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CITY · 2020 ACS

Coldwater

Michigan · 13,822 residents · 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 $40,561. Population has held roughly steady since 2000. 12% of adults hold a bachelor's degree or higher, below the national rate of 33%. Median home value is $93,400. Households here earn about 32% less than the Michigan median.

At a glance
Lower income
below the US median
US median: $66,278
Mid-age
median age 37.6
US median: 38.8
Less educated
12% hold a bachelor's degree
US average: 33%
More affordable
home values down 14%, inflation adjusted
US median home: $265,253
Section 01

Population & growth

Total population
13,822
+9%since 2000
from 12,697 in 2000
1990 – 2025
Population density
1,432 / sq mi
+9%since 2000
from 1,316 / sq mi in 2000
US average: 280
Median age
37.6
+5%since 2000
from 35.8 in 2000
US average: 38.8
Population, 1990 – 2024
9K10K12K13K14K1990201020202024Coldwater
202414K
1990201020202024
Section 02

Income & economy

Median household income
$40,561
−20%inflation adjusted, since 2000
from $33,913 in 2000
US average: $66,278
1990 – 2024
Per capita income
$20,269
+28%since 2000
from $15,833 in 2000
US average: $35,364
Households earning $100K+
20.4%
+4.2 ptssince 2009
from 16.2% in 2009
US average: 43.9%
Poverty rate
17.9%
+8.3 ptssince 2000
from 9.6% in 2000
US average: 12.8%
Workforce by industry, 2020
Retail trade28.8%
US avg: 10%
Information10.2%
US avg: 11.1%
Finance & insurance7%
US avg: 5.5%
Professional, scientific, technical4.9%
US avg: 4.7%
Other services4.2%
US avg: 6.6%
Agriculture, forestry, fishing2.3%
US avg: 1.7%
Construction2.3%
US avg: 1.2%
Education & health services2%
US avg: 0.8%
Arts, entertainment, food1.7%
US avg: 2%
Wholesale trade1.6%
US avg: 6.7%
Public administration1.6%
US avg: 4.7%
Transportation & warehousing1.2%
US avg: 2.5%
Manufacturing0%
US avg: 0.5%
BARS: THIS PLACE · TICKS: US AVERAGE
Section 03

Housing

Median home value
$93,400
−14%inflation adjusted, since 2000
from $72,600 in 2000
US average: $265,253
1990 – 2024
Median gross rent
$730
+1%inflation adjusted, since 2000
from $482 in 2000
US average: $1,124
Owner-occupied
56.7%
−10.2 ptssince 2000
from 67.0% in 2000
43.3% rent
Afford Score
2.3
+8%since 2000
from 2.1 in 2000
1990 – 2024
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)
2020
White, non-Hispanic79.5%(10,982)
Black7.1%(986)
Hispanic / Latino8.2%(1,133)
Asian1%(134)
Other2.5%(343)
Diversity Score41.6%(5,751)
Diversity Score
42
+32%since 2000
from 32 in 2000
1990 – 2024
Section 05

Education

Bachelor's degree or higher
11.7%
+0.5 ptssince 2000
from 11.1% in 2000
US average: 32.9%
High school or higher
86.3%
+7.7 ptssince 2000
from 78.5% in 2000
US average: 88.5%
Graduate degree
2.9%
−1.1 ptssince 2000
from 4.0% in 2000
US average: 12.7%
Section 06

Commute & transportation

Average commute
16.0 min
+38%since 2000
from 11.6 min in 2000
US average: 26.9
Drive alone to work
78.8%
−0.4 ptssince 2009
from 79.2% in 2009
US average: 75.1%
No vehicle available
9.1%
+1.3 ptssince 2009
from 7.8% in 2009
US average: 8.4%
Section 07

Work & employment

Unemployment rate
3.4%
−7.4 ptssince 2011
from 10.8% in 2011
US average: 5.4%
Labor force participation
47.8%
−12.9 ptssince 2011
from 60.7% in 2011
US average: 63.4%
Management & professional
20.0%
−40.2 ptssince 2009
from 60.3% in 2009
US average: 39.3%
Section 08

People & community

Male
54.6%
+9.5 ptssince 2009
from 45.1% in 2009
Female
45.4%
−9.5 ptssince 2009
from 54.9% in 2009
Foreign born
9.8%
+2.9 ptssince 2009
from 6.8% in 2009
US average: 13.5%
Uninsured
12.1%
−77.8 ptssince 2013
from 89.9% in 2013
US average: 8.8%
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Compare Coldwater to nearby cities

COLDWATER VS
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Income$51,038+26%
Home value$130,900+40%
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COLDWATER VS
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Home value$205,400+120%
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COLDWATER VS
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Home value$152,600+63%
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COLDWATER VS
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Home value$141,900+52%
Population52,021+266%
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Frequently asked

How many people live in Coldwater, Michigan?

Coldwater, Michigan has about 13,822 residents according to the 2020 American Community Survey.

What is the median household income in Coldwater, Michigan?

The typical household in Coldwater, Michigan earns about $40,561 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 $93,400, and the typical rent is about $730 a month.

How educated are people in Coldwater, Michigan?

About 11.7% 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 17.9% 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 4,215 residents, a change of about 44 percent over that period.

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

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