Median Income
$77,730
3% higher than US avg
Home Value
$215,700
23% lower than US avg
Violent Crime
22/100K
94% lower than US avg
Bachelor's+
29.2%
13% lower than US avg
Median Rent
$800
31% lower than US avg
Obesity Rate
36.1%
12% higher than US avg
Unemployment
0.4%
89% lower than US avg
Poverty Rate
1.3%
90% lower than US avg
How Coldwater Compares to the U.S. Average (100% = U.S. avg)
People
Population4,387
Median Age32.1 yrs
Density2,261/mi²
Male / Female45% / 55%
Largest GroupWhite 91%
Veterans4.2%
Economy
A+
Median Income$77,730
Per Capita$31,808
Unemployment0.4%
Poverty1.3%
County GDP$3,995M
Commute19 min
Housing
A+
Home Value$215,700
Rent$800
Ownership78.6%
Zillow$278,335
Housing Units1,692
Rent Burden22.2%
Crime
F
Violent22/100K
Property1,078/100K
Murder0.0/100K
Assault22/100K
Burglary45/100K
Health
Obesity36.1%
Uninsured7.1%
Smoking14.8%
Depression26.2%
Heart Disease5.3%
Climate
Avg Temp50°F (10°C)
AQI43 (Good)
Rain39.9 in/yr
Sunny Days275/yr
Elevation905 ft (276 m)
Education
B
Bachelor's+29.2%
High School+97.5%
Graduate+7.9%
School Score7.02
Community
2024 VoteR 83% / D 16%
Commute19 min
Broadband92.0%
EV Stations5
Libraries7
Is Coldwater a Good Place to Live?
Based on current data, Coldwater receives an overall livability score of 3.5 out of 5.0, earning a grade of B+. Key strengths include low unemployment, low crime rates, affordable housing, abundant sunshine. 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 $77,730, roughly in line with the national average of $75,149. The job market is very strong with unemployment at just 0.4%. Only 1.3% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 19 minutes, shorter than most U.S. cities.
Cost of Living & Housing
The median home value in Coldwater is $215,700, 23% below the national median / offering relatively affordable homeownership. Renters pay a median of $800 per month, below the national average / a plus for affordability. At just 2.8x 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 22 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 1,078 per 100,000, 45% below the national average.
Education
29.2% of residents hold a bachelor's degree, below the national average of 33.7%. 97.5% have completed high school. Local schools score 7/10 in standardized testing, reflecting strong academic performance.
Climate & Weather
Coldwater experiences four distinct seasons with an average temperature of 50°F. Winters average 25°F in January while summers reach 73°F in July. With 275 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 39.9 inches, including 19.4 inches of snow. Air quality is rated Good with a median AQI of 43.
Coldwater has a population of 4,387 with a density of 2,261 people per square mile, spread across 2.0 square miles. The median age is 32.1 years, 17% younger than the national median of 38.9. The gender split is 55.2% female and 44.8% male. The city is predominantly White (90.7%), with 2.2% Hispanic. English is the primary language spoken at home by 98.5% of residents. 4.2% of the population are veterans, below the national rate of 6.0%. 8.7% of residents have a disability (below the 13.0% national average). 99.0% have health insurance coverage.
