Real Estate Investing in Ripley, Ohio (45167)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Brown County • Population: 3,379 • Data updated: September 2026

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Should you buy in 45167 (Ripley, OH)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (53/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
1 flag
  • High vacancy: 17.7% of homes vacant — above national norms.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Ripley, OH (45167)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $187,470
Avg Monthly Rent $873
1% Rule ✗ Does Not Meet
Median Income $59,306
% Renters 29.8%

Market Analysis: 45167 Ripley

Investors eyeing 45167 need to respect the fundamentals at play. Home values of $187K come alongside slower price movement and elevated management overhead.

Distressed markets are won on execution, not on spreadsheets. ZIP 45167 registers the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.

The gap between 45167 and stronger Ripley ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.

The demographic picture in 45167 includes headwinds that any investor should price in. Income distribution skews lower than Ripley averages, and tenant stability requires active management.

The right play in 45167 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Ripley:

C+ Average
Buy Confidence Score: 68/100
Affordability
20/25
Appreciation
18/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.2× the median income
Value Trend
Rising (+4.2%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $873/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
⚖️
BALANCED MARKET
Cincinnati, OH-KY-IN Metro Area
Even conditions for buyers and sellers
29 days
Average time to sell
Fast
12.9%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Cincinnati, OH-KY-IN metro data
🏠

Property Strategy for 45167

Which property type performs best in this market?

Best for Cash Flow
2BR
4.6% cap rate
Best for Appreciation
3BR
+6.3% 5yr CAGR
Best Overall Value
3BR
$70,432/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $150,928 $970 4.6% +5.8% $75,464
3BR $211,295 $1,310 4.5% +6.3% $70,432

Market Trends

Home Value History (with trend line)

$202K$176K$150K$124K$98K$73KJul 2006Jul 2016Jul 2026

📊 How Does 45167 Compare?

Metric 45167 Ripley Cincinnati, OH-KY-IN Ohio
Home Value $187,470 $187,470 N/A $237,530
5-Year CAGR 3.4% 3.4% N/A 7.4%
Avg Rent $873 $873 N/A -
Cap Rate 3.6% 3.6% - -
💡 Why Invest in 45167? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 45167 (Ripley, OH). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.6%
Low
5yr Growth
+3.4%
Moderate

📊 Market Snapshot

Home Value $187,470
Monthly Rent $873
Price-to-Rent 17.9:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.6%
Cap Rate 3.6%
5-Year IRR 7.0%

📈 Home Appreciation

1-Year +4.2% ▲
3-Year CAGR +3.6% ▲
5-Year CAGR +3.4% ▲
10-Year CAGR +5.9% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.6%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.6%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
17.7%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+3.4%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 45167

Population: 3,379

💰 Median Household Income
$59,306
This area
$59,306
State
$68,496
USA
$74,580
🏠 Renter Occupied
29.8%
This area
29.8%
State
25.8%
USA
34.0%
💼 Unemployment Rate
3.6%
This area
3.6%
State
-9.1%
USA
3.7%
🎓 College Educated
18.7%
This area
18.7%
State
8.4%
USA
33.7%
👤 Median Age
43.3 years
This area
43.3 years
State
19.6 years
USA
38.9 years
🏚️ Vacancy Rate
17.7%
This area
17.7%
State
11.1%
USA
10.5%
👥 Population by Ethnicity
White 91.9%
Other/Mixed 6.3%
Black/African American 1.5%
Hispanic/Latino 0.4%
Asian 0.2%
👶 Under 18
22.5%
This area
22.5%
USA
22.0%
👴 65 and Over
22.8%
This area
22.8%
USA
17.3%
📊 Poverty Rate
12.1%
This area
12.1%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 45167

B+ Avg School Grade
3 Schools
13.3:1 Avg Class Size
$18,840 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent
👥
235 Students
👨‍🏫
10.2:1 Class Size
💰
$18,840 Per Student
A Very Good
👥
378 Students
👨‍🏫
16.4:1 Class Size
💰
$18,840 Per Student
B Good

Ripley Union Lewis Huntington Junior High School

📚 07 – 08 Middle Limited Data
👥
109 Students
💰
$18,840 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

🎓 Nearby Colleges & Universities

1 Nearby 2,371 Off-Campus Students
C+
Maysville Community and Technical College
4,296 students · 10.1 mi

Investor Insight: With 2,371 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

How do home values compare in Ripley, OH?

Homes in Ripley, OH typically sell near $187K. Prices have moved at a 0.0% 5-year CAGR, which even-keeled long-term demand.

What monthly rent should investors expect in Ripley, OH?

Rental rates in Ripley, OH average $873/mo. Tenant demand and $187K home values make the yield look reasonable by investor standards.

Are renters plentiful in Ripley, OH?

Ripley, OH draws a stable base of working renters. Demand at the $873/mo rent level is reasonable for standard single-family and small multi rentals.

Can owner-occupants cash flow in Ripley, OH?

Ripley, OH offers a challenging house-hacking opportunity. Small multifamily or rent-by-the-room plays can pair well with the $873/mo rent level.

Is Ripley, OH a friendly market for rental owners?

Ripley, OH falls under OH landlord-tenant law, which is landlord-friendly. That backdrop makes day-to-day property management reasonable.

You know 45167 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 45167 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

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How 45167 ranks in Cincinnati, OH-KY-IN

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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