Coldwater, OH 45828 - Home Prices, Rental Trends, Listings & Demographics | Prop:Metrics

Coldwater, OH—45828

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value

$279,000

7.6% YoY Growth

Household Income

$77,900

28.6% YoY Growth

Days on Market

113

71.0% Longer YoY

Home Price Forecast

3.0%

Median Rent

N/A

1-Bed Rent

N/A

2-Bed Rent

N/A

3-Bed Rent

N/A

Home Price Trends — Coldwater, OH

As of Dec '25, the median home price in Coldwater, OH is $279,000, with a year-over-year change of 7.6%. This indicates that home prices in Coldwater, OH are increasing. According to Zillow, the 1-year price projection is 3.0%, suggesting an increase housing market in the next year.

Cost per Home Type

Home Type	Median Home Value	YoY % Change
All Homes	$279,000	7.6%
Single Family	$278,000	7.8%
Condos	N/A	N/A

Cost per Home Size

Home Size	Median Home Value	YoY % Change
1 Bed

Rental Trends — Coldwater, OH

Coldwater, OH lacks sufficient rental market data for analysis.

Type	Median Rent	Average Rent
Average Rent	N/A	N/A
Studio Rent	N/A	N/A
1 Bed Rent	N/A	N/A
2 Bed Rent	N/A	N/A
3 Bed Rent	N/A	N/A
4 Bed Rent	N/A	N/A

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% of Rental Stock

1 Bedroom

17.5%

2 Bedrooms

38.4%

3 Bedrooms

19.6%

4 Bedrooms

24.4%

Property Listings — Coldwater, OH

As of Dec '25, Realtor.com reports that the median days on market for a home in Coldwater, OH is 89. This is a increase of 72.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 0.0%, representing a small inventory and little supply pressure on home prices.

Metric	Zip Code Average	Year over Year % Change
Median Listing Price	$262,000	-17.0%
Listing Count	7	32.0%
Listings as % of Homes	0.3%	32.0%
Days on Market	113	71.0%

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Demographics — Coldwater, OH

As of the latest ACS Survey released in 2023, Coldwater, OH has a population of 6,340, which has increased by 1.5% over the past 5 years. Coldwater, OH is a popular place for families, as children make up 35.6% of the population. The area has a moderately educated workforce, with 26.9% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 2.1% reporting working from home.

Metric	Latest Census	YoY % Change
Population	6,340	1.5%
% Under 18	35.6%	25.8%
% Seniors	12.9%	-23.2%
% WFH	2.1%	-16.0%
% w/ College Degree	26.9%	43.1%

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As of the latest ACS Survey released in 2023, Coldwater, OH is a predominantly white area, with 93.6% of the population identifying as white. The white population has shrunk by 3.2% in the last 5 years. The second most common race or ethnicity in Coldwater, OH is hispanic, making up 3.9% of the population. Foreign-born residents account for 1.9% of the population in Coldwater, OH, and this percentage has increased by 111.1% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.

Race and Ethnicity

Metric	Latest Census	5-Year % Change
% White	93.6%	-3.2%
% Black	0.3%	200.0%
% Hispanic	3.9%	25.8%
% Asian	0.5%	∞%
% Foreign Born	1.9%	111.1%

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Mortgage and Risk — Coldwater, OH

According to HUD data as of 2023, there were 55 mortgage originations in Coldwater, OH, of which 89.0% of loans were conventional mortgages. The average loan-to-value was 66.0%, with 24.0% above 90% LTV (very high). This implies large mortgage risk in Coldwater, OH. Investor activity is low, as 0.0% of loans were by investors. 22.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.

Mortgages

Metric	Zip Code Average
Total Loan Originations	55
% Conventional Loans	89.0%
% Government Loans	11.0%
% Investor Loans	0.0%
% Second Loans	0.0%
% Cash Out Refinance	22.0%

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Rentals and Section 8 — Coldwater, OH

Coldwater, OH lacks sufficient Section 8 program data for analysis.

Section 8 Market Size

Total Units under HUD	N/A
Total Units Section 8	N/A
% Rentals under Section 8	N/A
% Occupied Section 8	N/A

Section 8 Opportunity

Home Size	HUD Premium	Market Rent	Max HUD Rent
1 Bedroom	N/A	N/A	$710
2 Bedroom	N/A	N/A	$880
3 Bedroom	N/A	N/A	$1,180
4 Bedroom	N/A	N/A	$1,180

Coldwater, OH—45828

Key Metrics at a Glance

Home Price Trends — Coldwater, OH

Cost per Home Type

Cost per Home Size

% of Housing Stock

Rental Trends — Coldwater, OH

% of Rental Stock

Property Listings — Coldwater, OH

Demographics — Coldwater, OH

Race and Ethnicity

Mortgage and Risk — Coldwater, OH

Mortgages

Rentals and Section 8 — Coldwater, OH

Section 8 Market Size

Section 8 Opportunity

Affordability — Coldwater, OH

Home Price to Income Ratio

Coldwater, OH — ZIP Code Boundary Map

Nearby ZIP Codes

Saint Henry, OH

Celina, OH

Fort Recovery, OH

Burkettsville

North Star, OH

Frequently Asked Questions

Metric	Zip Code Average
Home Price to Income Ratio	3
Median Home Price	$279,000
Median Household Income	$77,900

Coldwater, OH—45828

Key Metrics at a Glance

Home Price Trends — Coldwater, OH

Cost per Home Type

Cost per Home Size

% of Housing Stock

Rental Trends — Coldwater, OH

% of Rental Stock

Property Listings — Coldwater, OH

Demographics — Coldwater, OH

Race and Ethnicity

Mortgage and Risk — Coldwater, OH

Mortgages

Rentals and Section 8 — Coldwater, OH

Section 8 Market Size

Section 8 Opportunity

Affordability — Coldwater, OH

Home Price to Income Ratio

Coldwater, OH — ZIP Code Boundary Map

Nearby ZIP Codes

Saint Henry, OH

Celina, OH

Fort Recovery, OH

Burkettsville

North Star, OH

Frequently Asked Questions

What is the average home price in Coldwater, OH 45828?

How have home prices in Coldwater, OH 45828 changed over the past year?

What is the home price projection for Coldwater, OH 45828?

What are the demographics of Coldwater, OH 45828?

How long does it take homes to sell in Coldwater, OH 45828?

What is the average rent price in Coldwater, OH 45828?