Ripley County, Indiana: commercial real estate data.
Ripley County, Indiana had an estimated 29,214 residents on July 1, 2024, up 0.8 percent since the 2020 census base of 28,989, across 446 square miles. 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 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Ripley County
How many people live in Ripley County
- Population, American Community Survey 2020-202429,095
- 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-equivalents, Puerto Rico included1502nd of 3,222
Ripley County is the 55th largest of 92 Indiana counties by population. A median home costs 3.2 times median household income, which is moderately unaffordable 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's population growing?
- Population, July 1, 202429,214
- Census 2020 base population28,989
- Population change since the 2020 census base0.78 percent
- Population change, 2023 to 20246
- 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 of 3,144
The county has grown 0.78 percent since the 2020 census base. Deaths exceeded births in 2024 and the population still grew, so all of the growth came from people moving in. A market held up by migration 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 are people moving to Ripley County from?
- Tax returns filed by households arriving773
- People arriving, from those returns1,389
- Tax returns filed by households leaving792
- Net household movement-19
- Adjusted gross income arriving$41.3 m
- Net adjusted gross income movement$2.7 m
- Average income of an arriving household$53,446
- Average income of a leaving household$48,747
- Largest single originDearborn County (184 households)
- Largest single destinationDearborn County (157 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Dearborn County | 184 | 342 | $8.9 m |
| Franklin County | 99 | 188 | $7.3 m |
| Hamilton County | 65 | 123 | $3.9 m |
| Decatur County | 62 | 114 | $2.7 m |
| Jefferson County | 22 | 43 | $870,000 |
Households arriving report $4,699 more average income than households leaving, so the migration is raising local spending power rather than just moving it around. The largest single source of arrivals is Dearborn County, 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 is the Ripley County economy?
- 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 the Indiana areas BEA publishes59th of 92
- Rank by GDP among the US county areas BEA publishes1566th of 3,127
- 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
Employment by industry in Ripley County
- Covered employment, annual average11,325
- Establishments reporting800
- Average annual pay$54,394
- Average weekly wage$1,046
- Manufacturing, employment2,406
- Manufacturing, average annual pay$60,223
- Transportation and warehousing, employment1,358
- Transportation and warehousing, average annual pay$78,143
- Retail trade, employment1,018
- Retail trade, average annual pay$36,169
- Accommodation and food services, employment723
- Accommodation and food services, average annual pay$17,678
- Construction, employment433
- Finance and insurance, employment378
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Manufacturing | 2,406 | 58 | $60,223 |
| Transportation and warehousing | 1,358 | 40 | $78,143 |
| Retail trade | 1,018 | 101 | $36,169 |
| Accommodation and food services | 723 | 54 | $17,678 |
| Construction | 433 | 88 | $55,705 |
| Finance and insurance | 378 | 56 | $67,263 |
| Other services, except public administration | 365 | 72 | $32,199 |
| Management of companies and enterprises | 337 | 13 | $119,483 |
Manufacturing is the largest private sector at 2,406 jobs, 21.2 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Ripley County
How many businesses are 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. County Business Patterns counts private establishments with paid employees in March 2023, while the Quarterly Census of Employment and Wages above counts every unemployment-insured employer, public ones included, as a 2024 annual average, so the two establishment and employment counts differ.
US Census Bureau, County Business Patterns, 2023.
Ripley County
Building permits in Ripley County
- Housing units authorized by permit, 2024110
- Declared construction value permitted$25.6 m
- Single family units authorized92
- Multifamily units authorized18
- Multifamily share of units16.4 percent
- Average declared value per unit$232,869
- Units authorized per 1,000 households9.5
Single-family homes are 83.6 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Ripley County
SBA loans in Ripley County (7(a) and 504)
- 7(a) approvals recorded15
- 7(a) gross approval dollars$4.4 m
- Average 7(a) approval$295,800
- Median 7(a) approval$200,000
- 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)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$8.4 m
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
SBA loan default and charge-off rates in 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
Only 8 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
Compare against the national and state SBA charge-off rates, computed the same way over resolved loans only.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Ripley County
SBA lending by place in Ripley County
- Borrower cities with recorded lending7
- Batesville, approvals6
- Milan, approvals4
- Sunman, approvals1
- Versailles, approvals1
- Cross Plaines, approvals1
- Osgood, approvals1
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Batesville | 6 | $3,376,900 |
| Milan | 4 | $594,300 |
| Sunman | 1 | $202,500 |
| Versailles | 1 | $135,000 |
| Cross Plaines | 1 | $80,000 |
| Osgood | 1 | $28,300 |
| Dillsboro | 1 | $20,000 |
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Ripley County
How large 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.
Ripley County
Flood risk in Ripley County
- Participation of the county's own NFIP community Ripley County, unincorporated areasParticipating, community 180221
- Communities in the county in the NFIP Community Status Book3
- Of those, participating in the NFIP2
- NFIP participation rate66.7 percent
- Communities carrying a CRS class0
- Radon levels in Ripley County, EPA zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
The county's own community in the status book, unincorporated Ripley County (community 180221), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Ripley County in radon zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. 66.7 percent of the county's listed communities participate in the National Flood Insurance Program, per Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Coverage
What this page does not hold.
Traffic counts, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
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.
- Population, American Community Survey 2020-202429,095
- 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?
The Census Bureau estimates 29,214 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 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's population growing?
The population has grown 0.78 percent since the 2020 census base of 28,989, to 29,214 on July 1, 2024. 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 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 employment by industry in Ripley County?
Manufacturing is the largest private sector at 2,406 jobs, 21.2 percent of covered employment. Covered employment averages 11,325 jobs at an average annual pay of $54,394, or $1,046 a week. 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 totaling $4.4 m since FY2020, across 8 lenders, with a median approval of $200,000, plus 11 504 approvals worth $3.9 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Ripley County?
110 housing units were authorized 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 Dearborn County, with 184 households. Arriving households report an average income of $53,446 against $48,747 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?
No. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame, to be confirmed locally.
Ripley County
Cities and places in Ripley.
14 Census places lie wholly or partly in Ripley County. 13 carry enough published place level data for a page of their own and are linked. The rest are named here and not linked, because the American Community Survey and the SBA record between them do not carry enough about them to write an honest page. A place existing is itself worth knowing, so nothing in the county is left out.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Batesville | city | 7,282 | 6 | 70.1 percent here, 29.9 percent Franklin County |
| Versailles | town | 2,037 | 1 | Wholly in this county |
| Milan | town | 1,942 | 4 | Wholly in this county |
| Osgood | town | 1,637 | 1 | Wholly in this county |
| Sunman | town | 1,247 | 1 | Wholly in this county |
| Morris | CDP | 587 | None recorded | Wholly in this county |
| Holton | town | 502 | None recorded | Wholly in this county |
| Delaware | CDP | 489 | None recorded | Wholly in this county |
| New Marion | CDP | 227 | None recorded | Wholly in this county |
| Napoleon | town | 205 | None recorded | Wholly in this county |
| Cross Plains | CDP | 86 | None recorded | Wholly in this county |
| Pierceville | CDP | 43 | None recorded | Wholly in this county |
| Elrod | CDP | 10 | None recorded | Wholly in this county |
| Penntown | CDP | 0 | None recorded | Wholly in this county |
A further 2 of the county's 15 SBA 7(a) approvals are to borrowers in cities that match no Census place in Ripley County, the largest being Cross Plaines (1), Dillsboro (1). Those are postal cities, unincorporated areas and cities outside the county, so no place row claims them; they are counted in the county total above.