Best ZIP Codes for Cash Flow in Louisville/Jefferson County, 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 | 40210 1% rule | Louisville, KY | $91,295 | $1,198 | 10.23% | 8.0% |
| 2 | 40212 1% rule | Louisville, KY | $84,437 | $1,052 | 9.72% | 6.7% |
| 3 | 40211 1% rule | Louisville, KY | $95,961 | $1,185 | 9.63% | 6.6% |
| 4 | 40215 | Louisville, KY | $138,389 | $1,225 | 6.91% | 5.8% |
| 5 | 40209 | Louisville, KY | $123,859 | $1,035 | 6.52% | — |
| 6 | 40208 | Louisville, KY | $140,761 | $1,149 | 6.36% | 6.3% |
| 7 | 40203 | Louisville, KY | $146,822 | $1,030 | 5.47% | 4.5% |
| 8 | 40213 | Louisville, KY | $209,858 | $1,437 | 5.34% | 5.0% |
| 9 | 40258 | Louisville, KY | $229,047 | $1,567 | 5.34% | 5.5% |
| 10 | 40229 | Louisville, KY | $254,018 | $1,534 | 4.71% | 5.4% |
| 11 | 40272 | Louisville, KY | $224,320 | $1,354 | 4.71% | 5.9% |
| 12 | 40218 | Louisville, KY | $220,000 | $1,305 | 4.63% | 5.7% |
| 13 | 40217 | Louisville, KY | $240,906 | $1,405 | 4.55% | 4.8% |
| 14 | 40219 | Louisville, KY | $237,143 | $1,376 | 4.53% | 5.7% |
| 15 | 47129 | Clarksville, IN | $210,392 | $1,217 | 4.51% | 6.2% |
| 16 | 40118 | Louisville, KY | $210,939 | $1,209 | 4.47% | 6.9% |
| 17 | 47143 | Memphis, IN | $305,361 | $1,719 | 4.39% | 4.3% |
| 18 | 40291 | Louisville, KY | $310,725 | $1,679 | 4.21% | 4.3% |
| 19 | 40031 | La Grange, KY | $394,892 | $2,114 | 4.18% | 5.1% |
| 20 | 47111 | Charlestown, IN | $308,757 | $1,636 | 4.13% | 4.5% |
| 21 | 47166 | New Salisbury, IN | $249,000 | $1,314 | 4.12% | 6.3% |
| 22 | 40216 | Louisville, KY | $212,067 | $1,114 | 4.10% | 5.6% |
| 23 | 40165 | Shepherdsville, KY | $302,214 | $1,584 | 4.09% | 4.1% |
| 24 | 47125 | Hardinsburg, IN | $206,665 | $1,071 | 4.04% | 5.5% |
| 25 | 40228 | Louisville, KY | $275,694 | $1,422 | 4.02% | 4.9% |
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 Louisville/Jefferson County, KY-IN · Affordable in Louisville/Jefferson County, KY-IN
Or see the full Louisville/Jefferson County, KY-IN metro profile.