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  1. Home
  2. /Browse ZIP Codes
  3. /Ohio
  4. /Coldwater, OH - 45828

Coldwater, OH—45828

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value
$297,000
6.7% YoY Growth
Household Income
$77,900
28.6% YoY Growth
Days on Market
62
70.0% Shorter YoY
Home Price Forecast
3.1%
Median 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
  • Home Price Trends
  • Rental Trends
  • Property Listings
  • Demographics
  • Mortgage and Risk

Home Price Trends — Coldwater, OH

As of May '26, the median home price in Coldwater, OH is $297,000, with a year-over-year change of 6.7%. This indicates that home prices in Coldwater, OH are increasing. According to Zillow, the 1-year price projection is 3.1%, suggesting an increase housing market in the next year.

Cost per Home Type

Home TypeMedian Home ValueYoY % Change
All Homes
$297,0006.7%
Single Family $296,0006.1%
Condos N/AN/A

Cost per Home Size

Home SizeMedian Home ValueYoY % Change
1 Bed
  • Affordability
  • Rentals and Section 8
    • N/A
    N/A
    2 Bed
    		$230,0007.0%
    3 Bed
    		$300,0006.0%
    4 Bed
    		$329,0006.1%
    5 Bed N/AN/A
    Loading chart...

    % of Housing Stock

    1 Bedroom
    4.3%
    2 Bedrooms
    15.7%
    3 Bedrooms
    49.8%
    4 Bedrooms
    25.7%
    5+ Bedrooms
    4.5%

    Rental Trends — Coldwater, OH

    Coldwater, OH lacks sufficient rental market data for analysis.

    TypeMedian RentAverage Rent
    Average RentN/AN/A
    Studio Rent N/AN/A
    1 Bed Rent N/AN/A
    2 Bed Rent N/AN/A
    3 Bed Rent N/AN/A
    4 Bed Rent N/AN/A
    Loading chart...

    % 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 May '26, Realtor.com reports that the median days on market for a home in Coldwater, OH is 62. This is a decrease of -70.0% from last year, suggesting that homes are sitting on the market shorter 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.

    MetricZip Code AverageYear over Year % Change
    Median Listing Price
    		$310,000-48.0%
    Listing Count
    		7118.0%
    Listings as % of Homes0.3%118.0%
    Days on Market
    		62-70.0%
    Loading chart...

    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.

    MetricLatest CensusYoY % Change
    Population
    		6,3401.5%
    % Under 18
    		35.6%25.8%
    % Seniors
    		12.9%-23.2%
    % WFH
    		2.1%-16.0%
    % w/ College Degree
    		26.9%43.1%
    Loading chart...

    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

    MetricLatest Census5-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%
    Loading chart...

    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

    MetricZip 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%
    Loading chart...
    Loading chart...

    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 SizeHUD PremiumMarket RentMax HUD Rent
    1 BedroomN/AN/A$710
    2 BedroomN/AN/A$880
    3 BedroomN/AN/A$1,180
    4 BedroomN/AN/A$1,180

    Affordability — Coldwater, OH

    Home Price to Income Ratio

    MetricZip Code Average
    Home Price to Income Ratio3.1
    Median Home Price$297,000
    Median Household Income$77,900

    Coldwater, OH — ZIP Code Boundary Map

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    Nearby ZIP Codes

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    45883

    Celina, OH

    45822

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    45846

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    North Star, OH

    45348

    Frequently Asked Questions