Compare towns
Stoy vs Cottage Township 93 miles apart. The biggest differences: property tax bill (3.8× in Cottage Township) and street grid (5.7× in Stoy).
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Stoy, IL A small town of 90 Illinois · 90 people
Where each one shines Two towns, two different strengths What each town does better than most of its state (not better than each other). Tap one to see the page behind it.
Stoy A small town of 90
Quiet strengths Stoy doesn’t stand out on the data we have Neighbors can tell you what the numbers miss.
All about Stoy →
The biggest differences Where they differ most The rows below where the towns are furthest apart, beyond the Census margin of error. The full table is further down.
★ What stands out · Monthly cost A typical home costs $440 more a month in Cottage Township A typical home in each town, bought with 20% down at 6.3% for 30 years, plus property tax at the town’s own rate and insurance. Change the numbers to fit you.
Down payment3.5% 10% 20% Rate
Stoy $530 /mo
Typical home $79K (Census) · tax rate 1.82% · Housing →
Cottage Township $970 /mo
Typical home $113K (Census) · tax rate 4.00% · Housing →
The difference: $440 a month , about $5,300 a year , between Cottage Township and Stoy.
Estimates, not a quote: your price, rate, tax bill and insurance will differ. Tax rate = the Census median tax bill over the median home value.
Life in each What daily life feels like in each The weather, the land, the history and the people, row by row. None of it is a grade: more snow is a plus to a skier.
Seasons
Growing season (days) — 181d Outdoors & history
Community
A dot marks the most on each row. Climate: NOAA 1991–2020 normals at the nearest station. Hazard risk: FEMA National Risk Index, expected yearly damage vs U.S. towns.
Where they are 93 miles apart Straight-line miles between town centers.
Stoy ↔ Cottage Township 93 miles apart
Everything, side by side What matters to you? Pick a few. Those rows jump to the top and the best fit on each is marked. There’s no overall score: what matters is up to you.
Raising kids Affordability Owning a home Short commute Working from home Younger crowd Settled, older crowd Growing town Outdoorsy Walkable streets
Population
90 Lowest 133 Highest
Median age
47.2 ±13.2 Highest 21% above IL 46.7 ±25.3 Lowest 20% above IL
Kids under 18
13.3% ±26.8 Lowest IL: 21.8% 21.1% ±33.6 Highest IL: 21.8%
Age 65+
17.8% ±29 Lowest IL: 17% 27.8% ±20.4 Highest IL: 17%
Bachelor’s degree+adults 25+
10% Lowest IL: 37.8% 16.2% Highest IL: 37.8%
Enrolled in collegeshare of residents
0% ±20.4 Lowest IL: 6.3% 3% ±10.4 Highest IL: 6.3%
Household incomemedian
$61,875 ±$15k 26% below IL —
Home valuemedian, owner-occupied
$79,000 ±$25k Lowest 70% below IL $113,400 ±$11k Highest 57% below IL
Property taxmedian, yearly
$1,438 Lowest 73% below IL $5,417 Highest about the IL average
Below poverty line
5.6% Highest IL: 11.8% 0% Lowest IL: 11.8%
Homeownersof occupied homes
100% IL: 67.1% 100% IL: 67.1%
Typical home builtmedian year
1978 Lowest 7 yrs newer than IL 2012 Highest 41 yrs newer than IL
Average commuteone way
13 min 55% below IL —
Work from home
5.6% ±13.2 Highest IL: 15.9% 0% ±100 Lowest IL: 15.9%
Work in townworking residents
2.8% Highest 1.9% Lowest
Typical commute distancemedian, straight-line
12.8 mi Lowest 27.3 mi Highest
Jobs per working residentover 1.5 = a job hub
0.78 Lowest 1.56 Highest
Top workplaceoutside town
Robinson (25%) Harrisburg (21%)
Between these townsresidents who work in the others
Few work in Cottage Township Few work in Stoy
Conserved landshare of the town
0% Lowest 0.4% Highest
Trailsmapped miles
0.0 mi Lowest 3.0 mi Highest
Trail densitymiles per sq mi
0.0 mi Lowest 0.1 mi Highest
Parks & preservesnamed on the map
0 Lowest 1 Highest
Street connectivityintersections per sq mi, a walkability measure
9.7 Highest 1.7 Lowest
“±” Census margin of error ACS 2020–2024
Deciding? Ask the people who live there The numbers stop at the town line. Neighbors can tell you about the commute at 7am, the schools, the winters and the feel of the place.
Stoy or Cottage Township: which would you pick? → What’s it really like to live in Stoy? → Moving to Stoy: what should I know? →
Your question goes to Stoy’s Town Square.
Cottage Township or Stoy: which would you pick? → What’s it really like to live in Cottage Township? → Moving to Cottage Township: what should I know? →
Your question goes to Cottage Township’s Town Square.
Sources: U.S. Census Bureau American Community Survey 5-year estimates, 2010 & 2020 censuses, LEHD commute flows; Zillow Home Value Index; NCES Common Core of Data; FBI crime reporting; CDC PLACES; FEMA National Risk Index; NOAA U.S. Climate Normals 1991–2020; USGS PAD-US and OpenStreetMap. “±” is the Census margin of error; differences inside it are never called. Property tax is top-coded by the Census at $10,000+. There is no overall score: which town is better depends on what matters to you.
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