Ripley County, Indiana: commercial real estate data.
Ripley County, Indiana has a population of 29,095 across 446 square miles, up 0.8 percent since the 2020 census base. County output reached $1.41 bn in 2024, 667 establishments operate here, and the SBA record carries 15 7(a) approvals worth $4.4 m.
119 sourced county values · tier FULL · 11 sections
Ripley County
How many people live in Ripley County
- Population29,095
- Households11,531
- Average household size2.52
- Median household income$70,573
- Median age41.2
- Median gross rent$839 per month
- Median owner-occupied home value$222,500
- Home value to household income3.2 times
- Annual rent as a share of median income14.3 percent
- Adults 25 and over with a bachelor degree or higher20.7 percent
- Adults 25 and over with a graduate degree9.0 percent
- Adults 25 and over19,894
- Population under 186,862
- Share under 1823.6 percent
- Population 65 and over5,459
- Share 65 and over18.8 percent
- Working age population, 18 to 6416,774
- Civilian labor force14,776
- Unemployment rate3.0 percent
- Labor force participation, adults 18 and over66.5 percent
- Rank by population among Indiana counties55th of 92
- Rank by population among US county-equivalents1502nd
Ripley County is the 55th largest of 92 Indiana counties by population. A median home costs 3.2 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 23.6 percent against 18.8 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Ripley County
Is Ripley County growing
- Population change since the 2020 census base0.78 percent
- Census 2020 base population28,989
- Births, 2024288
- Deaths, 2024369
- Natural change, 2024-81
- Net domestic migration, 202487
- Net international migration, 20242
- Total net migration, 202489
- Cumulative net domestic migration, 2021 to 2024537
- Rank by growth among US county-equivalents1557th
The county has grown 0.78 percent since the 2020 census base. Deaths exceeded births in 2024, so all of the growth came from people moving in. A market held up by migration alone is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Ripley County
Where people moving to Ripley County come from
- Tax returns filed by households arriving773
- People arriving, from those returns1,389
- Adjusted gross income arriving$41.3 m
- Net adjusted gross income movement$0
- Average income of an arriving household$53,446
- Largest single originRipley County Non-migrants (11,232 households)
- Largest single destination (11,232 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Ripley County Non-migrants | 11,232 | 23,550 | $838.3 m |
| Dearborn County | 184 | 342 | $8.9 m |
| Other flows - Same State | 175 | 281 | $8.1 m |
| Other flows - Different State | 166 | 298 | $9.5 m |
| Franklin County | 99 | 188 | $7.3 m |
| Other flows - South | 96 | 184 | $5.4 m |
| Other flows - Midwest | 70 | 114 | $4.2 m |
| Hamilton County | 65 | 123 | $3.9 m |
The largest single source of arrivals is Ripley County Non-migrants, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Ripley County
What the Ripley County economy runs on
- County GDP, 2024$1.41 bn
- County GDP, 2023$1.36 bn
- GDP change, 2023 to 20243.2 percent
- GDP change over five years13.6 percent
- Rank by GDP among Indiana counties59th
- Rank by GDP among US county-equivalents1566th
- GDP per resident$48,376
Output grew 3.2 percent in the latest year and 13.6 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
Ripley County
Who employs people in Ripley County
- Covered employment, annual average11,325
- Establishments reporting800
- Average annual pay$54,394
- Average weekly wage$1,046
- Sector 31-33, employment2,406
- Sector 31-33, average annual pay$60,223
- Sector 48-49, employment1,358
- Sector 48-49, average annual pay$78,143
- Sector 44-45, employment1,018
- Sector 44-45, average annual pay$36,169
- Sector 72, employment723
- Sector 72, average annual pay$17,678
- Sector 23, employment433
- Sector 52, employment378
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 31-33 | 2,406 | 58 | $60,223 |
| Sector 48-49 | 1,358 | 40 | $78,143 |
| Sector 44-45 | 1,018 | 101 | $36,169 |
| Sector 72 | 723 | 54 | $17,678 |
| Sector 23 | 433 | 88 | $55,705 |
| Sector 52 | 378 | 56 | $67,263 |
| Sector 81 | 365 | 72 | $32,199 |
| Sector 55 | 337 | 13 | $119,483 |
The largest sector is the biggest private employer group at 2,406 jobs, 21.2 percent of covered employment. Average pay per job sits below median household income, so households here typically need more than one earner.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Ripley County
What businesses operate in Ripley County
- Establishments, all industries667
- Employment at those establishments10,076
- Annual payroll$526.5 m
- Establishments per 1,000 residents22.9
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against.
