Coldwater, OH demographics:
population, income, and more

Total population
4,191
-4.5% year-over-year change
Median household income
$68,009/yr
-12.5% year-over-year change
Housing units
1,600
2.6% year-over-year change

Coldwater population

How many people live in Coldwater

Coldwater is home to 4,191 residents, according to the most recent Census data. Gender-wise, 43.1% of Coldwater locals are male, and 56.9% are female.

Total population
4,191
-4.5% year-over-year change
Gender ratio
Male
43.1%
1,807
Female
56.9%
2,384
Value Percent YoY change
Male 1,807 43.1% -8.0%
Female 2,384 56.9% -1.6%
A higher population often means more rental variety and livelier areas. The gender balance—how many men live here compared to women—can reveal a lot about the community and the lifestyles of its residents. Use this info to get a sense of the area's pace and personality.

Age demographics

The median age in Coldwater is 35, with the population distributed as follows: about 25.7% are children under 15, then 10.5% are in the 15 to 24 age group. Adults between 25 and 44 make up 26.9% of the population, while another 19.8% fall into the 45 to 64 bracket. Finally, around 17% are 65 or older.

Median age
35.2
Age breakdown
Under 15
25.7%
15 to 24
10.5%
25 to 44
26.9%
45 to 64
19.8%
Over 65
17%
Value Percent YoY change
Under 15 1,077 25.7% -15.9%
15 to 24 441 10.5% -0.9%
25 to 44 1,128 26.9% 5.6%
45 to 64 831 19.8% -20.0%
Over 65 714 17% 28.6%
The age composition helps you get insight into who lives in the area. A younger population might mean a more active, fast-paced vibe, while an older one could suggest a quieter, slower lifestyle. If there's a balanced makeup, you’re likely to find a variety of services, housing types, and community spaces that cater to different life stages.

Racial makeup

At the same time, 3.1% of residents are non-citizens. There’s also a share of 0.5% that includes residents with two or more races.

Citizenship
U.S.-born citizens
96.9%
Non-U.S.-born citizens
0%
Non-citizens
3.1%
Value Percent YoY change
U.S.-born citizens 4,060 96.9% -4.9%
Non-citizens 131 3.1% 10.1%
Racial breakdown
White
93.5%
Black or African American
0%
American Indian and Alaska Native
0%
Asian
1.1%
Native Hawaiian and other Pacific Islander
0.7%
Two or more races
0.5%
Other
4.2%
Value Percent
White 3,918 93.5%
Black or African American 1 0%
Asian 46 1.1%
Native Hawaiian and other Pacific Islander 29 0.7%
Two or more races 20 0.5%
Other 177 4.2%

Households in Coldwater

A peek inside Coldwater households

Coldwater has 1,600 households, with an average of 3 members in each. Of these, 74.2% are families, while the remaining 25.8% are made up of individuals living alone or with non-relatives, such as roommates.

Households stats

Total households
1,600
2.6% year-over-year change
Average people per household
3
Non-family households
412
Family households
1,188
Value Percent YoY change
Non-family households 412 25.8% -5.3%
Family households 1,188 74.2% 5.7%
The mix between family and non-family households gives a glimpse into daily life. A higher percentage of families might mean more parks and schools, while more non-family setups can mean flexible housing and diverse living styles. For renters, this can signal what kinds of homes are common and can help you figure out if the area matches your lifestyle.

Housing in Coldwater

The housing landscape of Coldwater

Coldwater's housing consists of 1,600 units, with 79.5% being detached single-family homes ideal for those wanting space. Attached options, including duplexes and townhouses, make up 1.6% and offer a more compact, shared living style. Then there are the multifamily buildings in the area, and for those seeking flexibility, non-traditional options like mobile homes account for 1.5% of the housing landscape.

Housing units
1,600
2.6% year-over-year change
Housing types
Value Percent
1 unit, detached 1,272 79.5%
1 unit, attached 26 1.6%
2 units 120 7.5%
3 or 4 units 75 4.7%
5 to 9 units 83 5.2%
Mobile home 24 1.5%
Homes built since 2020
42
% year-over-year change

The age of buildings in Coldwater

In Coldwater, the median construction year is 1974. About 11.8% of homes were built before the 1940s, with another 10.7% going up by 1949. Most development happened in the second half of the 20th century. Then, 15.4% of homes were added from 2000 to 2009, 3.4% between 2010 and 2019, and 2.6% are part of the newest wave of development.

