Best ZIP Codes for Cash Flow in Cincinnati, OH-KY-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 | 45204 1% rule | Cincinnati, OH | $126,120 | $1,439 | 8.90% | 4.9% |
| 2 | 41074 1% rule | Dayton, KY | $200,330 | $2,037 | 7.93% | 2.8% |
| 3 | 45225 1% rule | Cincinnati, OH | $116,464 | $1,178 | 7.89% | 7.8% |
| 4 | 45216 | Cincinnati, OH | $157,288 | $1,535 | 7.61% | 5.0% |
| 5 | 45214 | Cincinnati, OH | $134,703 | $1,293 | 7.48% | 8.0% |
| 6 | 45205 | Cincinnati, OH | $139,511 | $1,286 | 7.19% | 3.7% |
| 7 | 45207 | Cincinnati, OH | $222,898 | $1,995 | 6.98% | 5.6% |
| 8 | 45015 | Hamilton, OH | $181,825 | $1,428 | 6.13% | 6.2% |
| 9 | 41016 | Ludlow, KY | $202,463 | $1,523 | 5.87% | 5.4% |
| 10 | 45067 | Trenton, OH | $278,294 | $2,071 | 5.80% | 6.2% |
| 11 | 41014 | Covington, KY | $179,589 | $1,330 | 5.78% | 5.6% |
| 12 | 45246 | Springdale, OH | $251,290 | $1,820 | 5.65% | 5.5% |
| 13 | 45231 | Cincinnati, OH | $217,645 | $1,566 | 5.61% | 5.3% |
| 14 | 45001 | Addyston, OH | $133,930 | $936 | 5.45% | 6.1% |
| 15 | 45251 | Cincinnati, OH | $222,773 | $1,545 | 5.41% | 5.7% |
| 16 | 41071 | Newport, KY | $232,491 | $1,557 | 5.22% | 4.7% |
| 17 | 45240 | Forest Park, OH | $248,846 | $1,618 | 5.07% | 5.8% |
| 18 | 41046 | Glencoe, KY | $189,747 | $1,224 | 5.03% | 4.0% |
| 19 | 41005 | Burlington, KY | $330,903 | $2,109 | 4.97% | 4.7% |
| 20 | 45050 | Middletown, OH | $357,871 | $2,278 | 4.96% | 6.6% |
| 21 | 45236 | Deer Park, OH | $289,824 | $1,833 | 4.93% | 5.7% |
| 22 | 45239 | Cincinnati, OH | $212,751 | $1,328 | 4.87% | 5.9% |
| 23 | 41051 | Independence, KY | $338,115 | $2,091 | 4.82% | 5.4% |
| 24 | 41073 | Bellevue, KY | $250,273 | $1,540 | 4.80% | 4.9% |
| 25 | 45206 | Cincinnati, OH | $253,281 | $1,533 | 4.72% | 1.5% |
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 Cincinnati, OH-KY-IN · Affordable in Cincinnati, OH-KY-IN
Or see the full Cincinnati, OH-KY-IN metro profile.