Best ZIP Codes for Cash Flow in Coldwater, MI (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 | 49255 | Montgomery, MI | $176,702 | $1,008 | 4.45% | 2.5% |
| 2 | 49089 | Sherwood, MI | $159,738 | $873 | 4.26% | 1.7% |
| 3 | 49036 | Coldwater, MI | $221,801 | $1,179 | 4.15% | 4.3% |
| 4 | 49094 | Union City, MI | $179,738 | $891 | 3.87% | 2.7% |
| 5 | 49028 | Bronson, MI | $186,315 | $873 | 3.65% | 3.8% |
| 6 | 49082 | Quincy, MI | $233,166 | $873 | 2.92% | 2.3% |
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 →
Same metro, different strategy
Appreciation in Coldwater, MI · Affordable in Coldwater, MI
Or see the full Coldwater, MI metro profile.