City · 16,201 residents · San Joaquin County, California
Ripon, California
In Ripon, a typical home is worth $704,800 and typical rent is $1,851 a month. Compared with all of San Joaquin County, typical household income is 45% higher and the typical home value is 33% higher.
Typical home value from Zillow, September 2021 to September 2026: from $615,943 to $673,757.
Typical rent
$2,316a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Ripon is in San Joaquin County. The FHA loan limit ($678,500 for a one-unit home), the fair market rents and the help on this page are those of all of San Joaquin County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in West Modesto, the typical home value is $304,700: 57% less than in Ripon ($704,800).
2
The typical household income in Ripon is $133,380,45% more than in San Joaquin County as a whole ($92,179).
3
The typical home in Ripon is worth $704,800,33% more than in San Joaquin County as a whole ($530,700).
4
Nearby, in West Modesto, the typical rent is $1,432: 23% less than in Ripon ($1,851).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Ripon
What homes there are in Ripon, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Ripon
San Joaquin County
California
United States
Kind of home: Ripon and its comparisons
Measure
Ripon
San Joaquin County
California
United States
Detached house
80%
75%
57%
61%
Attached house
Unreliable estimate
5%
7%
6%
Building of 2 to 4
Unreliable estimate
5%
8%
8%
Apartments (5 or more)
Unreliable estimate
12%
24%
19%
Mobile home
Unreliable estimate
3%
4%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
Detached houses, standing on their own, make up 80% of homes here, against 75% in San Joaquin County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Ripon
San Joaquin County
California
United States
Year built: Ripon and its comparisons
Measure
Ripon
San Joaquin County
California
United States
Before 1960
11%
21%
27%
26%
1960–1979
17%
23%
29%
24%
1980–1999
28%
27%
25%
25%
2000–2009
34%
18%
11%
14%
2010 or later
11%
11%
8%
11%
Homes in Ripon are newer: the typical year built is 1995; in San Joaquin County, 1984.
There is more room for a big family here: 74% of homes have 3 bedrooms or more, against 68% in San Joaquin County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300KUnreliable
$300K–$500K13%
$500K–$750K42%
$750K–$1M34%
$1M or more9%
Value of owner-occupied homes: Ripon and its comparisons
Measure
Ripon
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
13%
$500K–$750K
42%
$750K–$1M
34%
$1M or more
9%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49923%
$1,500–$1,99932%
$2,000–$2,49927%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Ripon and its comparisons
Measure
Ripon
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
23%
$1,500–$1,999
32%
$2,000–$2,499
27%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$2,698 a month
San Joaquin County: $2,494 a month
Without a mortgage
$798 a month
San Joaquin County: $740 a month
Owners with a mortgage
81%
San Joaquin County: 70%
In Ripon, 81% of owners have a mortgage, and their typical cost is $2,698 a month, against $2,494 in San Joaquin County. Without one it drops to $798.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Ripon+56%
San Joaquin County+55%
California+46%
United States+53%
Typical rent
Ripon+26%
San Joaquin County+44%
California+36%
United States+33%
Typical household income
Ripon+58%
San Joaquin County+43%
California+32%
United States+29%
Change since 2015–2019: Ripon and its comparisons
Measure
Ripon
San Joaquin County
California
United States
Typical home value
+56%
+55%
+46%
+53%
Typical rent
+26%
+44%
+36%
+33%
Typical household income
+58%
+43%
+32%
+29%
From 2015–2019 to 2020–2024, home values in Ripon rose at about the same pace as in San Joaquin County: 56% against 55%.
Since 2015–2019, the typical rent in Ripon rose 26%, less than in San Joaquin County (44%).
