Median Income
$86,786
15% higher than US avg
Home Value
$182,100
35% lower than US avg
Violent Crime
394/100K
4% higher than US avg
Bachelor's+
28.0%
17% lower than US avg
Obesity Rate
40.7%
27% higher than US avg
Unemployment
0.0%
100% lower than US avg
Poverty Rate
0.0%
100% lower than US avg
How Cowan Compares to the U.S. Average (100% = U.S. avg)
People
Population110
Median Age59.3 yrs
Density306/mi²
Male / Female45% / 56%
Largest GroupWhite 100%
Veterans93.0%
Economy
A+
Median Income$86,786
Per Capita$37,007
Unemployment0.0%
Poverty0.0%
County GDP$5,403M
Commute51 min
Housing
A+
Home Value$182,100
Ownership100.0%
Zillow$249,486
Housing Units72
Rent Burden32.0%
Crime
F
Violent394/100K
Property4,121/100K
Health
Obesity40.7%
Smoking15.3%
Depression29.0%
Heart Disease5.1%
Climate
Avg Temp54°F (12°C)
AQI41 (Good)
Rain40.3 in/yr
Sunny Days275/yr
Elevation992 ft (302 m)
Education
B
Bachelor's+28.0%
High School+80.6%
Graduate+16.9%
School Score5.81
Community
2024 VoteR 57% / D 41%
Commute51 min
Broadband56.0%
EV Stations3
Libraries5
Is Cowan a Good Place to Live?
Based on current data, Cowan receives an overall livability score of 3.5 out of 5.0, earning a grade of B+. Key strengths include above-average household incomes, low unemployment, affordable housing, abundant sunshine. Areas to be aware of include long commute times, high obesity rates. Cowan offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Cowan is $86,786, 15% above the national average of $75,149. Residents generally enjoy above-average earning potential. The job market is very strong with unemployment at just 0.0%. Only 0.0% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 51 minutes, longer than the typical American commute of 28 minutes.
Cost of Living & Housing
The median home value in Cowan is $182,100, 35% below the national median / offering relatively affordable homeownership. At just 2.1x median income, home prices are very affordable relative to local earnings.
Safety & Crime
The violent crime rate of 394 per 100,000 is above the national average of 380 / something for prospective residents to consider. Property crime occurs at a rate of 4,121 per 100,000, 110% above the national average.
Education
28.0% of residents hold a bachelor's degree, below the national average of 33.7%. 80.6% have completed high school. Area schools have an average test score of 5.8/10.
Climate & Weather
Cowan experiences four distinct seasons with an average temperature of 54°F. Winters average 29°F in January while summers reach 76°F in July. With 275 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 40.3 inches. Air quality is rated Good with a median AQI of 41.
Cowan has a population of 110 with a density of 306 people per square mile, spread across 0.4 square miles. The median age is 59.3 years, 52% older than the national median of 38.9. The gender split is 55.5% female and 44.5% male. The city is predominantly White (100%). English is the primary language spoken at home by 100% of residents. 93.0% of the population are veterans, above the national rate of 6.0%. 15.5% of residents have a disability. 100.0% have health insurance coverage.
