Very AffordableVery SafeColdwater Exempted Village
Holy Trinity Church in Coldwater, front and western side · Nyttend / Public domainColdwater · Dana60Cummins / CC BY-SA 3.0Coldwater2 · Dana60Cummins / CC BY-SA 3.0ColdwaterSoutheasternview · Dana60Cummins / CC BY-SA 3.0
Coldwater is a small town of 4,511 in Ohio, with a median household income of $76,384
and a 1.0% unemployment rate.
Its cost of living index is 90 (US average = 100), which is
10% below the national average.
Strengths:
Coldwater stands out for an affordable cost of living, below-average home prices, solid school ratings (B), short average commutes.
Trade-offs:
No major red flags stand out in the available data. Whether Coldwater is right for you depends on your priorities — the full breakdown is below.
All Coldwater city data on this page comes from official government sources —
the US Census Bureau, FBI, NCES, BEA, and NOAA — updated annually.
Cost of Living
Index: 89.9
Coldwater's overall cost of living index is 89.9,
where 100 represents the US national average.
Living in Coldwater costs roughly 10% less than the average American city.
Metric
Coldwater, OH
National Avg
Median Home Value
$195,200
$244,900
Median Monthly Rent
$625
$1,163
Homeownership Rate
81.0%
65.9%
Median Household Income
$76,384
$74,755
Crime & Safety
Very Safe
Coldwater's violent crime rate is 17.0 per 100,000 residents
— 96% lower than the national average of ~380 per 100,000.
Violent Crime
17.0 /100k
Property Crime
332.8 /100k
Vertical marker = national average. Source: FBI UCR Program.
Schools & Education
Coldwater is served primarily by Coldwater Exempted Village.
The student-to-teacher ratio is 15.9:1
(better than the national average of ~16:1).
Metric
Coldwater, OH
National Avg
School District
Coldwater Exempted Village
—
Elementary Schools
1
—
Middle Schools
1
—
High Schools
1
—
Student/Teacher Ratio
15.9:1
16:1
Bachelor's Degree or Higher
22.7%
35.4%
High School Diploma or Higher
95.0%
91.1%
Weather & Climate
Coldwater sees average highs of 33.7°F in January
and 83.7°F in July,
with 39.8 inches of annual precipitation
and 28.8 inches of snow per year.
Coldwater's cost of living index is 90, where 100 is the national average.
That makes Coldwater roughly 10% less expensive than a typical US city — a meaningful affordability advantage.
The median home price is $195,200 and median rent is $625/month.
Coldwater's violent crime rate is 17.0 per 100,000 residents — the national average is ~380 per 100,000. Property crime is 332.8 per 100,000 (national avg ~2,100). Data from the FBI Uniform Crime Reporting Program.
Public schools in Coldwater are operated by Coldwater Exempted Village.
The district has 1 elementary, 1 middle, and 1 high schools.
The student-to-teacher ratio is 15.9:1. 22.7% of adults 25+ hold a bachelor's degree or higher.
Coldwater, OH has a population of 4,511, a median household income of $76,384, and an unemployment rate of 1.0%.
It offers below-average costs of living, which stretches take-home pay further than in most American cities. Whether it's right for you depends on your priorities — use the compare tool above to stack it against another city you're considering.
Coldwater averages 33.7°F in January and 83.7°F in July. Annual rainfall is 39.8 inches
with about 28.8 inches of snow per year.
Based on NOAA 30-year climate normals (1991–2020).
Coldwater, OH is covered by 1 ZIP code: 45828.
The population of Coldwater, Ohio is 4,511 with a median age of 36.2. Source: US Census ACS 5-Year Estimates.
Key numbers for living in Coldwater: cost of living index 90 (100 = US average), median home $195,200, median household income $76,384, crime index 9 (100 = US average, lower is safer), schools rated B. Whether these are benefits or drawbacks depends on where you're coming from — compare Coldwater side by side with your current city to see the trade-offs.