To compare: typical income in Ripon rose 58%; the home, +56%; the rent, +26%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Ripon and its comparisons
Measure
Ripon
San Joaquin County
California
United States
Rental vacancy
Unreliable estimate
3.4%
4.2%
5.5%
Homeowner vacancy
Unreliable estimate
0.9%
0.8%
0.9%
More than one person per room
Unreliable estimate
8.4%
8.2%
3.4%
People per household
2.88
3.19
2.84
2.53
Drive alone
80%
74%
66%
69%
Carpool
7%
12%
10%
9%
Public transit
Unreliable estimate
1%
3%
3%
Walk or bike
Unreliable estimate
2%
3%
3%
Work from home
9%
11%
17%
15%
Other means
Unreliable estimate
1%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Households in Ripon are smaller: 2.88 people on average; in San Joaquin County, 3.19.
In Ripon, 80% of workers drive alone to work; in San Joaquin County, 74%.
Do the math
What would you pay each month for a home in Ripon?
A typical home costs more than the typical income allows
We start with a typical home in Ripon, worth $704,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 51% of the typical household income in Ripon, which is $133,380 a year. For that payment to be 28% of income, a household would need to earn about $244,735 a year. Note: at that price the loan is above the FHA limit for San Joaquin County ($678,500), so FHA would not insure it; the payment is only a reference.
The calculator's FHA and conventional loan limits are those of all of San Joaquin County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Ripon. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $24,668 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$5,710
at 7.18% · 30 years
Loan amount
$692,034
Total interest
$995,675
Paid off in
November 2056
Includes $11,902 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $3,112 a month
Tight
$3,112 to $4,001 a month
Hard
more than $4,001 a month
Your payment · 51%
Compared with the typical household income in Ripon ($133,380 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$4,688
Property tax
$417
Home insurance
$294
FHA mortgage insurance (MIP)
$312
This loan is over the FHA limit
You'd borrow $680,132, but the FHA limit for a one-unit home in Ripon is $678,500. You'd need a bigger down payment or a different loan.
You need at least $24,668 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $5,710; principal and interest $4,688.
The city and its county
Ripon and San Joaquin County
Ripon is in San Joaquin County, California. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Ripon
Map of San Joaquin County, California, with Ripon marked. Around it, the neighboring counties.
Ripon
San Joaquin County
Other cities with a page
Ripon's own numbers
Typical home value
$704,800
Typical monthly rent
$1,851
Typical yearly household income
$133,380
Households that own their home
66%
Effective property tax rate
0.71%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of San Joaquin County
FHA limit, one-unit home
$678,500
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$2,015
Price change over 5 years (FHFA)
+39%
Homes in a high flood-risk zone
3.7%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of San Joaquin County.
A typical home in Ripon is worth $704,800: 33% above the county and 4% below California. With the typical household income in Ripon ($133,380 a year), a typical home costs 5.3 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Ripon5.3 years
San Joaquin5.8 years
California7.4 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in San Joaquin County
According to FHFA’s house price index, home prices in San Joaquin County rose 93% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of San Joaquin County.
Yearly change in FHFA’s price index in San Joaquin County, 2016 to 2025
2016: +9.5% +9.5% 2016
2017: +8.9% +8.9% 2017
2018: +8.2% +8.2% 2018
2019: +4.3% +4.3% 2019
2020: +3.4% +3.4% 2020
2021: +18.0% +18.0% 2021
2022: +15.4% +15.4% 2022
2023: −1.4% −1.4% 2023
2024: +4.2% +4.2% 2024
2025: −0.9% −0.9% 2025
Change in FHFA’s price index in San Joaquin County, California and the United States
Period
County
California
U.S.
Last year (2025)
−0.9%
+0.8%
+2.9%
5 years (2020–2025)
+39%
+40%
+47%
10 years (2015–2025)
+93%
+80%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Ripon next to San Joaquin County, California and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Ripon$704,800
San Joaquin$530,700
California$734,700
United States$332,700
Typical monthly rent
Ripon$1,851
San Joaquin$1,734
California$2,036
United States$1,413
Typical yearly household income
Ripon$133,380
San Joaquin$92,179
California$99,122
United States$80,734
See the full table
Ripon next to San Joaquin County and California
Measure
Ripon
San Joaquin County
California
U.S.