Population
32.1yrs
Median Age
17% below US avg
Race & Ethnicity
Coldwater vs U.S. Average
Language Spoken at Home
English Only
98.5%
25% above US avg
Spanish
1.5%
89% below US avg
Social Characteristics
Coldwater vs U.S. Average
The median household income in Coldwater is $77,730, which is 3% above the national average of $75,149. Per capita income is $31,808 (below the $39,052 national figure). The average weekly wage is $974, 32% lower than the U.S. average. The unemployment rate is 0.4% (below the 3.6% US average). 1.3% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 1,218 business establishments, including 98 restaurants. The cost of living index is 92.8, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 19 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 | $77,730 |
| 3% above US avg |
| Per Capita Income | $31,808 |
| Avg Weekly Wage | $974 |
| IRS Avg AGI | $78,019 |
| Gini Index | 0.389 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 0.4% |
| 89% below US avg |
| Poverty Rate | 1.3% |
| 90% below US avg |
| Establishments (County) | 1,218 |
| County GDP | $3,995M |
Business (County)
| Restaurants | 98 |
| Healthcare | 83 |
| Retail | 165 |
| Manufacturing | 86 |
Tax & Cost of Living
| Property Tax (IRS) | $4,098 |
| 17% above US avg |
| Cost of Living | 92.80 (100=avg) |
| Effective Tax Rate | 1.90% |
Commute & Transportation
| Commute Time | 18.6 min |
| Drive Alone | 79.7% |
| Public Transit | 0.1% |
| Work from Home | 1.6% |
The median home value in Coldwater is $215,700, 23% below the national median of $281,900. Zillow estimates the typical home value at $278,335, higher than the Census estimate. Homes sell for 90.9% of their list price, suggesting buyers have room to negotiate. Monthly rent averages $800 (31% below the national average of $1,163). Fair market rent ranges from $873 for a one-bedroom to $1,092 for a two-bedroom apartment. 78.6% of housing units are owner-occupied (above the 65.4% national rate). There are 1,692 total housing units in the city. The median year a home was built is 1973. The average annual property tax is $4,098 (higher than the $3,500 national average). 22.2% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2.8x, well within the affordable range.
Home Values
| Census Median | $215,700 |
| 23% below US avg |
| Zillow ZHVI | $278,335 |
Real Estate Market (Redfin)
| $/Sq Ft | $143 |
| Homes Sold | 3 |
| Sale-to-List Ratio | 90.9% |
| Price Drops | 0.0% |
| Inventory | 3 |
Rental Costs
| Census Median Rent | $800 |
| 31% below US avg |
| Rent Burden | 22.2% |
HUD Fair Market Rent
| Studio | $816 |
| 1 Bedroom | $873 |
| 2 Bedrooms | $1,092 |
| 3 Bedrooms | $1,388 |
| 4 Bedrooms | $1,550 |
Ownership & Property
| Homeownership | 78.6% |
| Owner-Occupied | 78.6% |
| Renter-Occupied | 21.4% |
| Housing Units | 1,692 |
| Median Year Built | 1973 |
Property Tax
| Avg Tax (IRS) | $4,098 |
| 17% above US avg |
| Effective Rate | 1.90% |
In Coldwater, 36.1% of adults are obese, above the national rate of 32.1%. 9.4% have diabetes. Heart disease affects 5.3% of residents. 31.9% have high blood pressure. 14.8% are current smokers. 20.9% report binge drinking. 25.1% are physically inactive. 26.2% report depression (above the 20.0% national average). 18.4% experience frequent mental distress. 7.1% of residents lack health insurance. The primary care physician ratio is 1:2,015. The dentist ratio is 1:2,823. 72.1% of residents have access to exercise opportunities. The food environment index is 8.8 out of 10.
Health Metrics: Coldwater vs U.S. Average (%)
Chronic Conditions
| Obesity | 36.1% |
| 12% above US avg |
| Diabetes | 9.4% |
| Heart Disease | 5.3% |
| High Blood Pressure | 31.9% |
| Asthma | 10.6% |
| COPD | 6.2% |
| Cancer | 7.6% |
| Stroke | 2.7% |
Behaviors & Mental Health
| Smoking | 14.8% |
| 6% above US avg |
| Binge Drinking | 20.9% |
| Physical Inactivity | 25.1% |
| Depression | 26.2% |
| Mental Distress | 18.4% |
| Physical Distress | 12.0% |
| Short Sleep | 37.8% |
Healthcare Access
| Insurance Rate | 99.0% |
| Uninsured | 7.1% |
| 17% below US avg |
| Primary Care | 1:2,015 |
| Dentists | 1:2,823 |
| Mental Health | 1:923 |
| Checkup Rate | 76.5% |
| Dental Visits | 64.4% |
| Premature Death | 7,561/100K |
Food & Exercise
| Food Environment | 8.8/10 |
| Exercise Access | 72.1% |
| Healthcare Facilities | 83 |
Coldwater has a violent crime rate of 22 per 100,000 residents, 94% below the national average of 380. This breaks down to aggravated assault at 22.5 per 100,000, robbery at 0.0, rape at 0.0. The murder rate is 0.0 per 100,000 (below the national rate of 6.3). Property crime stands at 1,078 per 100,000, 45% below the U.S. average. This includes larceny/theft at 988, burglary at 45, vehicle theft at 45 per 100,000 residents. The county recorded 12 fatal traffic crashes. The area has experienced 91 federally declared disasters. Overall, Coldwater receives a safety grade of F.
