Coldwater, OH—45828
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Coldwater, OH
As of Oct '25, the median home price in Coldwater, OH is $279,000, with a year-over-year change of 7.5%. This indicates that home prices in Coldwater, OH are increasing. According to Zillow, the 1-year price projection is 2.1%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $279,000 | 7.5% |
| Single Family | $279,000 | 7.7% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $216,000 | 9.6% |
3 Bed | $283,000 | 8.0% |
4 Bed | $308,000 | 6.9% |
| 5 Bed | N/A | N/A |
% of Housing Stock
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 |
% of Rental Stock
Property Listings — Coldwater, OH
As of Oct '25, Realtor.com reports that the median days on market for a home in Coldwater, OH is 54. This is a increase of 70.0% 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 18.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $332,000 | 42.0% |
Listing Count | 11 | 111.0% |
| Listings as % of Homes | 0.3% | 111.0% |
Days on Market | 54 | 70.0% |
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% |
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% |
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% |
Loan Activity
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 |
Affordability — Coldwater, OH
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.1 |
| Median Home Price | $279,000 |
| Median Household Income | $77,900 |