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Featured local agent — Cozad, NE
Sarah Mitchell
Compass Real Estate · Cozad, NE
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Cozad, NE Housing Market
The typical home in Cozad, NE is worth $180,792, rose 2.0% over the past year (Zillow Home Value Index, August 2026). The last median sale price Redfin published was $25,000, -82.5% year over year (through May 2026). With 15.0 months of supply and homes going under contract in about 4 days, Cozad is a leaning buyer's. At today's 7.03% 30-year fixed rate, 20% down on a $180,792 home is about $965/mo in principal and interest.
Key numbers for Cozad, NE
Typical home value
$180,792
+2.0% in 12 months
Zillow, August 2026
Median sale price
$25,000
-82.5% year over year
Redfin, through May 2026
Days on market
4
Fast-moving
Redfin, through May 2026
Active listings
15
15.0 months of supply
Redfin, through May 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$50,161
Home costs 3.6x income
U.S. Census ACS, 2023
Sale-to-list ratio
100.0%
Selling above asking
Redfin, through May 2026
Zillow figures are as of August 2026 and refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Cozad a buyer's or seller's market?
Cozad, NE is a leaning buyer's, based on 15.0 months of supply and homes selling in about 4 days. Above 7 months of supply is a glut: inventory is well ahead of the sales pace, and buyers can take time to inspect, compare, and negotiate concessions.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Cozad housing market data show?
Every row below is Redfin's final published month for Cozad, NE. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $25,000 |
| Median list price | $200,000 |
| Year-over-year price change | -82.5% |
| Median price per sq ft | $24/sq ft |
| Median days on market | 4 days |
| Active inventory | 15 listings |
| Months of supply | 15.0 months |
| Sale-to-list price ratio | 100.0% |
| Homes sold (that month) | 1 |
| New listings (that month) | 7 |
| Listings with a price cut | 26.7% |
| Market condition | Leaning buyer's |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Cozad is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Cozad is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Cozad home prices moved?
Over the last three years the median sale price in Cozad, NE fell 80.0%, from $125,000 to $25,000. The live Zillow value series has rose 2.0% in the last 12 months, which is the more current read now that Redfin's series has stopped. 26.7% of Cozad listings cut their asking price in the final Redfin month — a high share, and the clearest sign that list prices were running ahead of what buyers would pay. For prices to fall meaningfully from here, supply would have to keep building past 15.0 months while the sale-to-list ratio slips below its current 100.0%. Watch those two together — they move before the median does.
Redfin, through May 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Cozad?
Priced off the typical home value of $180,792 at the current 7.03% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $36,158 | $144,634 | $965/mo |
| 5% | $9,040 | $171,752 | $1,146/mo |
Zillow, August 2026 for the price · Freddie Mac via FRED, September 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $965, that implies roughly $41,364 a year before you add taxes and insurance. The median household in Cozad earns $50,161, about $8,797 more than that threshold — the typical local household clears the payment on a typical local home with 20% down. That puts the price-to-income ratio at 3.6x — above the historical 3x norm but in line with much of the country in 2026.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Cozad in the next 12 months?
Tell us your timeline. We send the Cozad market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Cozad?
Zillow does not publish a rent index (ZORI) for Cozad, NE, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in Cozad?
Active listings in Cozad, NE went from 7 in April 2025 to 15 in May 2026, a +114.3% change. Rising inventory is the single most useful leading indicator for buyers: more choice, longer marketing times, and more sellers willing to negotiate before price cuts show up in the median.
| Month | Active listings | New listings |
|---|---|---|
| May 2025 | 5 | not published |
| June 2025 | 4 | 5 |
| July 2025 | 4 | 3 |
| August 2025 | 12 | 9 |
| September 2025 | 11 | 3 |
| October 2025 | 10 | 4 |
| November 2025 | 8 | 2 |
| December 2025 | 7 | 1 |
| January 2026 | 11 | 4 |
| February 2026 | 13 | 3 |
| April 2026 | 14 | 1 |
| May 2026 | 15 | 7 |
Redfin, through May 2026
How does Cozad compare to Nebraska and the U.S.?
