Best ZIP Codes for Cash Flow in Charlotte-Concord-Gastonia, NC-SC (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 | 28119 1% rule | Morven, NC | $102,422 | $1,206 | 9.18% | 1.9% |
| 2 | 29031 | Carlisle, SC | $105,692 | $1,053 | 7.77% | -0.5% |
| 3 | 28091 | Lilesville, NC | $107,970 | $999 | 7.22% | 1.3% |
| 4 | 28170 | Wadesboro, NC | $128,711 | $999 | 6.05% | 3.6% |
| 5 | 29055 | Great Falls, SC | $143,190 | $1,053 | 5.74% | 9.0% |
| 6 | 28144 | Salisbury, NC | $234,972 | $1,522 | 5.05% | 5.3% |
| 7 | 28052 | Gastonia, NC | $216,394 | $1,396 | 5.03% | 5.4% |
| 8 | 28034 | Dallas, NC | $287,676 | $1,853 | 5.02% | 5.5% |
| 9 | 28625 | Statesville, NC | $312,932 | $1,896 | 4.73% | 5.9% |
| 10 | 28083 | Kannapolis, NC | $270,127 | $1,634 | 4.72% | 5.6% |
| 11 | 28032 | Cramerton, NC | $308,180 | $1,850 | 4.68% | 6.0% |
| 12 | 28056 | Gastonia, NC | $354,363 | $2,113 | 4.65% | 5.5% |
| 13 | 28112 | Monroe, NC | $358,382 | $2,128 | 4.63% | 5.8% |
| 14 | 28214 | Charlotte, NC | $338,080 | $2,003 | 4.62% | 4.9% |
| 15 | 28135 | Polkton, NC | $188,021 | $1,107 | 4.59% | 6.2% |
| 16 | 28215 | Charlotte, NC | $350,983 | $2,059 | 4.58% | 4.7% |
| 17 | 28164 | Stanley, NC | $369,636 | $2,154 | 4.54% | 6.0% |
| 18 | 28134 | Pineville, NC | $423,084 | $2,436 | 4.49% | 5.1% |
| 19 | 28016 | Bessemer City, NC | $242,809 | $1,366 | 4.39% | 6.6% |
| 20 | 28159 | Spencer, NC | $206,086 | $1,161 | 4.39% | 6.0% |
| 21 | 28081 | Kannapolis, NC | $298,292 | $1,662 | 4.35% | 4.9% |
| 22 | 28023 | China Grove, NC | $296,498 | $1,643 | 4.32% | 5.7% |
| 23 | 28208 | Charlotte, NC | $300,331 | $1,643 | 4.27% | 4.0% |
| 24 | 28216 | Charlotte, NC | $321,341 | $1,750 | 4.25% | 4.5% |
| 25 | 28677 | Statesville, NC | $283,657 | $1,537 | 4.23% | 5.6% |
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 Charlotte-Concord-Gastonia, NC-SC · Affordable in Charlotte-Concord-Gastonia, NC-SC
Or see the full Charlotte-Concord-Gastonia, NC-SC metro profile.