Median Income
$46,250
38% lower than US avg
Home Value
$73,100
74% lower than US avg
Violent Crime
0/100K
100% lower than US avg
Bachelor's+
15.9%
53% lower than US avg
Median Rent
$744
36% lower than US avg
Obesity Rate
39.8%
24% higher than US avg
Unemployment
1.9%
47% lower than US avg
Poverty Rate
2.9%
77% lower than US avg
How Coldwater Compares to the U.S. Average (100% = U.S. avg)
People
Population667
Median Age61.1 yrs
Density261/mi²
Male / Female43% / 57%
Largest GroupWhite 95%
Veterans5.5%
Economy
B+
Median Income$46,250
Per Capita$36,377
Unemployment1.9%
Poverty2.9%
County GDP$71M
Commute10 min
Housing
A+
Home Value$73,100
Rent$744
Ownership66.6%
Zillow$85,427
Housing Units484
Rent Burden31.7%
Crime
Violent0/100K
Property0/100K
Health
Obesity39.8%
Uninsured9.1%
Smoking16.5%
Depression23.7%
Heart Disease5.6%
Climate
Avg Temp59°F (15°C)
AQI39 (Good)
Rain25.3 in/yr
Sunny Days323/yr
Elevation2,095 ft (639 m)
Education
C
Bachelor's+15.9%
High School+92.3%
Graduate+5.2%
School Score6.07
Community
2024 VoteR 83% / D 15%
Commute10 min
Broadband81.0%
EV Stations1
Libraries3
Is Coldwater a Good Place to Live?
Based on current data, Coldwater receives an overall livability score of 3.7 out of 5.0, earning a grade of B+. Key strengths include low unemployment, low crime rates, affordable housing, abundant sunshine. Areas to be aware of include below-average incomes, high obesity rates. Coldwater offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Coldwater is $46,250, 38% below the national average of $75,149. The job market is very strong with unemployment at just 1.9%. Only 2.9% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 10 minutes, shorter than most U.S. cities.
Cost of Living & Housing
The median home value in Coldwater is $73,100, 74% below the national median / offering relatively affordable homeownership. Renters pay a median of $744 per month, below the national average / a plus for affordability. At just 1.6x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Coldwater is a very safe community with a violent crime rate of 0 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 0 per 100,000, 100% below the national average.
Education
15.9% of residents hold a bachelor's degree, below the national average of 33.7%. 92.3% have completed high school. Local schools score 6.1/10 in standardized testing, reflecting strong academic performance.
Climate & Weather
Coldwater enjoys a moderate climate with an average annual temperature of 59°F. Winters average 37°F in January while summers reach 82°F in July. With 323 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 25.3 inches, including 17.1 inches of snow. Air quality is rated Good with a median AQI of 39.
Coldwater has a population of 667 with a density of 261 people per square mile, spread across 3.0 square miles. The median age is 61.1 years, 57% older than the national median of 38.9. The gender split is 56.8% female and 43.2% male. The city is predominantly White (94.8%), with 4.3% Hispanic. English is the primary language spoken at home by 98% of residents. 5.5% of the population are veterans. 31.7% of residents have a disability (above the 13.0% national average). 94.6% have health insurance coverage.
Population
61.1yrs
Median Age
57% above US avg
Race & Ethnicity
Coldwater vs U.S. Average
Language Spoken at Home
English Only
98.0%
25% above US avg
Spanish
2.0%
85% below US avg
Social Characteristics
Coldwater vs U.S. Average
The median household income in Coldwater is $46,250, which is 38% below the national average of $75,149. Per capita income is $36,377. The average weekly wage is $795, 44% lower than the U.S. average. The unemployment rate is 1.9% (below the 3.6% US average). 2.9% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 94 business establishments, including 4 restaurants. The cost of living index is 90.1, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 10 minutes (shorter than the 28-minute US average). 1.6% of workers work from home (below the 15.2% national rate).
Income: Coldwater vs U.S.