US Census Bureau, County Business Patterns, 2023.
Ripley County
What is being built in Ripley County
- Housing units authorised by permit, 2024110
- Declared construction value permitted$25.6 m
- Single family units authorised92
- Multifamily units authorised18
- Multifamily share of units16.4 percent
- Average declared value per unit$232,869
- Units authorised per 1,000 households9.5
Multifamily is 16.4 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Ripley County
How much SBA lending happens in Ripley County
- 7(a) approvals recorded15
- 7(a) gross approval dollars$4.4 m
- Average 7(a) approval$295,800
- Median 7(a) approval$200,000
- 10th percentile approval$28,300
- 90th percentile approval$845,000
- Largest single approval$1,654,600
- Jobs reported supported, 7(a)131
- Jobs per approval8.7
- Distinct 7(a) lenders active8
- Distinct industries receiving approvals10
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer13.3 percent
- Loans on real estate terms2
- Loans on working capital terms, 120 months or shorter12
- Franchise loans1
- Franchise share of approvals6.7 percent
- Leading industry by approval countPrefabricated Metal Building and Component Manufacturing (4)
- Most active lenderFirst Financial Bank (4)
- 504 approvals recorded11
- 504 gross approval dollars$3.9 m
- Average 504 approval$358,455
- Median 504 approval$248,000
- Distinct CDCs active2
- 504 jobs per approval14.6
- 504 jobs per million dollars approved40.8
- Most active CDCIndiana Statewide Certified Development Corporation (7)
- 7(a) share of SBA approvals57.7 percent
- Combined SBA approval dollars$8.4 m
The average approval of $295,800 sits well above the median of $200,000, so a small number of large deals is pulling the mean up. The median is the better guide to what a typical borrower here actually gets. Only 13.3 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Ripley County
Do SBA loans in Ripley County get paid back
- Loans with a final outcome recorded8
- Paid in full8
- Charged off0
- Status: Paid in full8
- Status: Exempt from disclosure7
Too few loans have reached a final outcome to publish a charge off rate. only 8 resolved loans, too few to publish a rate. A rate computed on a handful of loans is noise, so none is shown.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Ripley County
Which parts of Ripley County get the lending
- Places in the county with recorded lending7
- BATESVILLE, approvals6
- MILAN, approvals4
- Osgood, approvals1
- Sunman, approvals1
- DILLSBORO, approvals1
- Cross Plaines, approvals1
| Place | Approvals | Gross approval dollars |
|---|---|---|
| BATESVILLE | 6 | $3,376,900 |
| MILAN | 4 | $594,300 |
| Osgood | 1 | $28,300 |
| Sunman | 1 | $202,500 |
| DILLSBORO | 1 | $20,000 |
| Cross Plaines | 1 | $80,000 |
| VERSAILLES | 1 | $135,000 |
BATESVILLE accounts for 6 approvals against 4 in MILAN. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Ripley County
How big is Ripley County
- Land area446 sq mi
- Rank by land area among Indiana counties22nd of 92
- Width, east to west20.4 mi
- Height, north to south27.3 mi
- Geographies sharing a boundary7
- Residents per square mile of land65
- Establishments per square mile1.50
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- No NFIP communities are listed for this county in the FEMA Community Status Book.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
Feasibility studies
When a Ripley County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a Ripley County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population29,095
- Households11,531
- Average household size2.52
- Median household income$70,573
- Median age41.2
Common questions
Ripley County questions, answered from the record.
How many people live in Ripley County, Indiana?
29,095, in 11,531 households, ranking 55th of 92 Indiana counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Ripley County growing?
The population has grown 0.78 percent since the 2020 census base. In 2024 there were 288 births against 369 deaths, with net migration of 89. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Ripley County?
$70,573. The median owner-occupied home is valued at $222,500, which is 3.2 times income, and median gross rent is $839 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Ripley County?
667 establishments, employing 10,076 people with an annual payroll of $526.5 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Ripley County?
Average annual pay is $54,394, or $1,046 a week, across 11,325 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Ripley County?
15 7(a) approvals totalling $4.4 m since FY2020, across 8 lenders, with a median approval of $200,000, plus 11 504 approvals worth $3.9 m. These are approvals recorded in the release, not loans disbursed.
What is being built in Ripley County?
110 housing units were authorised by permit in 2024, with a declared construction value of $25.6 m. Multifamily was 16.4 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Ripley County?
Zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Ripley County come from?
The largest single origin is Ripley County Non-migrants, with 11,232 households. Arriving households report an average income of $53,446 against null for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Ripley County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for Ripley County?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.