Osgood, Indiana.
Typical home $252,512 (+5.7% in a year).
to buy the typical home at today's mortgage rate — +$759 (+134%) since Jan 2020.
- 1 year
- Up $13,507 +6%
- $239,005$252,512 since Sep 2025
- 5 years
- Up $57,494 +29%
- $195,018$252,512 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Osgood$1,325
- Indiana$1,350
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 13 years.
Typical home values in Osgood, IN rose 5.7% over the past year — faster than the nation's +1.2%.
Living in Osgood, Ripley County, Indiana
Osgood is a town of 1,587 people in Ripley County. Half its households earn more than $52,625 a year and half less, against $70,573 across Ripley County; 10% of its people live below the poverty line. 53% of its homes are lived in by their owners and 47% are rented. Unemployment in Ripley County was 3.1% in August 2026, and the county had 2.9% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then manufacturing.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Osgood is a small town in Ripley County, Indiana, where more homes are lived in by their owners than rented. Household incomes in town run below the county's, and typical home values are well above what the town's incomes might suggest. Winters are cold, with January the coldest month, and summers are warm, with July the warmest.
Work. Residents work mostly in schools, hospitals and social care, followed by manufacturing, shops and professional and business services. Few work from home, and few adults hold a four-year degree. Among the largest workplaces in Osgood are the Jac-Cen-Del Community School district, Southeastern Indiana REMC and Manderley Health.
Things to do. Versailles State Park is a protected area a short drive away, and Jericho Creek, a river, is also close by. Clifty Falls State Park, known for its waterfall, is a longer drive away, as is Perfect North Slopes, a ski area that suits the cold winters.
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- 664households
- 12%of adults have a degree
- 10%below the poverty line
- 4%work from home
What residents work in
Employed residents by industry, from the Census survey. Ripley County had 11,001 jobs in 2025, 2.9% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 37° and lows near 19°; warmest in July, with highs near 83° and lows near 62°.
Average daily high and low, 1991–2020, at the Milan Northeast weather station, 13 miles away (NOAA).
Largest workplaces in Osgood
- Jac-Cen-Del Community Sch Corp SchoolsSchool district103FTE
- Southeastern Indiana REMCDistribution of electric power80
- Manderley HealthNursing homes75
- Kroger Louisville KMASupermarkets and other grocery except convenience stores39
- Case MakesPaper bag and coated and treated paper manufacturing37
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 4 workplaces with 20 or more staff, 231 people in all. School districts come from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Strong windVery high
- TornadoesVery high
- LightningRelatively high
- Inland floodingRelatively high
- DroughtRelatively moderate
- Ice stormsRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Osgood’s census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Ripley County.
Osgood home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Osgood$252,512
- Indiana$257,165
- United States$366,157
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Osgood8
Zip codes with a Osgood address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Osgood — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.