Best ZIP Codes for Cash Flow in Hilo, HI (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 | 96778 | Pahoa, HI | $292,823 | $1,846 | 4.92% | 3.4% |
| 2 | 96777 | Pahala, HI | $293,548 | $1,683 | 4.47% | 3.3% |
| 3 | 96704 | Captain Cook, HI | $454,924 | $2,500 | 4.29% | 2.7% |
| 4 | 96771 | Mountain View, HI | $326,122 | $1,746 | 4.18% | 3.2% |
| 5 | 96749 | Keaau, HI | $471,067 | $2,465 | 4.08% | 5.0% |
| 6 | 96760 | Kurtistown, HI | $366,913 | $1,683 | 3.58% | 4.7% |
| 7 | 96785 | Volcano, HI | $371,595 | $1,683 | 3.53% | 4.6% |
| 8 | 96772 | Naalehu, HI | $408,161 | $1,683 | 3.22% | 4.2% |
| 9 | 96728 | Honomu, HI | $538,263 | $2,079 | 3.01% | 2.7% |
| 10 | 96738 | Waikoloa, HI | $833,915 | $3,167 | 2.96% | 7.2% |
| 11 | 96781 | Papaikou, HI | $544,577 | $2,052 | 2.94% | 4.4% |
| 12 | 96720 | Hilo, HI | $560,656 | $2,042 | 2.84% | 5.8% |
| 13 | 96743 | Waimea, HI | $1,249,538 | $4,225 | 2.64% | 5.0% |
| 14 | 96740 | Kailua Kona, HI | $879,278 | $2,948 | 2.62% | 5.2% |
| 15 | 96776 | Honokaa, HI | $542,994 | $1,755 | 2.52% | 3.8% |
| 16 | 96783 | Pepeekeo, HI | $564,282 | $1,818 | 2.51% | 4.4% |
| 17 | 96755 | Kapaau, HI | $643,246 | $1,773 | 2.15% | 4.2% |
| 18 | 96727 | Honokaa, HI | $657,688 | $1,782 | 2.11% | 4.3% |
| 19 | 96764 | Laupahoehoe, HI | $631,492 | $1,683 | 2.08% | 4.3% |
| 20 | 96719 | Hawi, HI | $856,210 | $2,115 | 1.93% | 3.7% |
| 21 | 96710 | Honomu, HI | $965,553 | $2,052 | 1.66% | 2.4% |
| 22 | 96750 | Kealakekua, HI | $789,146 | $1,683 | 1.66% | 3.3% |
| 23 | 96725 | Holualoa, HI | $1,030,488 | $2,151 | 1.63% | 4.5% |
| 24 | 96780 | Papaaloa, HI | $840,548 | $1,683 | 1.56% | 3.8% |
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 Hilo, HI · Affordable in Hilo, HI
Or see the full Hilo, HI metro profile.