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CITY

Coldwater

Ohio · 4,716 residents (2025 est.) · 1.939 sq mi
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The short version

Coldwater has lower-than-average household income, with a median household income of $68,009. Population has declined 6% since 2000. Median home value has more than doubled since 2000, reaching $232,200. Poverty is rare here, at 2.4% of residents.

At a glance
Lower income
below the US median
US median: $82,259
Younger
median age 35.2
US median: 38.9
Less educated
29% hold a bachelor's degree
US average: 36%
Less affordable
home values up 43%, inflation adjusted
US median home: $376,019
Section 01

Population & growth

Total population
4,191
−6%since 2000
from 4,482 in 2000
1990 – 2025
Population density
2,161 / sq mi
−6%since 2000
from 2,312 / sq mi in 2000
US average: 281
Median age
35.2
−1%since 2000
from 35.6 in 2000
US average: 38.9

PEP 2025 EST:4,716 residents (Census Bureau Vintage 2025, released March 2026)

Population, 1990 – 2024
4K4K4K5K5K1990201020202024Coldwater
20244K
1990201020202024
Section 02

Income & economy

Median household income
$68,009
−14%inflation adjusted, since 2000
from $43,382 in 2000
US average: $82,259
1990 – 2024
Per capita income
$32,214
+73%since 2000
from $18,583 in 2000
US average: $44,673
Households earning $100K+
45.3%
+21.5 ptssince 2009
from 23.8% in 2009
US average: 53.3%
Poverty rate
2.4%
−3.0 ptssince 2000
from 5.4% in 2000
US average: 12.5%
Income inequality (Gini)
0.353
−4%since 2010
from 0.367 in 2010
US average: 0.476
Workforce by industry, 2024
Retail trade30.4%
US avg: 9.9%
Information8.8%
US avg: 10.8%
Wholesale trade7.2%
US avg: 6.9%
Agriculture, forestry, fishing3.7%
US avg: 1.6%
Construction3.7%
US avg: 1.2%
Transportation & warehousing2.4%
US avg: 2.2%
Arts, entertainment, food2.1%
US avg: 1.9%
Other services1.4%
US avg: 6.7%
Public administration1.4%
US avg: 4.8%
Manufacturing0%
US avg: 0.4%
Finance & insurance0%
US avg: 5.9%
Professional, scientific, technical0%
US avg: 5.1%
Education & health services0%
US avg: 0.9%
BARS: THIS PLACE · TICKS: US AVERAGE
Section 03

Housing

Median home value
$232,200
+43%inflation adjusted, since 2000
from $89,100 in 2000
US average: $376,019
1990 – 2024
Median gross rent
$821
+6%inflation adjusted, since 2000
from $427 in 2000
US average: $1,442
Owner-occupied
70.4%
−9.4 ptssince 2000
from 79.8% in 2000
29.6% rent
Vacancy rate
0.0%
−2.2 ptssince 2009
from 2.2% in 2009
US average: 10.0%
Owner cost-burdened
11.5%
−4.4 ptssince 2009
from 15.9% in 2009
US average: 22.9%
Renter cost-burdened
25.1%
−23.8 ptssince 2009
from 48.9% in 2009
US average: 47.4%
Afford Score
3.4
+66%since 2000
from 2.1 in 2000
1990 – 2024
Gentrification Score
65
RELATED:See current rent listings in Coldwater on RentDataNow
Section 04

Race & ethnicity

2000
White, non-Hispanic98.3%(4,407)
Black0.1%(3)
Hispanic / Latino1.2%(54)
Asian0.1%(6)
Other0%
Diversity Score3.5%(156)
2024
White, non-Hispanic93.1%(3,902)
Black0%(1)
Hispanic / Latino5.2%(219)
Asian1.1%(46)
Other0.5%(23)
Diversity Score16.3%(682)
Diversity Score
16
+368%since 2000
from 3 in 2000
1990 – 2024
Section 05