Population
59.3yrs
Median Age
52% above US avg
Language Spoken at Home
English Only
100.0%
27% above US avg
Spanish
0.0%
100% below US avg
The median household income in Cowan is $86,786, which is 15% above the national average of $75,149. Per capita income is $37,007. The average weekly wage is $987, 31% lower than the U.S. average. The unemployment rate is 0.0% (below the 3.6% US average). 0.0% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 2,354 business establishments, including 220 restaurants. The cost of living index is 93.3, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 51 minutes (longer than the 28-minute US average). 0.0% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $86,786 |
| 15% above US avg |
| Per Capita Income | $37,007 |
| Avg Weekly Wage | $987 |
| IRS Avg AGI | $58,728 |
| Gini Index | 0.448 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 0.0% |
| 100% below US avg |
| Poverty Rate | 0.0% |
| 100% below US avg |
| Establishments (County) | 2,354 |
| County GDP | $5,403M |
Business (County)
| Restaurants | 220 |
| Healthcare | 342 |
| Retail | 387 |
| Manufacturing | 106 |
Tax & Cost of Living
| Property Tax (IRS) | $3,457 |
| 1% below US avg |
| Cost of Living | 93.30 (100=avg) |
| Effective Tax Rate | 1.90% |
Commute & Transportation
| Commute Time | 50.7 min |
| Drive Alone | 76.1% |
| Public Transit | 0.0% |
| Work from Home | 0.0% |
The median home value in Cowan is $182,100, 35% below the national median of $281,900. Zillow estimates the typical home value at $249,486, higher than the Census estimate. Fair market rent ranges from $882 for a one-bedroom to $1,096 for a two-bedroom apartment. 100.0% of housing units are owner-occupied (above the 65.4% national rate). There are 72 total housing units in the city. The median year a home was built is 1947. The average annual property tax is $3,457. 32.0% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2.1x, well within the affordable range.
Home Values
| Census Median | $182,100 |
| 35% below US avg |
| Zillow ZHVI | $249,486 |
Real Estate Market (Redfin)
Rental Costs
HUD Fair Market Rent
| Studio | $816 |
| 1 Bedroom | $882 |
| 2 Bedrooms | $1,096 |
| 3 Bedrooms | $1,391 |
| 4 Bedrooms | $1,590 |
Ownership & Property
| Homeownership | 100.0% |
| Owner-Occupied | 100.0% |
| Renter-Occupied | 0.0% |
| Housing Units | 72 |
| Median Year Built | 1947 |
Property Tax
| Avg Tax (IRS) | $3,457 |
| 1% below US avg |
| Effective Rate | 1.90% |
In Cowan, 40.7% of adults are obese, above the national rate of 32.1%. 9.4% have diabetes. Heart disease affects 5.1% of residents. 32.4% have high blood pressure. 15.3% are current smokers. 18.5% report binge drinking. 23.6% are physically inactive. 29.0% report depression (above the 20.0% national average). 19.2% experience frequent mental distress. The primary care physician ratio is 1:874. The dentist ratio is 1:1,535. 76.2% of residents have access to exercise opportunities. The food environment index is 6.5 out of 10.
Health Metrics: Cowan vs U.S. Average (%)
Chronic Conditions
| Obesity | 40.7% |
| 27% above US avg |
| Diabetes | 9.4% |
| Heart Disease | 5.1% |
| High Blood Pressure | 32.4% |
| Asthma | 11.9% |
| COPD | 6.8% |
| Cancer | 7.7% |
| Stroke | 2.7% |
Behaviors & Mental Health
| Smoking | 15.3% |
| 9% above US avg |
| Binge Drinking | 18.5% |
| Physical Inactivity | 23.6% |
| Depression | 29.0% |
| Mental Distress | 19.2% |
| Physical Distress | 12.8% |
| Short Sleep | 40.7% |
Healthcare Access
| Insurance Rate | 100.0% |
| |
| Primary Care | 1:874 |
| Dentists | 1:1,535 |
| Mental Health | 1:296 |
| Checkup Rate | 77.6% |
| Dental Visits | 64.2% |
| Premature Death | 12,615/100K |
Food & Exercise
| Food Environment | 6.5/10 |
| Exercise Access | 76.2% |
| Healthcare Facilities | 342 |
Cowan has a violent crime rate of 394 per 100,000 residents, 4% above the national average of 380. Property crime stands at 4,121 per 100,000, 110% above the U.S. average. The county recorded 15 fatal traffic crashes. Overall, Cowan receives a safety grade of F.