Cozad homes sell for $25,000 — 92% below the Nebraska median of $319,100. Against the national median of $410,700, Cozad runs 94% lower. Year-over-year, Cozad moved -82.5% against Nebraska's +2.8% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Cozad, NE | $25,000 | -82.5% | 4 days |
| Nebraska statewide | $319,100 | +2.8% | 27 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through May 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Cozad
What buyers should watch
- Months of supply, currently 15.0. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The share of listings cutting price, currently 26.7%. A listing that has already cut once is the one most likely to accept below asking.
- The gap between 5% and 20% down here is $181 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 7.03%, every full point of rate change moves the payment on a $180,792 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Cozad listing goes under contract in 4 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 100.0% of asking. Price at the number you want and let competition do the rest.
- In the last published month Cozad added 7 new listings against 1 sales — more competition arriving than clearing, so early timing matters.
- Your equity moved +2.0% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside Cozad varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Cozad
There are currently 15 homes listed for sale in Cozad, Nebraska. The median listing price is $200K.
Active listings
15
Homes on market
Median list price
$200K
Avg. days on market
4
Days until sale
New this week
7
Newly listed
How much do homes cost in Cozad by property type?
How the Cozad, NE market breaks down across single-family homes, condos and townhouses. Redfin, through May 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $25,000 | $24/sq ft | 1 | 4 days |
Who lives in Cozad?
American Community Survey estimates for Cozad. U.S. Census ACS, 2023
Population
3,944
Households
1,750
Median income
$50,161/yr
Median age
43.7 years
Owner-occupied
64.7%
Median home value
$118,600
Median gross rent
$820/mo
Mean commute
18.5 min
64.7% of occupied homes in Cozad are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market. The Census self-reported median home value is $118,600 against Zillow's $180,792 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions.
Which public schools serve Cozad?
4 schools tracked · 967 students
The largest public schools serving Cozad, NE by enrollment, drawn from the National Center for Education Statistics. School quality is a commonly cited factor in home-buying decisions — these are the campuses families in this area are most likely to encounter.
COZAD ELEMENTARY SCHOOL
Grades PK-5 · 445 students
COZAD HIGH SCHOOL
Grades 9-12 · 245 students
COZAD MIDDLE SCHOOL
Grades 6-8 · 201 students
COZAD EARLY EDUCATION CENTER
Grades PK · 76 students
Source: National Center for Education Statistics, Common Core of Data directory. Updated annually. Ratings and test scores are not currently displayed.
Which cities are near Cozad, NE?
Ordered by distance from Cozad, not by size. Compare Cozad side by side with any of them.
Cozad housing market FAQ
Is Cozad a buyer's or seller's market?
Cozad, NE is currently a leaning buyer's. That read comes from 15.0 months of supply, homes going under contract in about 4 days, and sellers getting 100.0% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Cozad?
The typical home in Cozad, NE is worth $180,792 (Zillow Home Value Index, August 2026). The median sale price in the last month Redfin published was $25,000, about $24 per square foot.
Is Cozad cheaper than the rest of Nebraska?
Cozad's median sale price of $25,000 is 92% lower than the Nebraska statewide median of $319,100, and 94% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Cozad?
Homes in Cozad, NE spent a median of 4 days on market before going under contract, versus 27 days statewide. Under three weeks means well-priced listings move before most buyers can schedule a second showing. (Redfin, through May 2026.)
What income do you need to buy a home in Cozad?
At the current 30-year fixed rate of 7.03%, 20% down on a $180,792 home is about $965 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $41,364 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $50,161.
Are home prices rising in Cozad?
The typical home value in Cozad, NE rose 2.0% over the last 12 months, from $177,179 to $180,792 (Zillow, August 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Cozad?
Cozad ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Cozad?
That depends on your timeline, not on a headline. What the data says today: Cozad, NE is a leaning buyer's with 15.0 months of supply, the 30-year fixed rate is 7.03%. Properties Incorporated publishes the data; it does not give financial advice.
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