Construction year breakdown by decade
Value Percent YoY change
Built in 1939 or earlier 189 11.8% 12.5%
Built between 1940 and 1949 171 10.7% 11.0%
Built between 1950 and 1959 233 14.6% -15.9%
Built between 1960 and 1969 37 2.3% -2.6%
Built between 1970 and 1979 400 25% 11.7%
Built between 1980 and 1989 119 7.4% 70.0%
Built between 1990 and 1999 108 6.8% -43.2%
Built between 2000 and 2009 247 15.4% 2.1%
Built between 2010 and 2019 54 3.4% -12.9%
Built in 2020 or later 42 2.6% N/A
As a renter, knowing when homes were built helps you understand the potential condition and design of rental units. Newer builds may have more contemporary layouts, while older homes can offer character or larger lots, depending on the area.

Coldwater occupancy rates

Out of the 1,600 occupied housing units in Coldwater, 70.4% are owner-occupied, while 29.6% are lived in by tenants.

Occupied housing units
1,600
2.6% year-over-year change
Occupancy breakdown
Renter occupied
474
Owner occupied
1,126
Value Percent YoY
change
Renter occupied 474 29.6% 42.3%
Owner occupied 1,126 70.4% -8.2%
Unoccupied housing units
0.0%
Unoccupied housing units refer to homes that are currently without residents—whether they're waiting for renters or owners, used seasonally, or simply unclaimed. A higher share of empty homes may mean more housing availability, while a low number can reflect a tighter market with more competition. This, along with the renter-vs.-owner mix, helps paint a clearer picture of what types of housing and services are likely to be available in the area.

Coldwater housing costs

Housing costs in Coldwater come to a median of $927 per month, while tenants specifically pay a median gross rent of $821.

Median housing costs per month
$927/month
This figure sums up typical monthly housing costs for all households in the area. If you own, it includes mortgage payments in addition to property taxes, insurance and HOA fees. If you rent, it accounts for rent plus extras like utilities. It’s useful for seeing how local living expenses stack up compared to other places.
Median gross rent in Coldwater
$821/month
Gross rent gives a more complete look at what renters actually pay, including not just base rent, but also utilities and fees. It’s a key number for evaluating rental affordability in your area of interest and understanding how it compares to nearby locations.

Education in Coldwater

Coldwater education at a glance

About 39.2% of the population in Coldwater went to high school, while 23.9% pursued college studies. Another 9.7% earned an associate degree and 16.9% hold a bachelor’s. Meanwhile, 10.3% went even further, earning a master’s or doctorate.

Education level
Value Percent YoY change
High school diploma 1,136 39.2% -19.2%
College diploma 693 23.9% 52.6%
Associate degree 282 9.7% -10.2%
Bachelor's degree 489 16.9% 3.2%
Graduate degree 298 10.3% -3.2%
A community’s education mix can offer insights into the local economy and housing market. Higher levels of education often align with more job opportunities and stable incomes, which can increase demand for homes and influence both rent prices and rental availability.

Income in Coldwater

How much people earn in Coldwater

The average annual household income in Coldwater was $84,038 in 2024, the most recent annual data available, according to the U.S. Census Bureau. This marked a -5% change from the previous year. At the same time, the median income stood at $68,009, reflecting a -12.5% shift over the same period.

Average household income in Coldwater
$84,038/year
-5.0% year-over-year change
Median household income in Coldwater
$68,009/year
-12.5% year-over-year change

Coldwater income by age

In Coldwater, households led by residents aged 25 to 44 — usually in the early to mid stages of their careers — have a median income of $92,384. Those with someone between 45 and 64 in charge, often well established professionally, earn $80,288 overall. Younger households, where the main provider is under 25 and just starting out, report a median income of $75,721, while those led by someone over 65, many of whom may be retired, have about $50,772 in earnings. Overall, 98% of the locals in this community live above the poverty line.

Income breakdown by age
Value YoY change
Under 25 $75,721 N/A
25 - 44 $92,384 3.5%
45 - 64 $80,288 -28.3%
Over 65 $50,772 4.0%
Above poverty level
3,958
Below poverty level
82
Value Percent YoY
change
Above poverty level 3,958 98% -3.4%
Below poverty level 82 2% 12.3%

Average renter income in Coldwater

To get a better sense of what renters earn on average in Coldwater, their median household income was $31,838 according to 2022 Census data. In addition, the rent-to-income ratio in the area, at 30.9%, shows what portion of their earnings goes toward housing expenses.

Renter median household income
$31,838
Rent-to-income ratio
30.9%
Understanding the rent-to-income ratio can help renters gauge if local housing costs align with their earnings. A ratio under 30% usually signals affordability, while exceeding this mark means rent is taking a larger-than-recommended bite out of income. That could make it harder for you to cover other costs like transportation, healthcare, or child care.

Employment in Coldwater

Workforce and job types in Coldwater

The job market in Coldwater is powered by 2,083 working residents, spread across a range of industries and roles. 73.1% of the working population are employed in professional or administrative positions, while 26.9% are in hands-on or service-based jobs. Also, 4.5% run their own businesses, 75.6% are employed by private companies, and 14.3% work in the public sector.