Crime Rates: Cowan vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 393.8/100K |
| 4% above US avg |
| |
Property Crime
| Total Property | 4,121.0/100K |
| 110% above US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 15 |
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Cowan experiences four distinct seasons with an average annual temperature of 54°F (12°C). Winters average 29°F in January while summers reach 76°F in July. The area gets 275 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 40.3 inches. Air quality is rated Good with a median AQI of 41. The city sits at an elevation of 992 feet.
Temperature
29°F Jan (-2°C)
76°F Jul (24°C)
| Annual Average | 53.7°F |
| 1% below US avg |
| January Average | 29°F (-2°C) |
| July Average | 76°F (24°C) |
| Sunny Days | 275 days/yr |
Geography
| Elevation | 992 ft (302 m) |
| Area | 0.4 sq mi (0.9 km²) |
| Population Density | 306/sq mi |
| Coordinates | 40.1058°N, 85.3908°W |
| Timezone | America/Indiana/Indianapolis |
| County | Delaware County County |
| Nearest Airport | Delaware County Regional (MIE)
9 miles away |
Precipitation & Snow
Annual Rainfall
40.3"
6% above US avg
Wettest Month (May)
4.09"
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
Air Pollutants (EPA 2023)
| Ozone (O₃) | 0.0469 ppm |
| PM2.5 (Fine Particles) | 8.3 μg/m³ |
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 76.3 / 100 |
| Social Vulnerability | 49.3 / 100 |
| Community Resilience | 82.4 / 100 |
Hazard Breakdown
| Tornado |
Relatively High |
| Hurricane |
Very Low |
| Earthquake |
Relatively Low |
| Wildfire |
Very Low |
| Flood |
Relatively Moderate |
| Hail |
Relatively Moderate |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively Moderate |
| Lightning |
Relatively Moderate |
| Ice Storm |
Relatively Low |
| Drought |
Relatively Low |
| Cold Wave |
Relatively Low |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
9 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.8. Most recent: M2.6 on Jun 12, 2015.
| Sep 12, 2004 |
4 km NW of Manilla, Indiana |
M3.8 |
60 km |
| Dec 20, 1990 |
5 km S of Stilesville, Indiana |
M3.7 |
120 km |
| Apr 14, 2000 |
4 km NW of Heritage Lake, Indiana |
M3.6 |
122 km |
| Dec 17, 1990 |
Illinois-Indiana border region |
M3.2 |
141 km |
| Apr 17, 1990 |
8 km NW of Fort Recovery, Ohio |
M3.0 |
60 km |
| Apr 4, 1994 |
2 km WNW of Minster, Ohio |
M2.9 |
90 km |
| May 12, 2006 |
2 km E of Lima, Ohio |
M2.8 |
132 km |
| Jun 12, 2015 |
6 km NW of Convoy, Ohio |
M2.6 |
108 km |
| Jan 30, 2004 |
2 km S of Rockford, Ohio |
M2.5 |
89 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
594 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 50 fatalities, 1,705 injuries.
