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CITY

Coldwater

Michigan · 14,216 residents (2025 est.) · 9.651 sq mi
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The short version

Coldwater has notably lower household income than the US average, with a median household income of $50,781. Population has held roughly steady since 2000. 14% of adults hold a bachelor's degree or higher, below the national rate of 36%. Median home value has more than doubled since 2000, reaching $137,500. The poverty rate of 21.3% is well above the national figure. Households here earn about 30% less than the Michigan median.

At a glance
Lower income
below the US median
US median: $82,259
Mid-age
median age 39.5
US median: 38.9
Less educated
14% hold a bachelor's degree
US average: 36%
Stable housing
home values roughly flat, inflation adjusted
US median home: $376,019
Section 01

Population & growth

Total population
13,671
+8%since 2000
from 12,697 in 2000
1990 – 2025
Population density
1,417 / sq mi
+8%since 2000
from 1,316 / sq mi in 2000
US average: 281
Median age
39.5
+10%since 2000
from 35.8 in 2000
US average: 38.9

PEP 2025 EST:14,216 residents (Census Bureau Vintage 2025, released March 2026)

Population, 1990 – 2024
9K10K12K13K14K1990201020202024Coldwater
202414K
1990201020202024
Section 02

Income & economy

Median household income
$50,781
−18%inflation adjusted, since 2000
from $33,913 in 2000
US average: $82,259
1990 – 2024
Per capita income
$24,891
+57%since 2000
from $15,833 in 2000
US average: $44,673
Households earning $100K+
33.8%
+17.5 ptssince 2009
from 16.2% in 2009
US average: 53.3%
Poverty rate
21.3%
+11.7 ptssince 2000
from 9.6% in 2000
US average: 12.5%
Income inequality (Gini)
0.443
+5%since 2010
from 0.420 in 2010
US average: 0.476
Workforce by industry, 2024
Retail trade29%
US avg: 9.9%
Information8.9%
US avg: 10.8%
Finance & insurance5.5%
US avg: 5.9%
Professional, scientific, technical4%
US avg: 5.1%
Other services3.5%
US avg: 6.7%
Public administration2.3%
US avg: 4.8%
Agriculture, forestry, fishing2.1%
US avg: 1.6%
Construction2.1%
US avg: 1.2%
Education & health services1.5%
US avg: 0.9%
Wholesale trade1.3%
US avg: 6.9%
Arts, entertainment, food0.4%
US avg: 1.9%
Transportation & warehousing0.1%
US avg: 2.2%
Manufacturing0%
US avg: 0.4%
BARS: THIS PLACE · TICKS: US AVERAGE
Section 03

Housing

Median home value
$137,500
+4%inflation adjusted, since 2000
from $72,600 in 2000
US average: $376,019
1990 – 2024
Median gross rent
$943
+7%inflation adjusted, since 2000
from $482 in 2000
US average: $1,442
Owner-occupied
64.3%
−2.7 ptssince 2000
from 67.0% in 2000
35.7% rent
Vacancy rate
9.6%
−0.7 ptssince 2009
from 10.3% in 2009
US average: 10.0%
Owner cost-burdened
19.6%
−6.2 ptssince 2009
from 25.7% in 2009
US average: 22.9%
Renter cost-burdened
49.5%
+0.8 ptssince 2009
from 48.7% in 2009
US average: 47.4%
Afford Score
2.7
+26%since 2000
from 2.1 in 2000
1990 – 2024
Gentrification Score
32
RELATED:See current rent listings in Coldwater on RentDataNow
Section 04

Race & ethnicity

2000
White, non-Hispanic82.8%(10,514)
Black8.3%(1,054)
Hispanic / Latino4.5%(574)
Asian0.8%(102)
Other0%
Diversity Score31.6%(4,015)
2024
White, non-Hispanic82.6%(11,293)
Black4.5%(617)
Hispanic / Latino7.6%(1,038)
Asian0.3%(47)
Other4.9%(676)
Diversity Score38.4%(5,253)
Diversity Score
38
+22%since 2000
from 32 in 2000
1990 – 2024
Section 05

