Everything You Should Know Before Moving to Coldwater, MI
Considering a move to Coldwater, MI? This friendly city of nearly 14,000 offers affordable living, with median home prices around $151,000 and typical rents at $850. Residents enjoy short average commutes of under 20 minutes, mild summers, and a small-town feel. Crime rates are near state averages, and families benefit from local schools and access to Kellogg Community College. With a cost of living well below the national average, Coldwater is a great choice for budget-conscious movers seeking a relaxed lifestyle.
Demographics - Coldwater, MI
Demographics - Coldwater, MI
Coldwater, MI is home to about 13,800 residents, with a median age of 38 and a balanced gender ratio. The city is predominantly White, but also has small Black, Asian, and other minority communities, and nearly 8% of residents speak a language other than English at home. Its moderate population density and welcoming atmosphere make it appealing for families and individuals alike.
Population:
13,822
Density:
1,225 per sq mi
Median Age:
38.1
Gender Ratio:
99 males per 100 females
Non-English Speakers Percentage:
7.8%
Ethnic Composition
White:
90.6%
Black:
2.6%
Asian:
0.7%
Others:
6.1%
Cost Of Living
What is the average cost of living in Coldwater, MI?
Coldwater offers a cost of living roughly 19% below the national average, with median home values around $151,000 and typical rents at $850 per month. Utilities and groceries are generally affordable, making the city an attractive option for budget-conscious residents. State income taxes are flat at 4.25%, contributing to manageable living expenses.
Median House Value:
$150,900
Gross Rent:
$850
Monthly Electricity Charges:
$110
Auto Insurance:
$1,325
House Owner Cost With Mortgage:
$1,115
House Owner Cost Without Mortgage:
$410
State Taxes:
Low:
4.25%
|
High:
4.25%
Cost Of Living Index:
81.1
Grocery:
92.1
Housing:
61.5
Utilities:
96.7
Transportation:
92.3
Health Care:
88.2
Miscellaneous:
85.9
Crime
Is Coldwater, MI a safe place to live?
Crime rates in Coldwater are close to state averages, with about 235 violent crimes and 1,625 property crimes per 100,000 residents annually. Residents face a 1 in 425 chance of being a victim of violent crime and a 1 in 61 chance for property crime. The city maintains a sense of safety while offering typical small-town peace of mind.
Violent Crimes Per 100k:
235
Property Crimes Per 100k:
1,625
Crime Index:
1,860
Chance Of Violent Crime:
1 in 425
Chance Of Property Crime:
1 in 61
Weather
What is the weather like in Coldwater, MI year-round?
Coldwater experiences four distinct seasons, featuring cold winters with lows around 16°F and warm summers reaching up to 82°F. The area receives about 36 inches of rainfall annually and enjoys sunshine nearly half the year. Residents can expect comfortable transitions between spring, summer, fall, and winter.
Winter
Min:
16°F
Max:
32°F
Spring
Min:
36°F
Max:
62°F
Summer
Min:
58°F
Max:
82°F
Fall
Min:
38°F
Max:
65°F
Average Rainfall Inches:
36.3 inches
Sunny Days Percentage:
48%
Neighbors
Households in Coldwater earn a median income of $48,540, with a family income around $58,200 and a poverty rate of 16%. The average commute is under 20 minutes, and public transportation use is minimal, reflecting the city’s small-town character. Most adults have at least a high school education, contributing to a close-knit and supportive community.
Median Income:
$31,900
Household Income:
$48,540
Family Income:
$58,200
Per Capita Income:
$24,500
Income Male:
$41,800
Income Female:
$31,000
Poverty Rate:
16.1%
Non English Speakers:
7.8%
Rent:
$850
Unemployment Rate:
4.6%
Public Transport Usage:
0.4%
Commute Time:
19.8 minutes
Education
High School or Higher:
86.9%
Bachelors or More:
15.2%
Education
How are the schools in Coldwater, MI?
Coldwater offers a range of educational opportunities, from public schools like Coldwater High School and Lakeland Elementary to private options such as St. Charles Borromeo Catholic School. Higher education is available locally through Kellogg Community College and a branch campus of Trine University. The city’s schools feature manageable student-teacher ratios and support lifelong learning.
Public Schools
Name:
Coldwater High School
Street:
275 N. Fremont St
Phone:
517-279-5930
Students:
750
Student Teacher Ratio:
20.5
Name:
Lakeland Elementary School
Street:
50 Hawthorne Rd
Phone:
517-279-5970
Students:
550
Student Teacher Ratio:
17.2
Private Schools
Name:
St. Charles Borromeo Catholic School
Street:
79 Harrison St
Phone:
517-278-2538
Students:
120
Colleges
Name:
Kellogg Community College
City:
Coldwater
State:
MI
Distance:
0 miles
Students:
550
Name:
Trine University (Branch Campus)
City:
Coldwater
State:
MI
Distance:
0 miles
Students:
120
Healthcare
Coldwater is served by ProMedica Coldwater Regional Hospital, offering general and emergency care to local residents. Healthcare coverage is high, with nearly 94% of people insured and about 1.5 physicians per 1,000 residents. The city provides solid healthcare access for families and individuals alike.
Major Hospitals
Name:
ProMedica Coldwater Regional Hospital
Address:
274 E Chicago St, Coldwater, MI 49036
Phone:
(517) 279-5400
Type:
General & Surgical
Emergency Services:
Yes
Physicians Per 1000:
1.5
Health Insurance Coverage:
93.9%
Health Care Index:
78.8
Housing Market
What is the housing market like in Coldwater, MI?
The median home price in Coldwater is a budget-friendly $151,000, with an average rent for a two-bedroom apartment at $850. