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Ripley CDP, NY

ZIP 14775 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 14775

Median Home Value
$103,400
Median Rent
$451
Affordability Snapshot
$28,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$664/mo PITI).

11%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

19.1 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 14775 in Ripley CDP, NY, a household would need roughly $28,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $664. That sits below the local median household income ($50,061), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 23% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
77.7%+19% vs US avg
x
Vacancy Rate
23.3%+126% vs US avg
x
Broadband Access
84.0%-3% vs US avg
x
4+ Bedrooms
4.0%-73% vs US avg
x
Built Pre-1939
9.5%-26% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
11.0%-78% vs US avg
x
Mortgage-Free
55.7%+46% vs US avg
x
$103,400
Home Value
$451
Rent
1943
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached80.3%
  • 1-unit attached0.0%
  • 2-9 units6.9%
  • 10+ units0.4%
  • Mobile home & other12.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$103,400
Median rent$451
Owner-occupied77.7%
Vacant23.3%
Price-to-income2.1x
Est. income to buy$28,000