Typical home value
$704,800 ▲33% above the county
$530,700
$734,700
$332,700
Typical monthly rent
$1,851 ▲7% above the county
$1,734
$2,036
$1,413
Typical yearly household income
$133,380 ▲45% above the county
$92,179
$99,122
$80,734
Households that own their home
66% ▲4 points above the county
62%
56%
65%
Typical yearly property tax
$5,034 ▲27% above the county
$3,960
$5,124
$3,119
Effective property tax rate
0.71% ▼0.04 points below the county
0.75%
0.7%
0.94%
Renters with high rent for their income
55% ▲1 points above the county
54%
55%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below San Joaquin County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Ripon
For a typical $704,800 home in Ripon, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Ripon's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$5,710a month
Above the FHA limit for San Joaquin County ($678,500)
Down payment
$24,668
Cash to close
$45,812
Rate
7.18%
Mortgage insurance
FHA MIP · $312
Conventional, 5% down$5,581a month
Least cash to close
Down payment
$35,240
Cash to close
$56,384
Rate
7.18%
Mortgage insurance
PMI · $335
Conventional, 20% down, no PMI$4,530a month
Down payment
$140,960
Cash to close
$162,104
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$5,182a month
Down payment
$105,720
Cash to close
$126,864
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Ripon
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Above the FHA limit for San Joaquin County ($678,500)
$5,710
$24,668
$692,034
7.18%
FHA MIP · $312
$45,812
580
Conventional, 5% down Least cash to close
$5,581
$35,240
$669,560
7.18%
PMI · $335
$56,384
620*
Conventional, 20% down, no PMI
$4,530
$140,960
$563,840
7.18%
None
$162,104
620*
ITIN, 15% down (example)
$5,182
$105,720
$599,080
8.18%
None
$126,864
Set by the lender
The option that asks for the least cash to close is Conventional, 5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Ripon is $1,851 a month: 7% above the county. In Ripon, 55% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of San Joaquin County, by unit size. To pay the 2-bedroom one ($2,015 a month) without spending more than 30% of your income, you would need to earn $38.75 an hour working full time.
HUD fair market rent for all of San Joaquin County
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in San Joaquin County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,525
$29.33
$61,000
1 bedroom
$1,628
$31.31
$65,120
2 bedrooms
$2,015
$38.75
$80,600
3 bedrooms
$2,790
$53.65
$111,600
4 bedrooms
$3,368
$64.77
$134,720
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Ripon
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Ripon is in ZIP code 95366.
For 2 bedrooms it is $2,170: $155 more than the fair market rent for San Joaquin County ($2,015).
Fair market rent by ZIP code and size in Ripon, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
95366
$1,640
$1,750
$2,170
$3,000
$3,630
ZIP code2 bd3 bd
95366 $2,170$3,000
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Ripon when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
There is 1 HUD-approved agency with an office in San Joaquin County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Ripon or San Joaquin County. The ones below are statewide in California: they work in Ripon the same as in the rest of the state.
CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers in California.Offered by California Housing Finance Agency (CalHFA).
CalHFA down payment loan for first-generation buyers in California; when you sell, you repay the loan plus a share of the home's appreciation.Offered by California Housing Finance Agency (CalHFA).
CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers who use the CalPLUS Access mortgage (FHA or conventional).Offered by California Housing Finance Agency (CalHFA).
No legal help resource on our list is for Ripon or San Joaquin County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Ripon and all of San Joaquin County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Ripon?
The typical home value in Ripon is $704,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in San Joaquin County it is $530,700.
How much does it cost to rent in Ripon?
Typical rent in Ripon is $1,851 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in San Joaquin County is $2,015.
What is the FHA loan limit in Ripon?
Ripon uses the FHA limit for all of San Joaquin County (2026): $678,500 for a one-unit home and $1,304,850 for a four-unit home.
How much property tax do owners pay in Ripon?
The typical homeowner in Ripon pays $5,034 a year, according to the U.S. Census Bureau. That is 0.71% of the home’s value; in San Joaquin County, the rate is 0.75%.
Where can I find free help to buy or rent in Ripon?
There is 1 HUD-approved counseling agency with an office in San Joaquin County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
