Best ZIP Codes for Cash Flow in Champaign-Urbana, IL (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 | 61821 | Champaign, IL | $208,299 | $1,520 | 5.69% | 6.9% |
| 2 | 61882 | Weldon, IL | $138,168 | $972 | 5.49% | — |
| 3 | 61818 | Cerro Gordo, IL | $150,282 | $1,008 | 5.23% | 4.6% |
| 4 | 61913 | Atwood, IL | $131,679 | $882 | 5.22% | 5.5% |
| 5 | 61820 | Champaign, IL | $185,566 | $1,226 | 5.15% | 6.9% |
| 6 | 61929 | Hammond, IL | $138,937 | $882 | 4.95% | 7.8% |
| 7 | 61801 | Urbana, IL | $195,072 | $1,226 | 4.90% | 6.5% |
| 8 | 61956 | Villa Grove, IL | $140,738 | $882 | 4.89% | 8.2% |
| 9 | 61866 | Rantoul, IL | $143,931 | $853 | 4.62% | 7.7% |
| 10 | 61802 | Urbana, IL | $226,109 | $1,312 | 4.53% | 7.2% |
| 11 | 60957 | Paxton, IL | $159,012 | $918 | 4.50% | 6.1% |
| 12 | 61839 | De Land, IL | $157,538 | $882 | 4.37% | — |
| 13 | 61878 | Thomasboro, IL | $157,415 | $882 | 4.37% | 7.2% |
| 14 | 61822 | Champaign, IL | $335,927 | $1,795 | 4.17% | 6.1% |
| 15 | 61830 | Cisco, IL | $191,998 | $1,017 | 4.13% | — |
| 16 | 61859 | Ogden, IL | $224,157 | $1,188 | 4.13% | 7.6% |
| 17 | 61813 | Bement, IL | $173,376 | $882 | 3.97% | 5.0% |
| 18 | 61853 | Mahomet, IL | $353,732 | $1,781 | 3.93% | 5.5% |
| 19 | 61849 | Homer, IL | $192,027 | $936 | 3.80% | 5.9% |
| 20 | 61877 | Sidney, IL | $237,682 | $1,107 | 3.63% | 6.4% |
| 21 | 61854 | Mansfield, IL | $226,820 | $1,053 | 3.62% | 5.7% |
| 22 | 61872 | Sadorus, IL | $203,905 | $918 | 3.51% | 7.0% |
| 23 | 61880 | Tolono, IL | $255,826 | $1,113 | 3.39% | 7.0% |
| 24 | 61874 | Savoy, IL | $362,031 | $1,505 | 3.24% | 6.1% |
| 25 | 61863 | Pesotum, IL | $215,463 | $882 | 3.19% | 7.0% |
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 →
Same metro, different strategy
Appreciation in Champaign-Urbana, IL · Affordable in Champaign-Urbana, IL
Or see the full Champaign-Urbana, IL metro profile.