Best ZIP Codes for Cash Flow in Brainerd, MN (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 56479 Staples, MN $225,182 $1,053 3.65% 7.0%
2 56455 Ironton, MN $273,190 $1,116 3.19% 4.4%
3 56633 Cass Lake, MN $241,801 $954 3.08% 5.4%
4 56450 Garrison, MN $276,648 $1,071 3.02% 5.6%
5 56447 Emily, MN $388,928 $1,458 2.92% 6.9%
6 56466 Motley, MN $267,748 $873 2.54% 6.9%
7 56641 Federal Dam, MN $273,913 $891 2.54% 7.5%
8 56425 Baxter, MN $375,339 $1,199 2.49% 5.3%
9 56433 Akeley, MN $299,093 $945 2.46% 6.0%
10 56401 Brainerd, MN $330,731 $1,040 2.45% 5.7%
11 56435 Backus, MN $297,312 $909 2.38% 7.8%
12 56474 Pine River, MN $289,885 $873 2.35% 6.8%
13 56662 Outing, MN $392,746 $1,143 2.27% 7.6%
14 56449 Fort Ripley, MN $407,055 $1,143 2.19% 6.5%
15 56473 Pillager, MN $339,590 $891 2.05% 7.4%
16 56484 Walker, MN $366,851 $891 1.89% 6.2%
17 56448 Fifty Lakes, MN $460,313 $1,071 1.81% 6.8%
18 56655 Longville, MN $382,601 $873 1.78% 6.7%
19 56452 Hackensack, MN $396,512 $873 1.72% 7.0%
20 56444 Deerwood, MN $438,634 $918 1.63% 5.7%
21 56465 Merrifield, MN $465,252 $972 1.63% 6.6%
22 56472 Pequot Lakes, MN $425,122 $891 1.63% 6.0%
23 56468 Nisswa, MN $624,066 $1,053 1.32% 5.8%
24 56442 Crosslake, MN $606,815 $1,008 1.30% 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 →

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Appreciation in Brainerd, MN  ·  Affordable in Brainerd, MN

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