Coldwater, OH
Population 4,387 · Ohio
About Coldwater, OH
Coldwater is a small town located in Ohio with a population of 4,387 residents according to the latest US Census Bureau American Community Survey data. The median household income is $77,730 per year, which is 3% above the national median of $75,149. The median age of 32.1 years is notably younger the US median age of 38.9 years, indicating a younger, often more dynamic population base.
Housing Market Overview
The housing market in Coldwater features a median home value of $215,700, which is 12% below the national median of $244,900. This positions Coldwater in a moderately priced market relative to the rest of the country. Median monthly rent is $800, 31% below the national average of $1,163/month. Of the 1,559 total housing units, 79% are owner-occupied (1,226 units) and 21% are renter-occupied (333 units). The high homeownership rate suggests a stable, established residential community.
Economy & Employment
The local economy in Coldwater shows an unemployment rate of 0.5%, which is lower than the national rate of 3.7%, indicating a relatively strong job market. The poverty rate stands at 2.1%, below the national average of 12.4%, reflecting generally favorable economic conditions. Workers in Coldwater have an average one-way commute time of 18.6 minutes, one of the shorter commutes in the region.
Education & Demographics
29.2% of Coldwater residents aged 25 and older hold a bachelor's degree or higher, compared to the national average of 33.7%. This is in line with national trends in educational attainment. The community's demographic composition includes 5.2% White, 2.2% Hispanic or Latino, 0.0% Black or African American, and 0.4% Asian residents, with 2.7% of the population being foreign-born.
How Coldwater Ranks in Ohio
Cost of Living in Coldwater, OH
Compared to national averages, Coldwater has a median household income of $77,730 (3% above the national median of $75,149). Home values average $215,700, which is 12% below the national median. Monthly rent at $800 is 31% below the US average of $1,163. Within Ohio, Coldwater's income is 8% above the state average of $71,814, and home values are 24% above the state median of $174,449.
Why Live in Coldwater, OH?
Coldwater offers a strong local economy with a median household income of $77,730, well above the national average, and affordable housing with a median home value of $215,700, below the US average of $244,900, and rent that’s lower than the national average at $800/month. Additionally, the city features a strong job market with an unemployment rate of just 0.5%, and a low poverty rate of 2.1%, better than the national average, and short commute times averaging just 18.6 minutes.
Coldwater has a population of 4,387 with a median age of 32.1 years. Compare Coldwater with other cities to see how it stacks up, or explore all cities in Ohio.
Similar Cities Near Coldwater
Cities in Ohio with a similar population size.
| City | Population | Median Income | Home Value | |
|---|---|---|---|---|
| Pleasant Run Farm | 4,390 | $78,053 | $215,400 | Compare |
| Archbold | 4,369 | $68,634 | $175,500 | Compare |
| Ottawa | 4,439 | $66,268 | $175,300 | Compare |
| Lake Darby | 4,323 | $94,743 | $220,700 | Compare |
| Huber Ridge | 4,311 | $95,141 | $218,300 | Compare |
| Crestline | 4,467 | $48,298 | $96,100 | Compare |
| New Lexington | 4,479 | $43,447 | $114,000 | Compare |
| Sheffield | 4,287 | $102,384 | $265,100 | Compare |
Demographics
Racial & Ethnic Composition
Economy & Education
Housing
Other Cities in Ohio
Data source: US Census Bureau ACS 5-Year Estimates. Last updated: 2026-04-05.
Compare Coldwater With Other Cities
Frequently Asked Questions about Coldwater
What is the population of Coldwater, OH?
The population of Coldwater, OH is 4,387 according to the latest US Census Bureau American Community Survey estimates. This makes it a small town in Ohio.
What is the median household income in Coldwater?
The median household income in Coldwater, OH is $77,730 per year, which is 3% above the national median of $75,149.
What is the median home value in Coldwater?
The median home value in Coldwater, OH is $215,700, which is 12% below the national median of $244,900. The majority of housing units are owner-occupied.
What is the average rent in Coldwater?
The median monthly rent in Coldwater, OH is $800, which is 31% below the national average of $1,163/month.
What is the unemployment rate in Coldwater?
The unemployment rate in Coldwater, OH is 0.5%, compared to the national average of 3.7%. This lower-than-average rate suggests a relatively healthy local job market.
Is Coldwater, OH a good place to live?
Coldwater offers above-average incomes, affordable housing, and a strong job market. With a population of 4,387 and a median age of 32.1, the city appeals to young professionals and families.
How educated is Coldwater, OH?
29.2% of residents in Coldwater aged 25 and older hold a bachelor's degree or higher, compared to the national average of 33.7%. The educational profile reflects the area's industry mix and employment landscape.
What is the cost of living in Coldwater?
Key cost-of-living indicators for Coldwater, OH: median home value is $215,700 (12% below national), median rent is $800/month, and median household income is $77,730. The home-value-to-income ratio is 2.8x, indicating relatively affordable housing relative to local incomes.
What is the poverty rate in Coldwater?
The poverty rate in Coldwater, OH is 2.1%, compared to the national average of 12.4%. This below-average poverty rate reflects generally favorable economic conditions in the community.
How diverse is Coldwater, OH?
Coldwater's population is 5.2% White, 2.2% Hispanic or Latino, 0.0% Black or African American, 0.4% Asian, and 0.4% two or more races. 2.7% of residents are foreign-born.