Best ZIP Codes for Cash Flow in Effingham, 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 | 62426 | Edgewood, IL | $111,809 | $828 | 5.78% | 4.7% |
| 2 | 62411 | Altamont, IL | $173,731 | $945 | 4.24% | 6.0% |
| 3 | 62473 | Watson, IL | $175,277 | $828 | 3.68% | 5.6% |
| 4 | 62414 | Beecher City, IL | $197,383 | $891 | 3.52% | 5.4% |
| 5 | 62443 | Mason, IL | $198,881 | $873 | 3.42% | 3.1% |
| 6 | 62461 | Shumway, IL | $226,600 | $846 | 2.91% | 4.9% |
| 7 | 62401 | Effingham, IL | $237,548 | $828 | 2.72% | 5.0% |
| 8 | 62424 | Dieterich, IL | $251,424 | $828 | 2.57% | 6.2% |
| 9 | 62467 | Teutopolis, IL | $277,542 | $828 | 2.33% | 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 Effingham, IL · Affordable in Effingham, IL
Or see the full Effingham, IL metro profile.