Cozad, NE—69130
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Cozad, NE
As of Oct '25, the median home price in Cozad, NE is $172,000, with a year-over-year change of 2.5%. This indicates that home prices in Cozad, NE are increasing. According to Zillow, the 1-year price projection is 1.1%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $172,000 | 2.5% |
| Single Family | $172,000 | 3.0% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $118,000 | 2.6% |
3 Bed | $186,000 | 3.3% |
4 Bed | $240,000 | 3.0% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Cozad, NE
Cozad, NE lacks sufficient rental market data for analysis.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | N/A | N/A |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Cozad, NE
As of Oct '25, Realtor.com reports that the median days on market for a home in Cozad, NE is 68. This is a decrease of -74.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 17.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $277,000 | -4.0% |
Listing Count | 24 | -1.0% |
| Listings as % of Homes | 0.9% | -1.0% |
Days on Market | 68 | -74.0% |
Demographics — Cozad, NE
As of the latest ACS Survey released in 2023, Cozad, NE has a population of 5,060, which has remained stable by -1.0% over the past 5 years. Cozad, NE is a moderately popular place for families, as children make up 22.9% of the population. The area has a poorly educated workforce, with 15.5% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 2.3% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 5,060 | -1.0% |
% Under 18 | 22.9% | -1.7% |
% Seniors | 27.3% | 35.1% |
% WFH | 2.3% | 0.0% |
% w/ College Degree | 15.5% | -20.5% |
As of the latest ACS Survey released in 2023, Cozad, NE is a predominantly white area, with 85.8% of the population identifying as white. The white population has grown by 2.8% in the last 5 years. The second most common race or ethnicity in Cozad, NE is hispanic, making up 10.3% of the population. Foreign-born residents account for 5.7% of the population in Cozad, NE, and this percentage has increased by 18.8% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 85.8% | 2.8% |
% Black | 1.6% | -5.9% |
% Hispanic | 10.3% | -24.8% |
% Asian | 0.6% | 20.0% |
% Foreign Born | 5.7% | 18.8% |
Mortgage and Risk — Cozad, NE
According to HUD data as of 2023, there were 68 mortgage originations in Cozad, NE, of which 72.0% of loans were conventional mortgages. The average loan-to-value was 74.0%, with 31.0% above 90% LTV (very high). This implies large mortgage risk in Cozad, NE. Investor activity is low, as 1.0% of loans were by investors. 10.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 68 |
% Conventional Loans | 72.0% |
% Government Loans | 28.0% |
% Investor Loans | 1.0% |
% Second Loans | 9.0% |
% Cash Out Refinance | 10.0% |
Loan Activity
Rentals and Section 8 — Cozad, NE
Cozad, NE lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 152 |
Total Units Section 8 | 96 |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | 67.3% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $820 |
| 2 Bedroom | N/A | N/A | $910 |
| 3 Bedroom | N/A | N/A | $1,140 |
| 4 Bedroom | N/A | N/A | $1,200 |
Affordability — Cozad, NE
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.6 |
| Median Home Price | $172,000 |
| Median Household Income | $58,300 |