---
title: 20 ZIP Codes With the Highest Real Estate Returns
description: ZIP codes play a large role in the real estate game — especially when it comes to profit.
---

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# [20 ZIP Codes With the Highest Real Estate Returns](https://credit.com/blog/20-zip-codes-with-the-highest-real-estate-returns-177237)

 Written by [Paige DiFiore](https://credit.com/blog/author/padifi) | Jul 27, 2017 4:01:58 AM

Your ZIP code is a pretty important piece of an address, especially when it comes to the real estate market. HomeUnion, an online real estate investment management firm, identified zip codes in 20 metros that maximize real estate returns while minimizing risk over a five-year horizon. They examined school quality and neighborhood attractiveness for single-family rentals over five years.

"HomeUnion Research Services looked at more than a dozen attributes that characterize a neighborhood including crime, schools, white-collar jobs, unemployment, homeownership, permitting activity, etc.," said Steve Hovland, director of research for HomeUnion. "Based on those attributes, we forecast appreciation, vacancy and rent changes over the next five years."

The study calculated Annualized Total Return, which includes HomeUnion's projections for how much the value of single-family rentals will appreciate and how much cash flow they're expected to generate. According to Hovland, HomeUnion's model can determine the price and rent for every single-family home within a specific zip code and allow them to predict the price and rent in five years.

## **The Long Haul **

Americans are increasingly investing in real estate to reap the rewards, which makes investing in the right ZIP code crucial. To mitigate risk and earn the highest real estate returns, investors should focus assets that can maintain value even during downturns, Hovland said.

Remember, when it comes to real estate, ZIP codes aren't the only numbers that matter. Without a good credit score,[ financing a real estate investment](https://www.credit.com/loans/mortgage-questions/financing-your-first-investment-property/) can be [difficult and costly](https://www.credit.com/loans/mortgage-questions/how-to-close-on-a-home-or-real-estate-deal/). See where you stand and [check your credit score for free at Credit.com](https://www.credit.com/free-credit-score/). Here are the top ZIP codes with the highest real estate returns.

**20. 46280**

**Submarket: **North Indianapolis

**Metro Area: **Indianapolis

**Annualized Total Return: **5.4%

**19. 91602**

**Submarket: **North Hollywood, California

**Metro Area: **Los Angeles

**Annualized Total Return: **5.4%

**18. 73003**

**Submarket: **Edmond, Oklahoma

**Metro Area: **Oklahoma City

**Annualized Total Return: **5.4%

**17. 63043**

**Submarket: **Maryland Heights, Missouri

**Metro Area: **St. Louis

**Annualized Total Return: **5.5%

**16. 85259**

**Submarket: ** North Scottsdale, Arizona

**Metro Area: **Phoenix

**Annualized Total Return: **5.5%

**15. 77059**

**Submarket: **Clear Lake City, Texas

**Metro Area: **Houston

**Annualized Total Return: **5.6%

**14. 75022**

**Submarket: ** Flower Mound, Texas

**Metro Area: **Dallas

**Annualized Total Return: **5.6%

**13. 44023**

**Submarket: ** Chagrin Falls, Ohio

**Metro Area: **Cleveland

**Annualized Total Return: **5.6%

**12. 34677**

**Submarket: **Oldsmar, Florida

**Metro Area: **Tampa

**Annualized Total Return: **5.7%

**11. 97224**

**Submarket:** King City, Oregon

**Metro Area: **Portland, Oregon

**Annualized Total Return: **5.8%

**10. 30078**

**Submarket: **Snellville, Georgia

**Metro Area: **Atlanta

**Annualized Total Return: **5.8%

**9. 45255**

**Submarket: ** Forestville/Cherry Grove, Ohio

**Metro Area: **Cincinnati

**Annualized Total Return: **5.9%

**8. 60016**

**Submarket: **Des Plaines, Illinois

**Metro Area: **Chicago

**Annualized Total Return: **6%

**7. 66223**

**Submarket: **Overland Park, Kansas

**Metro Area: **Kansas City

**Annualized Total Return: **6.2%

**6. 37062**

**Submarket: **Fairview, Tennessee

**Metro Area: **Nashville

**Annualized Total Return: **6.5%

**5. 33327**

**Submarket: **Weston, Florida

**Metro Area: ** Fort Lauderdale, Florida

**Annualized Total Return: **6.6%

**4. 33158**

**Submarket: **Palmetto Bay, Florida

**Metro Area: **Miami

**Annualized Total Return: **6.8%

**3. 48322**

**Submarket: **West Bloomfield Township, Michigan

**Metro Area: **Detroit

**Annualized Total Return: **6.9%

**2. 19035**

**Submarket: **Gladwyne, Pennsylvania

**Metro Area: **Philadelphia

**Annualized Total Return: **6.9%

**1. 33434**

**Submarket: **Hamptons at Boca Raton, Florida

**Metro Area: **West Palm Beach

**Annualized Total Return: **8.1%

*Image: irina88w*

[View full post](https://credit.com/blog/20-zip-codes-with-the-highest-real-estate-returns-177237)

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