Education

Bachelor's degree or higher
13.9%
+2.8 ptssince 2000
from 11.1% in 2000
US average: 35.6%
High school or higher
88.9%
+10.4 ptssince 2000
from 78.5% in 2000
US average: 89.6%
Graduate degree
3.1%
−0.9 ptssince 2000
from 4.0% in 2000
US average: 14.0%
Section 06

Commute & transportation

Average commute
16.3 min
+41%since 2000
from 11.6 min in 2000
US average: 26.5
Drive alone to work
76.3%
−3.0 ptssince 2009
from 79.2% in 2009
US average: 68.9%
Carpooled to work
9.9%
−0.2 ptssince 2009
from 10.1% in 2009
US average: 8.5%
Public transit
0.5%
+0.3 ptssince 2009
from 0.2% in 2009
US average: 3.2%
Worked from home
6.4%
+3.3 ptssince 2009
from 3.0% in 2009
US average: 15.0%
Walked to work
5.2%
−0.9 ptssince 2009
from 6.1% in 2009
US average: 2.4%
Biked to work
0.8%
−0.5 ptssince 2009
from 1.3% in 2009
US average: 0.4%
No vehicle available
10.4%
+2.6 ptssince 2009
from 7.8% in 2009
US average: 8.3%
Section 07

Work & employment

Unemployment rate
8.3%
−2.5 ptssince 2011
from 10.8% in 2011
US average: 5.2%
Labor force participation
53.3%
−7.5 ptssince 2011
from 60.7% in 2011
US average: 63.5%
Self-employed
9.2%
−5.6 ptssince 2009
from 14.9% in 2009
US average: 13.1%
Management & professional
22.8%
−37.5 ptssince 2009
from 60.3% in 2009
US average: 42.5%
Section 08

People & community

Male
50.5%
+5.4 ptssince 2009
from 45.1% in 2009
Female
49.5%
−5.4 ptssince 2009
from 54.9% in 2009
Foreign born
6.2%
−0.7 ptssince 2009
from 6.8% in 2009
US average: 14.1%
Veterans
6.4%
−37.7 ptssince 2009
from 44.1% in 2009
US average: 6.2%
With a disability
18.5%
+2.8 ptssince 2012
from 15.7% in 2012
US average: 13.3%
Uninsured
4.9%
−85.0 ptssince 2013
from 89.9% in 2013
US average: 8.4%
Broadband at home
87.7%
+12.9 ptssince 2017
from 74.8% in 2017
US average: 91.0%
English only at home
85.0%
−2.9 ptssince 2016
from 87.9% in 2016
US average: 77.7%
Spanish at home
3.8%
−2.8 ptssince 2016
from 6.6% in 2016
US average: 13.6%
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Frequently asked

How many people live in Coldwater, Michigan?

Coldwater, Michigan has about 13,671 residents according to the 2024 American Community Survey.

What is the median household income in Coldwater, Michigan?

The typical household in Coldwater, Michigan earns about $50,781 a year. Half of households make more than that, and half make less.

Is Coldwater, Michigan expensive?

In Coldwater, Michigan, the median home is worth about $137,500, and the typical rent is about $943 a month.

How educated are people in Coldwater, Michigan?

About 13.9% of adults age 25 and over in Coldwater, Michigan hold a bachelor's degree or higher.

What is the poverty rate in Coldwater, Michigan?

About 21.3% of people in Coldwater, Michigan live below the federal poverty line.

Has Coldwater, Michigan grown since 1990?

Yes, Coldwater, Michigan has grown since 1990. The population has added about 4,064 residents, a change of about 42 percent over that period.

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DATA: US CENSUS BUREAU ACS 5-YEAR + DECENNIAL CENSUS · UPDATED 2024

How we source and harmonize this data →