Ripley, Oklahoma.
Typical home $178,876 (+2.5% in a year). Stillwater, OK metro.
to buy the typical home at today's mortgage rate — +$471 (+101%) since Jan 2020.
- 1 year
- Up $4,333 +2%
- $174,543$178,876 since Sep 2025
- 5 years
- Up $28,327 +19%
- $150,549$178,876 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.
- Ripley$939
- Oklahoma$1,159
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 20 years.
Typical home values in Ripley, OK rose 2.5% over the past year — faster than the nation's +1.2%.
Living in Ripley, Payne County, Oklahoma
Ripley is a town of 346 people in Payne County. Unemployment in Payne County was 4.1% in August 2026, and the county had 0.3% more jobs in 2025 than the year before. The most people in Payne County work in schools and health care, then restaurants and hotels.
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 It can be wrong or out of date.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. Ripley is a very small town in Payne County, Oklahoma, where neighbors tend to know one another. Homes are modestly priced, and the share of residents living below the poverty line is higher than in most places. Few adults hold a four-year degree, and winters are cool and brief, with only a dusting of snow, while summers run hot.
Work. Residents most often work in schools, hospitals and social care, followed by restaurants, hotels and entertainment, shops, and manufacturing. Across Payne County, the largest workplaces include Oklahoma State University, Stillwater Medical Center and Stillwater Schools. Unemployment in the county is a little higher than it was a year ago, and the number of jobs has barely changed. Most people commute a moderate distance, and very few work from home.
Things to do. For time outdoors, Lone Chimney Lake and Boomer Lake are both within a longer drive, and the Oklahoma Botanical Garden and Arboretum is a quieter place to walk among gardens. Those who like sports can drive farther to Boone Pickens Stadium, and the National Wrestling Hall of Fame and Museum is another longer trip for a rainy day.
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- 102households
- 7%of adults have a degree
- 18%below the poverty line
- 23 mintypical commute
- 3%work from home
What people in Payne County work in
Employed residents by industry, from the Census survey. Payne County had 35,314 jobs in 2025, 0.3% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 49° and lows near 26°; warmest in July, with highs near 93° and lows near 71°. About 4 inches of snow and 38 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Cushing weather station, 8 miles away (NOAA).
Largest workplaces in Payne County
- Oklahoma State UniversityUniversity or college5,649
- Stillwater Medical CenterGeneral hospital1,924FTE
- Stillwater SchoolsSchool district861FTE
- WalmartWarehouse clubs and supercenters372
- WalmartWarehouse clubs and supercenters337
- WalmartWarehouse clubs and supercenters268
- Cushing SchoolsSchool district249FTE
- Black & VeatchIndustrial engineering services234
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 44 workplaces with 20 or more staff, 3,569 people in all across the county; Ripley has one of its own. Colleges come from IPEDS (NCES, 2023–24), hospitals from their Medicare cost reports (CMS, 2023) and school districts 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
- Cold wavesVery high
- TornadoesVery high
- Ice stormsVery high
- HailRelatively high
- Winter weatherRelatively high
- Strong windRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Ripley’s census tracts, against the rest of the country; all of them together, relatively high. 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 Payne County and the Stillwater, OK metro.
Ripley home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Ripley$178,876
- Oklahoma$220,801
- 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.
Not enough data to draw this yet.
Zip codes with a Ripley address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Ripley — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.