Data through September 2026 · updated 2026-11-08 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$125,551+5.0% YoY · prices are rising fast
Market right nowBalanced, leaning sellersMore homes for sale than last year, 19% have cut their price
Income needed to buy, per year$27,217About 0.4× the local median income ($60,819): affordable for a typical household
Days on market51 daysFaster than a year ago: sellers have the edge
The typical home in Cowley County, KS is worth $125,551, up 5.0% from a year ago. That is well above what local incomes have historically supported: fair value is about $110,167, so the area is 14.0% overvalued. It is a balanced market, leaning toward sellers: homes take about 51 days to sell, listings are up 2% from a year ago, 19% of listings have had a price cut. A household needs about $27,217 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $60,819. In the latest IRS figures, 35 more people moved out than in.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$125,551
Change in 1 year
+5.0%
Overvalued %
+14.0%
Show 6 more
Fair home value
$110,167
Change in 5 years
+32.0%
Home value to income
2.1×
Monthly mortgage payment (20% down)
$680
Income needed to afford it
$27,217
Property tax rate
1.65%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$961
Market activity
Listings vs a year ago
+1.6%
Days on market
51
Listings with a price cut
19.0%
Show 3 more
Homes for sale
127
Pending sales per 100 listings
32
Asking price per sq ft
$93
People and jobs
Median household income
$60,819
Population change (1 year)
+0.4%
Unemployment rate
3.9%
Show 4 more
Population
34,382
Income adjusted for cost of living
$70,802
Net moves in (IRS)
−35
Cost of living (US = 100)
85.9
Schools, risk and environment
School rating (1 to 10)
3.7
FEMA hazard risk score (0 to 100)
69.1
Flood risk score
56.3
Show 3 more
Wildfire risk score
91.6
Walkability (1 to 20)
6.6
Road, rail and air noise
51 dB
Questions people ask
Is Cowley County, KS overvalued?
Home prices in Cowley County, KS are well above what local incomes have historically supported: fair value is about $110,167, so the area is 14.0% overvalued.
Is Cowley County, KS a buyer's or seller's market?
Cowley County, KS is a balanced market, leaning toward sellers: homes take about 51 days to sell, listings are up 2% from a year ago, 19% of listings have had a price cut.
Are home prices going down in Cowley County, KS?
Home values in Cowley County, KS are up 5.0% over the last year.
How much do you need to earn to buy a home in Cowley County, KS?
A household needs about $27,217 a year to afford the typical home in Cowley County, KS at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $60,819.