Metropolitan Area

Bloomington, IN

Indiana0
60
/100
Buy
#519 of 894 metros
Top 58% nationally for investing

Market Snapshot

$303,238
Median Home Price
19% above national median
$1,410/mo
Median Rent
2% above national median
5.58%
Rent-to-Price Ratio
Top 58% nationally
-$673
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Home values and rents: available snapshot

Only one observation is stored for Bloomington, IN. A historical trend cannot be calculated from this snapshot.

Typical home value (ZHVI)
$303,238
Source period: 2026-05-31
Monthly rent index (ZORI)
$1,410
Source period: 2026-05-31

Stored snapshot: 2026-06-29. Source dates describe the underlying observations, not today’s market.

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$303,238
Down Payment (20%)$60,648
Loan Amount$242,590
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,410
Monthly P&I-$1,590
Est. Expenses (35%)-$494
Net Cash Flow-$673/mo
3.6%
Cap Rate (all cash)
-11.6%
Cash-on-Cash Return
5.58%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 3.6% cap rate. All-cash buyers may see better returns.

* Based on metro-wide median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Individual counties and properties vary significantly.

Score Breakdown

Overall Investment Score
60/100
60
Cash Flow(30%)
54/100

Based on 5.58% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
72/100

Based on 2.0% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Based on 0.0% population growth. Growing areas indicate economic stability.

Affordability(20%)
65/100

Based on price relative to estimated local incomes.

Scores are calculated using real Zillow metro-level home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. This metro score represents area-wide averages; individual counties may vary significantly.

Investment Outlook

Strengths

  • +Low unemployment (0.0%)

Challenges

  • -Negative cash flow at typical financing (-$673/mo)
  • -Negative leverage (cap rate 3.6% < mortgage rate 6.9%)

Counties in Bloomington, IN

County data is being compiled for this metro area.

Section 8 in Bloomington, IN: payment standards by ZIP, PHA waitlist status, and voucher counts are on VoucherMatch, the same HUD dataset with the tenant demand side attached.

Compare to Similar Metros

Metro AreaVerdict
Decatur, IL
Decatur, IL
80$126,931$9288.77%Strong BuyView
Corning, NY
Corning, NY
80$171,646$1,2939.04%Strong BuyView
Guymon, OK
Guymon, OK
80$168,571Est.Strong BuyView
Union City, TN
Union City, TN
80$166,036Est.Strong BuyView
Orangeburg, SC
Orangeburg, SC
80$163,772$1,3209.67%Strong BuyView
Current
Bloomington, IN
60$303,238$1,4105.58%Buy

The Bottom Line

BuyBloomington, IN offers solid investment potential with good cash flow or appreciation prospects.

The Bloomington, IN metro area scores 60/100, ranking #519 of 894 US metros (top 58%). The 5.58% rent-to-price ratio may require targeting specific counties or creative strategies for positive cash flow. Current metro-wide averages make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or drilling down to specific counties.

Monthly Cash Flow
$-673/mo
Cap Rate
3.6%
Cash-on-Cash
-13.3%

Ready to Invest in Bloomington, IN?

Use our investment calculators to run detailed numbers on specific properties, or explore individual counties for more targeted opportunities.