Best ZIP Codes for Cash Flow in Ottawa, 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 | 61301 | La Salle, IL | $140,990 | $1,044 | 5.78% | 7.6% |
| 2 | 61362 | Spring Valley, IL | $144,949 | $1,071 | 5.76% | 5.0% |
| 3 | 61376 | Walnut, IL | $154,934 | $1,143 | 5.75% | 7.1% |
| 4 | 61361 | Sheffield, IL | $140,686 | $963 | 5.34% | 7.7% |
| 5 | 61364 | Streator, IL | $130,981 | $873 | 5.20% | 7.9% |
| 6 | 61368 | Tiskilwa, IL | $141,610 | $882 | 4.86% | 6.6% |
| 7 | 61379 | Wyanet, IL | $143,169 | $891 | 4.85% | 7.9% |
| 8 | 61320 | Dalzell, IL | $165,807 | $999 | 4.70% | 8.0% |
| 9 | 61329 | Spring Valley, IL | $153,760 | $909 | 4.61% | 6.8% |
| 10 | 60470 | Ransom, IL | $208,032 | $1,224 | 4.59% | 5.8% |
| 11 | 61350 | Ottawa, IL | $216,773 | $1,268 | 4.56% | 7.3% |
| 12 | 61356 | Princeton, IL | $190,241 | $1,100 | 4.51% | 7.5% |
| 13 | 61354 | Peru, IL | $184,226 | $1,020 | 4.32% | 5.9% |
| 14 | 61349 | Ohio, IL | $157,477 | $828 | 4.10% | 5.9% |
| 15 | 60537 | Sheridan, IL | $293,711 | $1,530 | 4.06% | 5.4% |
| 16 | 61341 | Marseilles, IL | $215,126 | $1,116 | 4.05% | 6.7% |
| 17 | 61360 | Seneca, IL | $235,532 | $1,224 | 4.05% | 4.0% |
| 18 | 60531 | Leland, IL | $290,632 | $1,494 | 4.01% | 7.3% |
| 19 | 61334 | Lostant, IL | $183,422 | $936 | 3.98% | 7.3% |
| 20 | 61348 | Oglesby, IL | $169,952 | $864 | 3.97% | 7.0% |
| 21 | 61342 | Mendota, IL | $183,236 | $918 | 3.91% | 7.7% |
| 22 | 60551 | Sheridan, IL | $308,978 | $1,530 | 3.86% | 5.5% |
| 23 | 61330 | La Moille, IL | $176,369 | $864 | 3.82% | 7.1% |
| 24 | 61326 | Granville, IL | $179,069 | $828 | 3.61% | 5.9% |
| 25 | 60518 | Earlville, IL | $254,732 | $1,125 | 3.44% | 7.4% |
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 Ottawa, IL · Affordable in Ottawa, IL
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