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Cowden

CityThe kind of area this report covers. Neighborhood areas nest inside each other, from broad districts down to small pockets.Illinois
$140K
Median sale priceThe middle sale price each month, counting normal open-market sales. The average runs above the median when a few expensive sales pull it up. Bars show how many homes sold.
5
Sales (12 mo)How many homes sold here in the last 12 months. More sales make the other numbers more reliable.
$117K
Median valueThe middle estimated value of all homes here, not just the ones that recently sold.

Deed records through Apr 2026 · Quarterly intervals (lower sales volume)Counties take time to publish deeds, so the newest months can be incomplete and may shift as more records arrive.

Housing Stock

HomesHow many homes we have records for in this area.498
Median value (AVM)The middle estimated value of all homes here, not just the ones that recently sold.$117K
Median sizeThe middle home size here, measured in square feet.1,203 ft²
Median bedroomsThe middle bedroom count for homes here.3
Median year builtThe middle build year for homes here. A recent year means most housing is newer.1962
Single familyThe share of homes here that are single-family houses.56%

Equity & Ownership

Equity rich (LTV ≤ 50%)The share of owners who owe half or less of what their home is worth, meaning they hold a lot of equity.72%
Underwater (LTV ≥ 125%)The share of owners who owe at least 25% more than their home is worth.5.1%
Owner occupiedThe share of homes lived in by their owner rather than rented out or left empty.67%
Company ownedThe share of homes owned by a company or trust instead of a person.9.6%
Median loan-to-valueThe middle share of home value still owed on loans across all owners here.33%
Typical ownership tenureHow long the typical owner here has held their home.126.6 yrs

CommunityThese are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.189
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.84
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.112

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.8.0%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.12%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.495
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,232 / mi²
Median household incomeThe middle household income here — half of households earn more, half earn less.$46K
Average household incomeThe average household income. It runs higher than the median when a few high earners pull it up.$56K
Average tempThe average temperature here across a full year.54°F
Annual precipHow much rain and melted snow falls here in a typical year.40 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.59%

How Cowden compares

By median home value, Cowden is the 12th most expensive of 12 cities in Shelby County, and its typical home is worth more than 28% of all homes in Shelby County.

Home values in Cowden

Share of homes at each estimated value.

Median
$39K$372K
cities in Shelby County ranked by median home value
#Shelby CountyMedian valueHomes
1Oconee$246K246
2Lakewood$227K196
3Sigel$196K478
4Moweaqua$185K1,217
5Shelbyville$169K3,320
6Strasburg$168K422
7Findlay$163K620
8Windsor$156K885
9Tower Hill$151K685
10Stewardson$138K581
11Herrick$118K546
12Cowden$117K498

About the Cowden market

What is the median home price in Cowden, IL?

The median sale price in Cowden, IL is $140,000 (data through April 2026), based on deeds recorded with the county.

How many homes sell in Cowden, IL each year?

5 homes sold in Cowden, IL over the last 12 months (data through April 2026). TopHap counts recorded arm's-length deeds, not listings, so the figure is not affected by which brokerage handled the sale.

How many homes are there in Cowden, IL?

Cowden, IL contains 498 residential properties, with a median of 1,203 square feet, 3 bedrooms, built around 1962. The median TopHap Estimate is $117K.

How does Cowden, IL compare to the rest of Shelby County?

By median home value, Cowden, IL is the 12th most expensive of 12 cities in Shelby County. Its typical home is worth more than 28% of all homes in Shelby County. Herrick ranks just above it. The ranking is rebuilt nightly from the county assessor record of every home in each area.

Do people own or rent in Cowden, IL?

67% of homes in Cowden, IL are owner-occupied. 10% are held by a company rather than an individual.

How much equity do owners in Cowden, IL hold?

72% of mortgaged homes in Cowden, IL are equity-rich, meaning the loan balance is under half the home's value. 5.1% owe more than the home is worth.

Nearby markets

Browse addresses

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Explore Cowden on the map

See every recorded sale, price heat map, school zone and flood overlay across Cowden in TopHap’s interactive 3D map.

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A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
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