Crime Rates: Coldwater vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 22.5/100K |
| 94% below US avg |
| Murder | 0.0/100K |
| 100% below US avg |
| Rape | 0.0/100K |
| Robbery | 0.0/100K |
| Assault | 22.5/100K |
Property Crime
| Total Property | 1,077.7/100K |
| 45% below US avg |
| Burglary | 44.9/100K |
| Theft | 987.9/100K |
| Vehicle Theft | 44.9/100K |
| Arson | 0.0/100K |
Traffic Safety
| Fatal Crashes (County/yr) | 12 |
| Avg Accident Severity | 0.0 / 4.0 |
| FEMA Disasters | 91 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Coldwater experiences four distinct seasons with an average annual temperature of 50°F (10°C). Winters average 25°F in January while summers reach 73°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 39.9 inches. The area receives 19.4 inches of snow annually, a moderate snowfall amount. Air quality is rated Good with a median AQI of 43. The city sits at an elevation of 905 feet.
Temperature
25°F Jan (-4°C)
73°F Jul (23°C)
| Annual Average | 50.3°F |
| 7% below US avg |
| January Average | 25°F (-4°C) |
| July Average | 73°F (23°C) |
| Sunny Days | 275 days/yr |
Geography
| Elevation | 905 ft (276 m) |
| Area | 2.0 sq mi (5.1 km²) |
| Population Density | 2,261/sq mi |
| Coordinates | 40.4830°N, 84.6333°W |
| Timezone | America/New_York |
| County | Mercer County County |
| Nearest Airport | Delaware County Regional (MIE)
43 miles away |
Precipitation & Snow
Annual Rainfall
39.9"
5% above US avg
Wettest Month (Jul)
3.82"
Air Quality
| AQI Median | 43.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 31.7 / 100 |
| Social Vulnerability | 10.6 / 100 |
| Community Resilience | 96.3 / 100 |
Hazard Breakdown
| Tornado |
Relatively Moderate |
| Hurricane |
Very Low |
| Earthquake |
Relatively Low |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Low |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively Low |
| Lightning |
Relatively Low |
| Ice Storm |
Relatively Low |
| Drought |
No Rating |
| Cold Wave |
Relatively Low |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
8 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 |
131 km |
| Jan 26, 2012 |
5 km NE of Topeka, Indiana |
M3.0 |
141 km |
| Apr 17, 1990 |
8 km NW of Fort Recovery, Ohio |
M3.0 |
19 km |
| Apr 4, 1994 |
2 km WNW of Minster, Ohio |
M2.9 |
22 km |
| May 12, 2006 |
2 km E of Lima, Ohio |
M2.8 |
55 km |
| Jun 12, 2015 |
6 km NW of Convoy, Ohio |
M2.6 |
54 km |
| Jan 30, 2004 |
2 km S of Rockford, Ohio |
M2.5 |
21 km |
| Jun 4, 1990 |
4 km SSE of Van Buren, Ohio |
M2.5 |
108 km |
Source: USGS (M2.5+, 1990-2025)
Tornado History
510 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 32 fatalities, 797 injuries.