Income
| Median HH Income | $46,250 |
| 38% below US avg |
| Per Capita Income | $36,377 |
| Avg Weekly Wage | $795 |
| IRS Avg AGI | $53,675 |
| Gini Index | 0.403 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 1.9% |
| 47% below US avg |
| Poverty Rate | 2.9% |
| 77% below US avg |
| Establishments (County) | 94 |
| County GDP | $71M |
Business (County)
| Restaurants | 4 |
| Healthcare | 4 |
| Retail | 14 |
| Manufacturing | 6 |
Tax & Cost of Living
| |
| Cost of Living | 90.10 (100=avg) |
Commute & Transportation
| Commute Time | 10.2 min |
| Drive Alone | 81.6% |
| Public Transit | 0.0% |
| Work from Home | 1.6% |
The median home value in Coldwater is $73,100, 74% below the national median of $281,900. Zillow estimates the typical home value at $85,427, higher than the Census estimate. Monthly rent averages $744 (36% below the national average of $1,163). Fair market rent ranges from $753 for a one-bedroom to $947 for a two-bedroom apartment. 66.6% of housing units are owner-occupied. There are 484 total housing units in the city. The median year a home was built is 1951. 31.7% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 1.6x, well within the affordable range.
Home Values
| Census Median | $73,100 |
| 74% below US avg |
| Zillow ZHVI | $85,427 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $744 |
| 36% below US avg |
| Rent Burden | 31.7% |
HUD Fair Market Rent
| Studio | $702 |
| 1 Bedroom | $753 |
| 2 Bedrooms | $947 |
| 3 Bedrooms | $1,223 |
| 4 Bedrooms | $1,397 |
Ownership & Property
| Homeownership | 66.6% |
| Owner-Occupied | 66.6% |
| Renter-Occupied | 33.4% |
| Housing Units | 484 |
| Median Year Built | 1951 |
Property Tax
In Coldwater, 39.8% of adults are obese, above the national rate of 32.1%. 9.6% have diabetes. Heart disease affects 5.6% of residents. 31.6% have high blood pressure. 16.5% are current smokers. 18.2% report binge drinking. 26.4% are physically inactive. 23.7% report depression (above the 20.0% national average). 18.6% experience frequent mental distress. 9.1% of residents lack health insurance. The primary care physician ratio is 1:835. 44.5% of residents have access to exercise opportunities. The food environment index is 8.4 out of 10.
Health Metrics: Coldwater vs U.S. Average (%)
Chronic Conditions
| Obesity | 39.8% |
| 24% above US avg |
| Diabetes | 9.6% |
| Heart Disease | 5.6% |
| High Blood Pressure | 31.6% |
| Asthma | 10.7% |
| COPD | 6.7% |
| Cancer | 7.3% |
| Stroke | 2.9% |
Behaviors & Mental Health
| Smoking | 16.5% |
| 18% above US avg |
| Binge Drinking | 18.2% |
| Physical Inactivity | 26.4% |
| Depression | 23.7% |
| Mental Distress | 18.6% |
| Physical Distress | 12.8% |
| Short Sleep | 35.9% |
Healthcare Access
| Insurance Rate | 94.6% |
| Uninsured | 9.1% |
| 6% above US avg |
| Primary Care | 1:835 |
| Mental Health | 1:1,655 |
| Checkup Rate | 74.7% |
| Dental Visits | 65.5% |
| Premature Death | 10,221/100K |
Food & Exercise
| Food Environment | 8.4/10 |
| Exercise Access | 44.5% |
| Healthcare Facilities | 4 |
Coldwater has a violent crime rate of 0 per 100,000 residents, 100% below the national average of 380. Property crime stands at 0 per 100,000, 100% below the U.S. average. The area has experienced 182 federally declared disasters.
Crime Rates: Coldwater vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 0.0/100K |
| 100% below US avg |
| |
Property Crime
| Total Property | 0.0/100K |
| 100% below US avg |
Traffic Safety
| Avg Accident Severity | 0.0 / 4.0 |
| FEMA Disasters | 182 |
Safety Score
Coldwater enjoys a temperate climate with an average annual temperature of 59°F (15°C). Winters average 37°F in January while summers reach 82°F in July. The area gets 323 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 25.3 inches (drier than the 38-inch national average). The area receives 17.1 inches of snow annually, a moderate snowfall amount. Air quality is rated Good with a median AQI of 39. The city sits at an elevation of 2,095 feet.
