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MICROPOLITAN AREA

Coldwater Micro

Coldwater, MI · 1 counties · 45,993 residents (2025 est.) · 506.411 sq mi
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The short version

Coldwater has lower-than-average household income, with a median household income of $63,724. Population has held roughly steady since 2000. 17% 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 $162,500.

At a glance
Lower income
below the US median
US median: $82,259
Mid-age
median age 40.6
US median: 38.9
Less educated
17% 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
45,300
−1%since 2000
from 45,787 in 2000
1990 – 2025
Population density
89 / sq mi
−1%since 2000
from 90 / sq mi in 2000
US average: 281
Median age
40.6
+11%since 2000
from 36.7 in 2000
US average: 38.9

PEP 2025 EST:45,993 residents (Census Bureau Vintage 2025, released March 2026)

Population, 1990 – 2024
41K42K44K45K46K1990201020202024Coldwater
202445K
1990201020202024
Section 02

Income & economy

Median household income
$63,724
−10%inflation adjusted, since 2000
from $38,760 in 2000
US average: $82,259
1990 – 2024
Per capita income
$31,163
+78%since 2000
from $17,552 in 2000
US average: $44,673
Households earning $100K+
41.9%
+21.4 ptssince 2009
from 20.5% in 2009
US average: 53.3%
Poverty rate
16.4%
+7.1 ptssince 2000
from 9.3% in 2000
US average: 12.5%
Income inequality (Gini)
0.421
+3%since 2010
from 0.409 in 2010
US average: 0.476
Workforce by industry, 2024
Retail trade26.5%
US avg: 9.9%
Information12.8%
US avg: 10.8%
Finance & insurance6.6%
US avg: 5.9%
Professional, scientific, technical5.8%
US avg: 5.1%
Wholesale trade5.4%
US avg: 6.9%
Agriculture, forestry, fishing2.8%
US avg: 1.6%
Construction2.8%
US avg: 1.2%
Other services2.7%
US avg: 6.7%
Public administration2%
US avg: 4.8%
Transportation & warehousing2%
US avg: 2.2%
Education & health services0.9%
US avg: 0.9%
Arts, entertainment, food0.4%
US avg: 1.9%
Manufacturing0%
US avg: 0.4%
BARS: THIS PLACE · TICKS: US AVERAGE
Section 03

Housing

Median home value
$162,500
+7%inflation adjusted, since 2000
from $83,300 in 2000
US average: $376,019
1990 – 2024
Median gross rent
$959
+10%inflation adjusted, since 2000
from $477 in 2000
US average: $1,442
Owner-occupied
77.7%
−1.3 ptssince 2000
from 78.9% in 2000
22.3% rent
Vacancy rate
19.4%
−1.0 ptssince 2009
from 20.3% in 2009
US average: 10.0%
Owner cost-burdened
17.7%
−7.7 ptssince 2009
from 25.4% in 2009
US average: 22.9%
Renter cost-burdened
37.9%
−4.6 ptssince 2009
from 42.5% in 2009
US average: 47.4%
Afford Score
2.6
+19%since 2000
from 2.1 in 2000
1990 – 2024
Gentrification Score
24
RELATED:See current rent listings in Coldwater on RentDataNow
Section 04

Race & ethnicity

2000
White, non-Hispanic92%(42,134)
Black2.6%(1,187)
Hispanic / Latino3%(1,365)
Asian0.4%(179)
Other0%
Diversity Score14.5%(6,662)
Segregation Score0%
2024
White, non-Hispanic86.4%(39,155)
Black1.7%(757)
Hispanic / Latino6.8%(3,071)
Asian0.4%(202)
Other4.7%(2,115)
Diversity Score30.7%(13,920)
Segregation Score30.1%(13,617)
Diversity Score
31
+111%since 2000
from 15 in 2000
1990 – 2024
Segregation Score
30
−10%since 2020
from 34 in 2020
Section 05

Education

Bachelor's degree or higher
17.3%
+6.7 ptssince 2000
from 10.6% in 2000
US average: 35.6%
High school or higher
88.6%
+8.7 ptssince 2000
from 80.0% in 2000
US average: 89.6%
Graduate degree
4.9%
+1.3 ptssince 2000
from 3.6% in 2000
US average: 14.0%
Section 06