| Date |
Rating |
Distance |
Fatalities |
| May 27, 2019 |
EF4 |
85 km |
0 |
| Nov 10, 2002 |
EF4 |
92 km |
4 |
| Jun 11, 1998 |
EF4 |
60 km |
0 |
| Feb 18, 1992 |
EF4 |
98 km |
0 |
| Jul 9, 1980 |
EF4 |
55 km |
2 |
| Apr 3, 1974 |
EF4 |
12 km |
1 |
| Apr 3, 1974 |
EF4 |
45 km |
0 |
| May 14, 1972 |
EF4 |
70 km |
0 |
| Apr 11, 1965 |
EF4 |
90 km |
25 |
| Apr 11, 1965 |
EF4 |
49 km |
4 |
| Apr 11, 1965 |
EF4 |
90 km |
3 |
| Apr 25, 1961 |
EF4 |
68 km |
0 |
| Mar 6, 1956 |
EF4 |
54 km |
1 |
| Mar 14, 2024 |
EF3 |
24 km |
1 |
| Mar 31, 2023 |
EF3 |
88 km |
0 |
| Mar 31, 2023 |
EF3 |
45 km |
0 |
| May 27, 2019 |
EF3 |
77 km |
1 |
| May 27, 2019 |
EF3 |
52 km |
0 |
| May 27, 2019 |
EF3 |
80 km |
0 |
| Aug 24, 2016 |
EF3 |
78 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
29°F (-2°C) |
2.1 in |
Driest |
| February |
28°F (-2°C) |
2.2 in |
Coldest |
| March |
39°F (4°C) |
3.4 in |
|
| April |
50°F (10°C) |
3.9 in |
|
| May |
60°F (16°C) |
4.1 in |
Wettest |
| June |
69°F (21°C) |
3.9 in |
|
| July |
76°F (24°C) |
4.0 in |
Warmest |
| August |
71°F (22°C) |
3.5 in |
|
| September |
65°F (18°C) |
3.0 in |
|
| October |
53°F (12°C) |
2.7 in |
|
| November |
41°F (5°C) |
3.3 in |
|
| December |
30°F (-1°C) |
3.0 in |
|
Cowan has a seasonal temperature swing of 48°F / from 28°F in February to 76°F in July. Total annual precipitation is 39.1 inches, with May being the wettest month (4.1") and January the driest (2.1").
Average costs for common services in Cowan. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$233 ($140–$373) |
| Specialist Visit |
$327 ($187–$513) |
| Urgent Care Visit |
$187 ($93–$327) |
| Emergency Room Visit |
$2,053 ($746–$4,665) |
| Dental Cleaning |
$121 ($70–$187) |
| Dental Filling |
$233 ($140–$373) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$42 ($23–$70) |
| Oil Change (Synthetic) |
$70 ($47–$112) |
| Brake Pad Replacement |
$280 ($140–$467) |
| Tire Rotation |
$37 ($19–$70) |
| New Tires (Set of 4) |
$560 ($373–$933) |
| Battery Replacement |
$187 ($93–$327) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$93 ($56–$140) |
| Electrician (Per Hour) |
$84 ($47–$131) |
| HVAC Repair |
$373 ($140–$746) |
| HVAC System Install |
$6,531 ($3,732–$11,196) |
| Roof Repair |
$933 ($373–$1,866) |
| Roof Replacement |
$8,397 ($5,132–$13,995) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,400 ($467–$3,266) |
| Divorce (Contested) |
$13,995 ($4,665–$27,990) |
| DUI Defense |
$4,665 ($1,866–$9,330) |
| Bankruptcy (Chapter 7) |
$1,400 ($746–$2,799) |
| Will Preparation |
$467 ($187–$933) |
| Trust Preparation |
$2,333 ($933–$4,665) |
View all 12 services
Personal Care
| Men's Haircut |
$23 ($14–$42) |
| Women's Haircut |
$51 ($28–$93) |
| Hair Coloring (Full) |
$140 ($70–$233) |
| Manicure |
$23 ($14–$42) |
| Pedicure |
$37 ($23–$61) |
| Massage (1 Hour) |
$75 ($47–$121) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.83 ($2.80–$5.13) |
| Dozen Eggs (per dozen) |
$3.27 ($2.33–$4.67) |
| Loaf of Bread |
$3.55 ($2.33–$5.13) |
| Chicken Breast (per lb) |
$4.20 ($2.80–$6.06) |
| Ground Beef (per lb) |
$5.13 ($3.73–$7.00) |
| Rice (per lb) |
$0.93 ($0.56–$1.68) |
View all 20 services
Utilities
| Electricity (Monthly) |
$131 ($75–$233) |
| Natural Gas (Monthly) |
$65 ($28–$140) |
| Water/Sewer (Monthly) |
$65 ($37–$112) |
| Internet (Monthly) |
$65 ($37–$93) |
| Cell Phone Plan (Monthly) |
$61 ($28–$93) |
| Cable TV (Monthly) |
$79 ($47–$140) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$187 ($70–$467) |
| Car Insurance (Annual) |
$1,866 ($1,120–$3,266) |
| Bus Pass (Monthly) |
$65 ($28–$121) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.46–$23) |
| Car Registration (Annual) |
$93 ($28–$233) |
| Driver's License Renewal |
$28 ($14–$70) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,120 ($560–$2,333) |