Education

Bachelor's degree or higher
29.0%
+18.3 ptssince 2000
from 10.7% in 2000
US average: 35.6%
High school or higher
97.9%
+13.2 ptssince 2000
from 84.7% in 2000
US average: 89.6%
Graduate degree
11.0%
+8.2 ptssince 2000
from 2.8% in 2000
US average: 14.0%
Section 06

Commute & transportation

Average commute
16.3 min
+38%since 2000
from 11.9 min in 2000
US average: 26.5
Drive alone to work
78.9%
−8.8 ptssince 2009
from 87.7% in 2009
US average: 68.9%
Carpooled to work
14.8%
+8.6 ptssince 2009
from 6.2% in 2009
US average: 8.5%
Public transit
0.0%
Unchangedsince 2009
from 0.0% in 2009
US average: 3.2%
Worked from home
2.7%
+1.5 ptssince 2009
from 1.2% in 2009
US average: 15.0%
Walked to work
1.7%
−1.3 ptssince 2009
from 3.1% in 2009
US average: 2.4%
Biked to work
1.9%
+1.2 ptssince 2009
from 0.7% in 2009
US average: 0.4%
No vehicle available
7.6%
+6.8 ptssince 2009
from 0.9% in 2009
US average: 8.3%
Section 07

Work & employment

Unemployment rate
0.5%
−5.3 ptssince 2011
from 5.8% in 2011
US average: 5.2%
Labor force participation
67.8%
+0.5 ptssince 2011
from 67.3% in 2011
US average: 63.5%
Self-employed
12.4%
+2.3 ptssince 2009
from 10.1% in 2009
US average: 13.1%
Management & professional
43.1%
−16.9 ptssince 2009
from 60.0% in 2009
US average: 42.5%
Section 08

People & community

Male
43.1%
−8.0 ptssince 2009
from 51.1% in 2009
Female
56.9%
+8.0 ptssince 2009
from 48.9% in 2009
Foreign born
3.1%
+2.0 ptssince 2009
from 1.1% in 2009
US average: 14.1%
Veterans
2.0%
−48.7 ptssince 2009
from 50.8% in 2009
US average: 6.2%
With a disability
10.1%
+0.2 ptssince 2012
from 9.9% in 2012
US average: 13.3%
Uninsured
0.7%
−92.5 ptssince 2013
from 93.2% in 2013
US average: 8.4%
Broadband at home
91.6%
+12.7 ptssince 2017
from 78.9% in 2017
US average: 91.0%
English only at home
93.7%
−4.8 ptssince 2016
from 98.5% in 2016
US average: 77.7%
Spanish at home
4.7%
+4.2 ptssince 2016
from 0.5% in 2016
US average: 13.6%
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Compare Coldwater to nearby cities

COLDWATER VS
Celina
Income$62,849−8%
Home value$164,100−29%
Population10,936+132%
SEE FULL COMPARISON →
COLDWATER VS
St. Marys
Income$79,516+17%
Home value$148,500−36%
Population8,398+78%
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COLDWATER VS
Wapakoneta
Income$65,570−4%
Home value$158,400−32%
Population9,711+106%
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COLDWATER VS
Greenville
Income$47,237−31%
Home value$157,800−32%
Population12,680+169%
SEE FULL COMPARISON →
Frequently asked

How many people live in Coldwater, Ohio?

Coldwater, Ohio has about 4,191 residents according to the 2024 American Community Survey.

What is the median household income in Coldwater, Ohio?

The typical household in Coldwater, Ohio earns about $68,009 a year. Half of households make more than that, and half make less.

Is Coldwater, Ohio expensive?

In Coldwater, Ohio, the median home is worth about $232,200, and the typical rent is about $821 a month.

How educated are people in Coldwater, Ohio?

About 29.0% of adults age 25 and over in Coldwater, Ohio hold a bachelor's degree or higher.

What is the poverty rate in Coldwater, Ohio?

About 2.4% of people in Coldwater, Ohio live below the federal poverty line.

Has Coldwater, Ohio grown since 1990?

Yes, Coldwater, Ohio has shrunk since 1990. The population has lost about 144 residents, a change of about -3 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 →