Best ZIP Codes for Cash Flow in Ludington, 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 | 49410 | Fountain, MI | $183,161 | $1,035 | 4.41% | 3.9% |
| 2 | 49431 | Ludington, MI | $313,911 | $1,600 | 3.98% | 3.9% |
| 3 | 49411 | Free Soil, MI | $271,851 | $1,152 | 3.31% | 5.8% |
| 4 | 49405 | Custer, MI | $224,511 | $873 | 3.03% | 4.2% |
| 5 | 49454 | Scottville, MI | $226,077 | $873 | 3.01% | 4.2% |
| 6 | 49660 | Manistee, MI | $273,387 | $936 | 2.67% | 6.1% |
| 7 | 49449 | Pentwater, MI | $403,436 | $873 | 1.69% | 6.6% |
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 Ludington, MI · Affordable in Ludington, MI
Or see the full Ludington, MI metro profile.