Coldwater, OH housing market
The typical Coldwater home is worth about $298,000, up 5.5% in a year, 20% above the Ohio typical home.
Home values, sales, trends and how Coldwater compares with the towns next door — updated as new data is published.
Coldwater at a glance
Only 3 sales in May 2026: in a market this size, monthly medians swing a lot, so the typical value above is the steadier guide.
Typical home value, 2016–2026
Show as a table
| January | Coldwater | Ohio |
|---|---|---|
| 2017 | $156,000 | $133,000 |
| 2018 | $162,000 | $141,000 |
| 2019 | $177,000 | $150,000 |
| 2020 | $185,000 | $158,000 |
| 2021 | $208,000 | $178,000 |
| 2022 | $225,000 | $195,000 |
| 2023 | $244,000 | $211,000 |
| 2024 | $259,000 | $224,000 |
| 2025 | $270,000 | $237,000 |
| 2026 | $290,000 | $245,000 |
| August 2026 | $298,000 | $249,000 |
6 new homes permitted in 2025
Builders were permitted 6 new homes in Coldwater in 2025: 4 single-family houses and 2 in buildings with two or more homes, worth about $2.1 million to build. That's 1.4 per 1,000 residents, slower than across Ohio (3.3). Over the past 10 years, Coldwater has permitted 93 homes in all.
Homes vs. people, 2010–2020
Between the 2010 and 2020 censuses, Coldwater gained 347 residents while 121 new homes were permitted: about 2.9 new residents per new home. Building and growth moved roughly in step. Across Ohio: 1.3 new residents per new home.
How Coldwater ranks on housing keeping up with growth →
Residents: U.S. Census Bureau, 2010 and 2020 censuses. New homes: permits issued 2010–2019.
Show as a table
| Year | New homes | Single-family | 2+ per building | Value |
|---|---|---|---|---|
| 2026 (Jan–Aug) | 9 | 7 | 2 | $5.7 million |
| 2025 | 6 | 4 | 2 | $2.1 million |
| 2024 | 7 | 3 | 4 | $1.9 million |
| 2023 | 8 | 2 | 6 | $3 million |
| 2022 | 11 | 9 | 2 | $4.8 million |
| 2021 | 5 | 3 | 2 | $1.5 million |
| 2020 | 3 | 3 | 0 | $1.3 million |
| 2019 | 2 | 2 | 0 | $900,000 |
| 2018 | 16 | 10 | 6 | $3.3 million |
| 2017 | 25 | 8 | 17 | $4 million |
| 2016 | 10 | 5 | 5 | $2.1 million |
| 2015 | 20 | 12 | 8 | $4.2 million |
| 2014 | 17 | 14 | 3 | $4.6 million |
| 2013 | 7 | 7 | 0 | $1.8 million |
| 2012 | 10 | 10 | 0 | $1.7 million |
| 2011 | 2 | 2 | 0 | $550,000 |
| 2010 | 12 | 12 | 0 | $390,000 |
| 2009 | 4 | 4 | 0 | $825,000 |
| 2008 | 12 | 12 | 0 | $2.9 million |
| 2007 | 6 | 6 | 0 | $1.8 million |
| 2006 | 9 | 7 | 2 | $1.6 million |
| 2005 | 17 | 17 | 0 | $3.5 million |
| 2004 | 13 | 13 | 0 | $2.5 million |
| 2003 | 12 | 12 | 0 | $2.4 million |
| 2002 | 10 | 10 | 0 | $1.5 million |
| 2001 | 13 | 13 | 0 | $2.6 million |
| 2000 | 14 | 9 | 5 | $1.6 million |
How Coldwater ranks on new homes being built →
Homes authorized by building permits, counted in the year the permit was issued. U.S. Census Bureau, Building Permits Survey, through August 2026.
4.4 years of income
The typical Coldwater home costs about 4.4 years of the town's median household income, more than across Ohio (3.5 years).
How Coldwater ranks on affordability →
Home value ÷ ACS median household income.
Owners, rent & taxes
U.S. Census Bureau, ACS 2020-2024.
A two-bedroom rents for about $970
HUD's Fair Market Rent for a two-bedroom in Coldwater is $970 a month, utilities included: roughly what a modest, recently rented unit costs. Renters already in Coldwater pay a median of $821, so moving in tends to cost more than staying put. A two-bedroom takes about 17% of the town's median household income.
Studio $740 · 4 bedrooms $1,290
U.S. Department of Housing and Urban Development, FY2026 Fair Market Rents by ZIP code (45828; Mercer County, OH), weighted by land area. A Fair Market Rent is the 40th-percentile rent plus utilities for a standard unit. Median rent: U.S. Census Bureau, American Community Survey.
Home values: Zillow Home Value Index (ZHVI), Zillow Research, August 2026. Sales, days on market and supply: Redfin Data Center, May 2026. Income, ownership, taxes and rent: U.S. Census Bureau, American Community Survey. New homes: U.S. Census Bureau, Building Permits Survey. Fair Market Rents: U.S. Department of Housing and Urban Development. Listings link to their publishers.