Best ZIP Codes for Cash Flow in Waco, TX (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 | 76704 1% rule | Waco, TX | $112,314 | $1,423 | 9.88% | -0.4% |
| 2 | 76707 | Waco, TX | $141,257 | $1,363 | 7.53% | 2.7% |
| 3 | 76711 | Waco, TX | $141,572 | $1,341 | 7.39% | 5.4% |
| 4 | 76661 | Marlin, TX | $92,775 | $873 | 7.34% | -3.9% |
| 5 | 76664 | Mart, TX | $154,438 | $1,116 | 5.64% | 1.4% |
| 6 | 76708 | Waco, TX | $229,185 | $1,620 | 5.52% | 4.2% |
| 7 | 76655 | Lorena, TX | $348,772 | $2,288 | 5.12% | 4.0% |
| 8 | 76705 | Lacy-Lakeview, TX | $213,133 | $1,390 | 5.09% | 3.6% |
| 9 | 76570 | Rosebud, TX | $150,174 | $954 | 4.96% | 0.5% |
| 10 | 76706 | Waco, TX | $253,884 | $1,421 | 4.36% | 4.9% |
| 11 | 76643 | Hewitt, TX | $300,564 | $1,625 | 4.22% | 4.0% |
| 12 | 76712 | Woodway, TX | $354,264 | $1,796 | 3.95% | 3.8% |
| 13 | 76656 | Lott, TX | $209,692 | $1,053 | 3.92% | -0.8% |
| 14 | 76653 | Kosse, TX | $224,571 | $1,125 | 3.91% | 1.8% |
| 15 | 76657 | Mc Gregor, TX | $335,277 | $1,573 | 3.66% | 4.5% |
| 16 | 76710 | Waco, TX | $249,594 | $1,171 | 3.66% | 3.8% |
| 17 | 76682 | Riesel, TX | $259,547 | $1,197 | 3.60% | 2.9% |
| 18 | 76701 | Waco, TX | $319,901 | $1,334 | 3.25% | 8.5% |
| 19 | 76633 | China Spring, TX | $412,279 | $1,476 | 2.79% | 4.9% |
| 20 | 76689 | Valley Mills, TX | $334,941 | $1,116 | 2.60% | 5.4% |
| 21 | 76638 | Crawford, TX | $509,154 | $1,350 | 2.07% | 5.4% |
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 Waco, TX · Affordable in Waco, TX
Or see the full Waco, TX metro profile.