Temperature
37°F Jan (3°C)
82°F Jul (28°C)
| Annual Average | 59.3°F |
| 10% above US avg |
| January Average | 37°F (3°C) |
| July Average | 82°F (28°C) |
| Sunny Days | 323 days/yr |
Geography
| Elevation | 2,095 ft (639 m) |
| Area | 3.0 sq mi (7.7 km²) |
| Population Density | 261/sq mi |
| Coordinates | 37.2675°N, 99.3234°W |
| Timezone | America/Chicago |
| County | Comanche County County |
| Nearest Airport | Pratt Regional (PTT)
44 miles away |
Precipitation & Snow
Annual Rainfall
25.3"
33% below US avg
Wettest Month (Jun)
3.74"
Air Quality
| AQI Median | 39.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 20.2 / 100 |
| Social Vulnerability | 61.3 / 100 |
| Community Resilience | 43.5 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Relatively Moderate |
| Flood |
Very Low |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Low |
| Heat Wave |
Very Low |
| Winter Weather |
Very Low |
| Lightning |
Very Low |
| Ice Storm |
Relatively Low |
| Drought |
Relatively Moderate |
| Cold Wave |
Relatively Low |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
2,362 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M5.1. Most recent: M2.5 on Aug 23, 2025.
| Feb 13, 2016 |
18 km SE of Waynoka, Oklahoma |
M5.1 |
102 km |
| Jan 7, 2016 |
16 km SE of Waynoka, Oklahoma |
M4.7 |
101 km |
| Jan 31, 2022 |
7 km NW of Medford, Oklahoma |
M4.5 |
143 km |
| Jan 19, 2020 |
2 km W of South Hutchinson, Kansas |
M4.5 |
146 km |
| Jul 20, 2015 |
7 km SSE of Byron, Oklahoma |
M4.4 |
106 km |
| Jul 9, 2016 |
17 km SE of Waynoka, Oklahoma |
M4.4 |
103 km |
| Jun 9, 2018 |
8 km E of Nescatunga, Oklahoma |
M4.4 |
125 km |
| Jan 7, 2016 |
16 km SE of Waynoka, Oklahoma |
M4.4 |
101 km |
| Jan 7, 2016 |
17 km SE of Waynoka, Oklahoma |
M4.4 |
103 km |
| Jul 29, 2014 |
9 km E of Nescatunga, Oklahoma |
M4.3 |
127 km |
| Jul 8, 2016 |
17 km SE of Waynoka, Oklahoma |
M4.2 |
102 km |
| May 13, 2017 |
17 km SE of Waynoka, Oklahoma |
M4.2 |
102 km |
| Jul 8, 2016 |
17 km SE of Waynoka, OK |
M4.2 |
102 km |
| Feb 19, 2021 |
6 km SW of Manchester, Oklahoma |
M4.2 |
114 km |
| Feb 5, 2015 |
8 km NE of Cherokee, Oklahoma |
M4.2 |
105 km |
| Aug 16, 2019 |
3 km W of South Hutchinson, Kansas |
M4.2 |
145 km |
| Jan 18, 2016 |
Oklahoma |
M4.1 |
137 km |
| Sep 15, 1995 |
7 km NNW of Alva, Oklahoma |
M4.1 |
72 km |
| Aug 18, 2019 |
5 km WSW of South Hutchinson, Kansas |
M4.1 |
143 km |
| Jun 5, 2015 |
3 km SW of Danville, Kansas |
M4.1 |
124 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
648 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF5. Total: 15 fatalities, 112 injuries.
| Date |
Rating |
Distance |
Fatalities |
| May 4, 2007 |
EF5 |
15 km |
11 |
| May 18, 2013 |
EF4 |
98 km |
0 |
| Apr 17, 1976 |
EF4 |
74 km |
0 |
| Jun 4, 1955 |
EF4 |
67 km |
0 |
| May 4, 1950 |
EF4 |
87 km |
0 |
| May 17, 2019 |
EF3 |
73 km |
0 |
| May 24, 2016 |
EF3 |
67 km |
0 |
| May 24, 2016 |
EF3 |
92 km |
0 |
| May 24, 2016 |
EF3 |
76 km |
0 |
| May 19, 2012 |
EF3 |
98 km |
0 |
| May 19, 2012 |
EF3 |
97 km |
0 |
| Apr 14, 2012 |
EF3 |
39 km |
0 |
| Apr 14, 2012 |
EF3 |
84 km |
0 |
| May 23, 2008 |
EF3 |
66 km |
2 |
| May 23, 2008 |
EF3 |
37 km |
0 |
| May 23, 2008 |
EF3 |
59 km |
0 |
| May 23, 2008 |
EF3 |
40 km |
0 |
| May 23, 2008 |
EF3 |
70 km |
0 |
| May 4, 2007 |
EF3 |
41 km |
0 |
| May 4, 2007 |
EF3 |
78 km |
1 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: OKS - STARBUCK (657,299 ac, 2017).