| Date |
Rating |
Distance |
Fatalities |
| May 27, 2019 |
EF4 |
75 km |
0 |
| Nov 10, 2002 |
EF4 |
35 km |
4 |
| Feb 18, 1992 |
EF4 |
28 km |
0 |
| Apr 3, 1974 |
EF4 |
72 km |
1 |
| Apr 11, 1965 |
EF4 |
51 km |
13 |
| Apr 11, 1965 |
EF4 |
64 km |
4 |
| Apr 11, 1965 |
EF4 |
26 km |
3 |
| Mar 6, 1956 |
EF4 |
80 km |
1 |
| Mar 14, 2024 |
EF3 |
54 km |
1 |
| Mar 14, 2024 |
EF3 |
40 km |
3 |
| Mar 31, 2023 |
EF3 |
81 km |
0 |
| May 27, 2019 |
EF3 |
65 km |
0 |
| May 27, 2019 |
EF3 |
91 km |
0 |
| May 27, 2019 |
EF3 |
58 km |
0 |
| May 27, 2019 |
EF3 |
9 km |
1 |
| Aug 24, 2016 |
EF3 |
78 km |
0 |
| Nov 10, 2002 |
EF3 |
93 km |
0 |
| Nov 10, 2002 |
EF3 |
32 km |
0 |
| Oct 24, 2001 |
EF3 |
49 km |
0 |
| Nov 22, 1992 |
EF3 |
79 km |
0 |
Source: NOAA SPC (EF0+, 1950-2024)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
25°F (-4°C) |
2.0 in |
Coldest |
| February |
28°F (-2°C) |
1.9 in |
Driest |
| March |
38°F (4°C) |
3.0 in |
|
| April |
49°F (10°C) |
3.6 in |
|
| May |
60°F (16°C) |
3.7 in |
|
| June |
69°F (21°C) |
3.7 in |
|
| July |
73°F (23°C) |
3.8 in |
Warmest, Wettest |
| August |
71°F (22°C) |
3.3 in |
|
| September |
65°F (18°C) |
2.8 in |
|
| October |
53°F (12°C) |
2.4 in |
|
| November |
41°F (5°C) |
3.0 in |
|
| December |
30°F (-1°C) |
2.7 in |
|
Coldwater has a seasonal temperature swing of 47°F / from 25°F in January to 73°F in July. Total annual precipitation is 35.9 inches, with July being the wettest month (3.8") and February the driest (1.9").
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) |
$232 ($139-$371) |
| Specialist Visit |
$325 ($186-$510) |
| Urgent Care Visit |
$186 ($93-$325) |
| Emergency Room Visit |
$2,042 ($742-$4,640) |
| Dental Cleaning |
$121 ($70-$186) |
| Dental Filling |
$232 ($139-$371) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$42 ($23-$70) |
| Oil Change (Synthetic) |
$70 ($46-$111) |
| Brake Pad Replacement |
$278 ($139-$464) |
| Tire Rotation |
$37 ($19-$70) |
| New Tires (Set of 4) |
$557 ($371-$928) |
| Battery Replacement |
$186 ($93-$325) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$93 ($56-$139) |
| Electrician (Per Hour) |
$84 ($46-$130) |
| HVAC Repair |
$371 ($139-$742) |
| HVAC System Install |
$6,496 ($3,712-$11,136) |
| Roof Repair |
$928 ($371-$1,856) |
| Roof Replacement |
$8,352 ($5,104-$13,920) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,392 ($464-$3,248) |
| Divorce (Contested) |
$13,920 ($4,640-$27,840) |
| DUI Defense |
$4,640 ($1,856-$9,280) |
| Bankruptcy (Chapter 7) |
$1,392 ($742-$2,784) |
| Will Preparation |
$464 ($186-$928) |
| Trust Preparation |
$2,320 ($928-$4,640) |
View all 12 services
Personal Care
| Men's Haircut |
$23 ($14-$42) |
| Women's Haircut |
$51 ($28-$93) |
| Hair Coloring (Full) |
$139 ($70-$232) |
| Manicure |
$23 ($14-$42) |
| Pedicure |
$37 ($23-$60) |
| Massage (1 Hour) |
$74 ($46-$121) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.80 ($2.78-$5.10) |
| Dozen Eggs (per dozen) |
$3.25 ($2.32-$4.64) |
| Loaf of Bread |
$3.53 ($2.32-$5.10) |
| Chicken Breast (per lb) |
$4.18 ($2.78-$6.03) |
| Ground Beef (per lb) |
$5.10 ($3.71-$6.96) |
| Rice (per lb) |
$0.93 ($0.56-$1.67) |
View all 20 services
Utilities
| Electricity (Monthly) |
$130 ($74-$232) |
| Natural Gas (Monthly) |
$65 ($28-$139) |
| Water/Sewer (Monthly) |
$65 ($37-$111) |
| Internet (Monthly) |
$65 ($37-$93) |
| Cell Phone Plan (Monthly) |
$60 ($28-$93) |
| Cable TV (Monthly) |
$79 ($46-$139) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$186 ($70-$464) |
| Car Insurance (Annual) |
$1,856 ($1,114-$3,248) |
| Bus Pass (Monthly) |
$65 ($28-$121) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.42-$23) |
| Car Registration (Annual) |
$93 ($28-$232) |
| Driver's License Renewal |
$28 ($14-$70) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,114 ($557-$2,320) |
| Daycare (Toddler, Monthly) |
$928 ($464-$1,856) |
| After-School Care (Monthly) |