| Daycare (Toddler, Monthly) |
$933 ($467–$1,866) |
| After-School Care (Monthly) |
$373 ($187–$653) |
| Tutoring (Per Hour) |
$47 ($23–$93) |
| SAT/ACT Prep Course |
$933 ($373–$2,333) |
| Private School (K-12, Annual) |
$11,663 ($4,665–$27,990) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$56 ($28–$93) |
| Dog Vaccination (Annual) |
$93 ($47–$187) |
| Dog Grooming |
$56 ($28–$93) |
| Pet Boarding (Per Night) |
$37 ($19–$70) |
| Dog Spay/Neuter |
$280 ($140–$467) |
| Cat Spay/Neuter |
$187 ($93–$373) |
View all 9 services
Frequently Asked Questions About Cowan
What is the population of Cowan?
Cowan has a population of 110 residents and is located in Indiana. The population density is 306 people per square mile, spread across 0.4 square miles. The median age of residents is 59.3 years, which is older than the national median of 38.9 years. The population is 55.5% female and 44.5% male.
Is Cowan expensive to live in?
Cowan is more affordable than the national average, with a cost of living index of 93.3 / below the baseline of 100. The median household income is $86,786, 15% above the national average of $75,149. The median home value is $182,100 (35% below the U.S. median). The home price-to-income ratio is 2.1x, indicating housing is reasonably affordable relative to local income levels.
Is Cowan safe?
The violent crime rate in Cowan is 394 per 100,000 residents, above the national average of 380. Prospective residents should research specific neighborhoods, as crime rates can vary significantly within the city. Property crime occurs at a rate of 4,121 per 100,000 (above the national average). Overall, Cowan receives a safety grade of F based on combined crime data.
What is the weather like in Cowan?
Cowan has a four-season climate with an average annual temperature of 54°F (12°C). Winter temperatures average 29°F in January, while summers reach an average of 76°F in July. The area receives 275 sunny days per year, well above the national average of 205. Annual rainfall totals 40.3 inches. Air quality is rated Good with a median Air Quality Index (AQI) of 41.
How is the job market in Cowan?
The job market in Cowan is very strong, with unemployment at just 0.0% / well below the national rate of 3.6%. The average weekly wage is $987. There are 2,354 business establishments in the area, including 220 restaurants and food service locations. The average commute time is 51 minutes, and 0.0% of workers work from home.
How much does housing cost in Cowan?
The median home value in Cowan is $182,100. Zillow estimates the typical home value at $249,486. The homeownership rate is 100.0%. The average annual property tax is $3,457.
How are the schools in Cowan?
Schools in Cowan score 5.8 out of 10 on standardized testing, near the national average. 28.0% of adults in Cowan hold a bachelor's degree or higher, below the national average of 33.7%. 80.6% have completed high school. 16.9% hold a graduate or professional degree.
How healthy is Cowan?
The obesity rate in Cowan is 40.7% (above the national rate of 32.1%). 15.3% of adults are smokers. 23.6% are physically inactive. 29.0% of residents report depression. 76.2% of residents have access to exercise opportunities. The primary care physician ratio is 1:874.
What is transportation like in Cowan?
The average commute in Cowan is 51 minutes, longer than the national average of 28 minutes. 76.1% of workers drive alone to work, and 0.0% work from home.
What are the demographics of Cowan?
The racial and ethnic makeup of Cowan is 100% White. 100% of residents speak only English at home. 93.0% of the population are military veterans. 15.5% of residents have a disability. 100.0% have health insurance coverage.
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