| Year |
Name |
Acres |
Distance |
| 2017 |
OKS - STARBUCK |
657,299 |
55 km |
| 2016 |
ANDERSON CREEK FIRE |
374,523 |
47 km |
| 1996 |
UNNAMED |
88,943 |
44 km |
| 2017 |
OKS - 283 |
68,558 |
75 km |
| 2016 |
350 COMPLEX |
58,055 |
69 km |
| 2018 |
34 COMPLEX |
57,533 |
76 km |
| 2017 |
OKS - SELMAN |
44,767 |
76 km |
| 2024 |
SLAPOUT FIRE |
23,810 |
97 km |
| 1996 |
UNNAMED |
23,123 |
92 km |
| 2015 |
BOILING SPRINGS FIRE |
20,264 |
80 km |
| 2022 |
217 |
18,293 |
81 km |
| 1994 |
UNNAMED |
16,448 |
30 km |
| 2016 |
BUFFALO |
16,160 |
52 km |
| 2006 |
UNNAMED |
8,750 |
94 km |
| 2022 |
GARFIELD |
8,650 |
93 km |
| 2008 |
LARKIN |
8,397 |
35 km |
| 2008 |
UNNAMED |
6,276 |
40 km |
| 1994 |
UNNAMED |
5,764 |
21 km |
| 2020 |
EWB |
5,706 |
46 km |
| 2006 |
UNNAMED |
5,494 |
94 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
37°F (3°C) |
0.6 in |
Driest |
| February |
37°F (3°C) |
0.8 in |
|
| March |
46°F (8°C) |
2.0 in |
|
| April |
56°F (13°C) |
2.1 in |
|
| May |
65°F (19°C) |
3.7 in |
|
| June |
75°F (24°C) |
3.7 in |
Wettest |
| July |
82°F (28°C) |
3.0 in |
Warmest |
| August |
79°F (26°C) |
3.0 in |
|
| September |
70°F (21°C) |
2.4 in |
|
| October |
59°F (15°C) |
2.0 in |
|
| November |
44°F (7°C) |
1.3 in |
|
| December |
35°F (2°C) |
0.8 in |
Coldest |
Coldwater has a seasonal temperature swing of 47°F / from 35°F in December to 82°F in July. Total annual precipitation is 25.4 inches, with June being the wettest month (3.7") and January the driest (0.6").
Average costs for common services in Coldwater. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$225 ($135–$360) |
| Specialist Visit |
$315 ($180–$496) |
| Urgent Care Visit |
$180 ($90–$315) |
| Emergency Room Visit |
$1,982 ($721–$4,505) |
| Dental Cleaning |
$117 ($68–$180) |
| Dental Filling |
$225 ($135–$360) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$41 ($23–$68) |
| Oil Change (Synthetic) |
$68 ($45–$108) |
| Brake Pad Replacement |
$270 ($135–$451) |
| Tire Rotation |
$36 ($18–$68) |
| New Tires (Set of 4) |
$541 ($360–$901) |
| Battery Replacement |
$180 ($90–$315) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$90 ($54–$135) |
| Electrician (Per Hour) |
$81 ($45–$126) |
| HVAC Repair |
$360 ($135–$721) |
| HVAC System Install |
$6,307 ($3,604–$10,812) |
| Roof Repair |
$901 ($360–$1,802) |
| Roof Replacement |
$8,109 ($4,956–$13,515) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,352 ($451–$3,154) |
| Divorce (Contested) |
$13,515 ($4,505–$27,030) |
| DUI Defense |
$4,505 ($1,802–$9,010) |
| Bankruptcy (Chapter 7) |
$1,352 ($721–$2,703) |
| Will Preparation |
$451 ($180–$901) |
| Trust Preparation |
$2,253 ($901–$4,505) |
View all 12 services
Personal Care
| Men's Haircut |
$23 ($14–$41) |
| Women's Haircut |
$50 ($27–$90) |
| Hair Coloring (Full) |
$135 ($68–$225) |
| Manicure |
$23 ($14–$41) |
| Pedicure |
$36 ($23–$59) |
| Massage (1 Hour) |
$72 ($45–$117) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.69 ($2.70–$4.96) |
| Dozen Eggs (per dozen) |
$3.15 ($2.25–$4.51) |
| Loaf of Bread |
$3.42 ($2.25–$4.96) |
| Chicken Breast (per lb) |
$4.05 ($2.70–$5.86) |
| Ground Beef (per lb) |
$4.96 ($3.60–$6.76) |
| Rice (per lb) |
$0.90 ($0.54–$1.62) |
View all 20 services
Utilities
| Electricity (Monthly) |
$126 ($72–$225) |
| Natural Gas (Monthly) |
$63 ($27–$135) |
| Water/Sewer (Monthly) |
$63 ($36–$108) |
| Internet (Monthly) |
$63 ($36–$90) |
| Cell Phone Plan (Monthly) |
$59 ($27–$90) |
| Cable TV (Monthly) |
$77 ($45–$135) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$180 ($68–$451) |
| Car Insurance (Annual) |
$1,802 ($1,081–$3,154) |
| Bus Pass (Monthly) |
$63 ($27–$117) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.21–$23) |
| Car Registration (Annual) |
$90 ($27–$225) |
| Driver's License Renewal |
$27 ($14–$68) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,081 ($541–$2,253) |
| Daycare (Toddler, Monthly) |
$901 ($451–$1,802) |
| After-School Care (Monthly) |