Workforce demographics

Working population
2,083
-4.5% year-over-year change
White collar
1,522
Blue collar
561
Value Percent YoY change
White collar 1,522 73.1% 10.9%
Blue collar 561 26.9% -30.7%
Employer type
Self employees
4.5%
Private companies
75.6%
Governmental workers
14.3%
Not for profit companies
5.6%
Value Percent YoY change
Self employees 94 4.5% -7.8%
Private companies 1,575 75.6% -5.2%
Governmental workers 298 14.3% -11.6%
Not for profit companies 116 5.6% 41.5%
Unemployment rate
0.5%
-16.7% year-over-year change

Available workforce

The unemployment rate in Coldwater stands at 0.5%, representing the share of the workforce currently without a job and actively looking for one.

For renters, the unemployment rate helps paint a picture of job security and financial stability in the area. Rates around 4% to 5% are considered typical. A lower-than-average rate might suggest strong job prospects and a thriving local economy, while a higher rate could hint at fewer opportunities—both useful to consider when planning a move.

Transportation in Coldwater

How people get around in Coldwater

Commuting methods vary: 93.7% of residents travel by personal vehicle and 1.7% prefer to walk, while the remaining share relies on public transit or on two wheelers to get from A to B.

Means of transportation
Value Percent YoY change
Car 1,934 93.7% -6.5%
Bicycle 39 1.9% 18.2%
Walk 36 1.7% 12.5%
Understanding how locals get to work can help you plan your own routine. High car usage might mean you’ll need a vehicle, while strong public transit or walkability could save you the hassle. Commute times also play a big role in quality of life—shorter trips can give you more time for the things you enjoy.

What is the median and average household income in Coldwater by zipcode?

Zipcode Population Number of households Median income Average income
45828 6,404 2,281 $72,703 $86,866

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FAQs about Coldwater demographics 

What is the total population of Coldwater?

Coldwater has a total population of 4,191 residents, according to the latest release from the U.S. Census Bureau: the 2019-2023 American Community Survey (ACS) 5-year estimates. This figure changed by -4.5% compared to a year ago.

What is the gender ratio in Coldwater?

The gender ratio in Coldwater is as follows:
  • 43.1% males (1,807 residents)
  • 56.9% females (2,384 residents)

What is the median age in Coldwater?

The median age in Coldwater is 35.2.

What is the age distribution of the population in Coldwater?

The age distribution in Coldwater is as follows:
  • Under 15: 25.7% (1,077 residents)
  • Ages 15-24: 10.5% (441 residents)
  • Ages 25-44: 26.9% (1,128 residents)
  • Ages 45-64: 19.8% (831 residents)
  • Over 65: 17% (714 residents)

What is the racial and ethnic makeup of Coldwater?

The racial and ethnic makeup of Coldwater is as follows:
  • White: 93.5% (3,918 residents)
  • Black or African American: 0% (1 residents)
  • American Indian and Alaska Native: 0% (0 residents)
  • Asian: 1.1% (46 residents)
  • Native Hawaiian and Other Pacific Islander: 0.7% (29 residents)
  • Two or More Races: 0.5% (20 residents)
  • Other: 4.2% (177 residents)

What percentage of the population in Coldwater are U.S.-born citizens?

U.S.-born citizens represent 96.9% of the population in Coldwater.

How many housing units are there in Coldwater?

There are 1,600 housing units in Coldwater, reflecting a +2.6% change compared to the previous year, according to the latest data from the U.S. Census Bureau.

How many households are in Coldwater and what is the average household size?

Coldwater has a total of 1,600 households, with an average of 3 people in each.

What is the median household income in Coldwater?

Coldwater has a median household income of $68,009, representing a -12.5% shift from the previous year, according to the U.S. Census Bureau.

What is the employment rate and job market overview for Coldwater?

The employment rate is 99.5% in Coldwater, with a workforce of 2,083 residents. Here’s a detailed breakdown of the local job market:

Job types:
  • White-collar workers: 73.1% (1,522 residents)
  • Blue-collar workers: 26.9% (561 residents)

Places of employment:
  • Self-employed: 4.5% (94 residents)
  • Private companies: 75.6% (1,575 residents)
  • Governmental workers: 14.3% (298 residents)
  • Not-for-profit companies: 5.6% (116 residents)

Data source & methodology

The demographic data on this page was sourced from the latest U.S. Census Bureau release—the 2019–2023 American Community Survey (ACS) 5-year estimates.

The information, issued annually, is compiled and published by the Point2Homes Research Team as soon as new data becomes available.

No representation, guarantee, or warranty is made concerning the accuracy or completeness of modified or aggregated information for particular areas.

Page last updated: September 2025