.86% 6.3%
11 03869 Rollinsford, NH $530,028 $2,625 3.86% 7.0%
12 01850 Lowell, MA $456,007 $2,242 3.83% 5.6%
13 02121 Boston, MA $659,643 $3,223 3.81% 2.9%
14 02215 Boston, MA $702,388 $3,414 3.79% 1.6%
15 01854 Lowell, MA $487,043 $2,352 3.77% 5.5%
16 02114 Boston, MA $740,281 $3,583 3.77% 0.9%
17 02538 Wareham, MA $478,535 $2,304 3.76% 5.5%
18 02128 Boston, MA $668,461 $3,189 3.72% 2.1%
19 02571 Wareham, MA $482,664 $2,304 3.72% 5.3%
20 01431 Ashby, MA $491,383 $2,304 3.66% 5.3%
21 02019 Bellingham, MA $548,481 $2,571 3.66% 4.9%
22 01863 Chelmsford, MA $564,042 $2,640 3.65% 6.1%
23 02382 Whitman, MA $559,145 $2,615 3.65% 4.8%
24 01718 Acton, MA $505,005 $2,358 3.64% 5.8%
25 02135 Boston, MA $657,016 $3,064 3.64% 1.0%

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 →

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Appreciation in Boston-Cambridge-Newton, MA-NH  ·  Affordable in Boston-Cambridge-Newton, MA-NH

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