$371 ($186-$650) |
| Tutoring (Per Hour) |
$46 ($23-$93) |
| SAT/ACT Prep Course |
$928 ($371-$2,320) |
| Private School (K-12, Annual) |
$11,600 ($4,640-$27,840) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$56 ($28-$93) |
| Dog Vaccination (Annual) |
$93 ($46-$186) |
| Dog Grooming |
$56 ($28-$93) |
| Pet Boarding (Per Night) |
$37 ($19-$70) |
| Dog Spay/Neuter |
$278 ($139-$464) |
| Cat Spay/Neuter |
$186 ($93-$371) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $751 |
| Toddler | $693 |
| Preschool | $615 |
| Family Childcare (monthly) |
| Infant | $671 |
| Toddler | $660 |
| Preschool | $610 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Coldwater
What is the population of Coldwater?
Coldwater has a population of 4,387 residents and is located in Ohio. The population density is 2,261 people per square mile, spread across 2.0 square miles. The median age of residents is 32.1 years, which is younger than the national median of 38.9 years. The population is 55.2% female and 44.8% male.
Is Coldwater expensive to live in?
Coldwater is more affordable than the national average, with a cost of living index of 92.8 / below the baseline of 100. The median household income is $77,730, 3% above the national average of $75,149. The median home value is $215,700 (23% below the U.S. median). Renters pay a median of $800 per month, below the national average of $1,163. The home price-to-income ratio is 2.8x, 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 22 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 1,078 per 100,000 (below the national average). Overall, Coldwater receives a safety grade of F based on combined crime data.
What is the weather like in Coldwater?
Coldwater has a four-season climate with an average annual temperature of 50°F (10°C). Winter temperatures average 25°F in January, while summers reach an average of 73°F in July. The area receives 275 sunny days per year, well above the national average of 205. Annual rainfall totals 39.9 inches, with 19.4 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 43.
How is the job market in Coldwater?
The job market in Coldwater is very strong, with unemployment at just 0.4% / well below the national rate of 3.6%. The average weekly wage is $974. There are 1,218 business establishments in the area, including 98 restaurants and food service locations. The average commute time is 19 minutes, and 1.6% of workers work from home.
How much does housing cost in Coldwater?
The median home value in Coldwater is $215,700. Zillow estimates the typical home value at $278,335. For renters, the median monthly rent is $800. Fair market rent is $873 for a 1-bedroom and $1,092 for a 2-bedroom apartment. The homeownership rate is 78.6%. The average annual property tax is $4,098.
How are the schools in Coldwater?
Schools in Coldwater perform well, with an average test score of 7 out of 10 / above the national benchmark. 29.2% of adults in Coldwater hold a bachelor's degree or higher, below the national average of 33.7%. 97.5% have completed high school. 7.9% hold a graduate or professional degree.
How healthy is Coldwater?
The obesity rate in Coldwater is 36.1% (above the national rate of 32.1%). 14.8% of adults are smokers. 25.1% are physically inactive. 26.2% of residents report depression. 7.1% lack health insurance (below the national rate). 72.1% of residents have access to exercise opportunities. The primary care physician ratio is 1:2,015.
What is transportation like in Coldwater?
The average commute in Coldwater is 19 minutes, shorter than the national average of 28 minutes. 79.7% 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 90.7% White, 2.2% Hispanic or Latino. 98.5% of residents speak only English at home. 4.2% of the population are military veterans. 8.7% of residents have a disability. 99.0% have health insurance coverage.
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