Best ZIP Codes for Cash Flow in Montrose, CO (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 | 81401 | Montrose, CO | $433,747 | $1,985 | 3.57% | 5.5% |
| 2 | 81422 | Naturita, CO | $215,557 | $936 | 3.39% | 8.7% |
| 3 | 81416 | Delta, CO | $375,375 | $1,508 | 3.13% | 5.4% |
| 4 | 81424 | Nucla, CO | $257,070 | $936 | 2.84% | 6.0% |
| 5 | 81432 | Ridgway, CO | $883,995 | $2,595 | 2.29% | 5.4% |
| 6 | 81220 | Cimarron, CO | $500,034 | $1,125 | 1.75% | 2.9% |
| 7 | 81403 | Montrose, CO | $609,036 | $1,314 | 1.68% | 5.4% |
| 8 | 81415 | Crawford, CO | $535,312 | $1,089 | 1.59% | 4.1% |
| 9 | 81425 | Olathe, CO | $466,879 | $936 | 1.56% | 6.2% |
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 Montrose, CO · Affordable in Montrose, CO
Or see the full Montrose, CO metro profile.