Commute & transportation

Average commute
22.7 min
+59%since 2000
from 14.3 min in 2000
US average: 26.5
Drive alone to work
78.6%
−1.4 ptssince 2009
from 80.0% in 2009
US average: 68.9%
Carpooled to work
11.1%
+0.9 ptssince 2009
from 10.2% in 2009
US average: 8.5%
Public transit
0.2%
−0.3 ptssince 2009
from 0.4% in 2009
US average: 3.2%
Worked from home
6.2%
+0.8 ptssince 2009
from 5.4% in 2009
US average: 15.0%
Walked to work
2.1%
−0.6 ptssince 2009
from 2.7% in 2009
US average: 2.4%
Biked to work
0.4%
Unchangedsince 2009
from 0.4% in 2009
US average: 0.4%
No vehicle available
6.7%
+2.0 ptssince 2009
from 4.7% in 2009
US average: 8.3%
Section 07

Work & employment

Unemployment rate
5.7%
−6.1 ptssince 2011
from 11.7% in 2011
US average: 5.2%
Labor force participation
58.1%
+1.7 ptssince 2011
from 56.4% in 2011
US average: 63.5%
Self-employed
9.6%
−3.8 ptssince 2009
from 13.4% in 2009
US average: 13.1%
Management & professional
27.3%
−32.2 ptssince 2009
from 59.6% in 2009
US average: 42.5%
Section 08

People & community

Male
51.8%
−0.8 ptssince 2009
from 52.5% in 2009
Female
48.2%
+0.8 ptssince 2009
from 47.5% in 2009
Foreign born
3.9%
+0.8 ptssince 2009
from 3.2% in 2009
US average: 14.1%
Veterans
6.6%
−46.5 ptssince 2009
from 53.1% in 2009
US average: 6.2%
With a disability
15.9%
+2.5 ptssince 2012
from 13.4% in 2012
US average: 13.3%
Uninsured
9.8%
−76.9 ptssince 2013
from 86.7% in 2013
US average: 8.4%
Broadband at home
84.7%
+12.0 ptssince 2017
from 72.7% in 2017
US average: 91.0%
English only at home
88.3%
−3.3 ptssince 2016
from 91.6% in 2016
US average: 77.7%
Spanish at home
4.0%
+0.3 ptssince 2016
from 3.7% in 2016
US average: 13.6%
In this metro

Principal cities

ColdwaterCENTRAL14,216
What's inside

1 component county

Branch CountyCENTRAL45,993
Drill deeper

Metros similar to Coldwater

Lewistown
Pop 46,127
Hillsdale
Pop 45,738
Burlington
Pop 44,061
Freeport
Pop 43,220
Places similar to Coldwater
Head to head

Compare Coldwater side by side

COLDWATER VS
Lewistown
Income$63,953same
Home value$156,700−4%
Population46,127same
SEE FULL COMPARISON →
COLDWATER VS
Hillsdale
Income$64,242+1%
Home value$176,100+8%
Population45,738−1%
SEE FULL COMPARISON →
COLDWATER VS
Burlington
Income$62,831−1%
Home value$132,051−19%
Population44,061−4%
SEE FULL COMPARISON →
COLDWATER VS
Freeport
Income$64,043+1%
Home value$134,900−17%
Population43,220−6%
SEE FULL COMPARISON →
Frequently asked

How many people live in Coldwater, MI?

Coldwater, MI has about 45,300 residents according to the 2024 American Community Survey.

What is the median household income in Coldwater, MI?

The typical household in Coldwater, MI earns about $63,724 a year. Half of households make more than that, and half make less.

Is Coldwater, MI expensive?

In Coldwater, MI, the median home is worth about $162,500, and the typical rent is about $959 a month.

How educated are people in Coldwater, MI?

About 17.3% of adults age 25 and over in Coldwater, MI hold a bachelor's degree or higher.

What is the poverty rate in Coldwater, MI?

About 16.4% of people in Coldwater, MI live below the federal poverty line.

Has Coldwater, MI grown since 1990?

Yes, Coldwater, MI has grown since 1990. The population has added about 3,798 residents, a change of about 9 percent over that period.

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DATA: US CENSUS BUREAU ACS 5-YEAR + DECENNIAL CENSUS · METRO ROLLUP OF COMPONENT COUNTIES · UPDATED 2024

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