$360 ($180–$631) |
| Tutoring (Per Hour) |
$45 ($23–$90) |
| SAT/ACT Prep Course |
$901 ($360–$2,253) |
| Private School (K-12, Annual) |
$11,263 ($4,505–$27,030) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$54 ($27–$90) |
| Dog Vaccination (Annual) |
$90 ($45–$180) |
| Dog Grooming |
$54 ($27–$90) |
| Pet Boarding (Per Night) |
$36 ($18–$68) |
| Dog Spay/Neuter |
$270 ($135–$451) |
| Cat Spay/Neuter |
$180 ($90–$360) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $414 |
| Toddler | $423 |
| Preschool | $423 |
| Family Childcare (monthly) |
| Infant | $426 |
| Toddler | $361 |
| Preschool | $361 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Coldwater
What is the population of Coldwater?
Coldwater has a population of 667 residents and is located in Kansas. The population density is 261 people per square mile, spread across 3.0 square miles. The median age of residents is 61.1 years, which is older than the national median of 38.9 years. The population is 56.8% female and 43.2% male.
Is Coldwater expensive to live in?
Coldwater is more affordable than the national average, with a cost of living index of 90.1 / below the baseline of 100. The median household income is $46,250, 38% below the national average of $75,149. The median home value is $73,100 (74% below the U.S. median). Renters pay a median of $744 per month, below the national average of $1,163. The home price-to-income ratio is 1.6x, indicating housing is reasonably affordable relative to local income levels.
Is Coldwater safe?
Coldwater is considered a very safe city with a violent crime rate of 0 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 0 per 100,000 (below the national average).
What is the weather like in Coldwater?
Coldwater enjoys a temperate climate with an average annual temperature of 59°F (15°C). Winter temperatures average 37°F in January, while summers reach an average of 82°F in July. The area receives 323 sunny days per year, well above the national average of 205. Annual rainfall totals 25.3 inches, with 17.1 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 39.
How is the job market in Coldwater?
The job market in Coldwater is very strong, with unemployment at just 1.9% / well below the national rate of 3.6%. The average weekly wage is $795. There are 94 business establishments in the area, including 4 restaurants and food service locations. The average commute time is 10 minutes, and 1.6% of workers work from home.
How much does housing cost in Coldwater?
The median home value in Coldwater is $73,100. Zillow estimates the typical home value at $85,427. For renters, the median monthly rent is $744. Fair market rent is $753 for a 1-bedroom and $947 for a 2-bedroom apartment. The homeownership rate is 66.6%.
How are the schools in Coldwater?
Schools in Coldwater score 6.1 out of 10 on standardized testing, near the national average. 15.9% of adults in Coldwater hold a bachelor's degree or higher, below the national average of 33.7%. 92.3% have completed high school. 5.2% hold a graduate or professional degree.
How healthy is Coldwater?
The obesity rate in Coldwater is 39.8% (above the national rate of 32.1%). 16.5% of adults are smokers. 26.4% are physically inactive. 23.7% of residents report depression. 9.1% lack health insurance. 44.5% of residents have access to exercise opportunities. The primary care physician ratio is 1:835.
What is transportation like in Coldwater?
The average commute in Coldwater is 10 minutes, shorter than the national average of 28 minutes. 81.6% of workers drive alone to work, and 1.6% work from home.
What are the demographics of Coldwater?
The racial and ethnic makeup of Coldwater is 94.8% White, 0.7% Black or African American, 4.3% Hispanic or Latino. 98% of residents speak only English at home. 5.5% of the population are military veterans. 31.7% of residents have a disability. 94.6% have health insurance coverage.
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