Best ZIP Codes for Cash Flow in Rochester, NY (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 | 14605 1% rule | Rochester, NY | $97,648 | $1,350 | 10.78% | 2.5% |
| 2 | 14608 1% rule | Rochester, NY | $122,123 | $1,501 | 9.59% | 4.3% |
| 3 | 14621 1% rule | Rochester, NY | $114,631 | $1,314 | 8.94% | 4.2% |
| 4 | 14611 1% rule | Rochester, NY | $122,634 | $1,331 | 8.47% | 7.0% |
| 5 | 14822 1% rule | Canaseraga, NY | $127,996 | $1,323 | 8.06% | 6.0% |
| 6 | 14619 | Rochester, NY | $167,045 | $1,542 | 7.20% | 5.6% |
| 7 | 14571 | Waterport, NY | $213,529 | $1,836 | 6.71% | 7.0% |
| 8 | 14613 | Rochester, NY | $140,752 | $1,191 | 6.60% | 6.3% |
| 9 | 14516 | North Rose, NY | $215,507 | $1,584 | 5.73% | 4.7% |
| 10 | 14623 | Rochester, NY | $268,545 | $1,921 | 5.58% | 8.4% |
| 11 | 14609 | Rochester, NY | $213,081 | $1,521 | 5.57% | 8.3% |
| 12 | 14489 | Lyons, NY | $177,077 | $1,260 | 5.55% | 8.1% |
| 13 | 14433 | Clyde, NY | $163,665 | $1,161 | 5.53% | 4.1% |
| 14 | 14445 | East Rochester, NY | $240,125 | $1,685 | 5.47% | 9.0% |
| 15 | 14504 | Manchester, NY | $206,820 | $1,440 | 5.43% | 6.4% |
| 16 | 14836 | Dalton, NY | $172,018 | $1,161 | 5.26% | 6.0% |
| 17 | 14437 | Dansville, NY | $175,649 | $1,179 | 5.24% | 5.2% |
| 18 | 14615 | Rochester, NY | $193,530 | $1,292 | 5.21% | 6.5% |
| 19 | 14510 | Mount Morris, NY | $174,164 | $1,161 | 5.20% | 8.0% |
| 20 | 14616 | Rochester, NY | $221,467 | $1,473 | 5.19% | 8.0% |
| 21 | 14456 | Geneva, NY | $232,777 | $1,538 | 5.15% | 7.2% |
| 22 | 13146 | Savannah, NY | $176,640 | $1,161 | 5.13% | 5.3% |
| 23 | 14846 | Hunt, NY | $182,601 | $1,161 | 4.96% | 5.1% |
| 24 | 14103 | Medina, NY | $187,157 | $1,188 | 4.95% | 6.3% |
| 25 | 14425 | Farmington, NY | $338,809 | $2,133 | 4.91% | 7.8% |
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 Rochester, NY · Affordable in Rochester, NY · 1% Rule in Rochester, NY
Or see the full Rochester, NY metro profile.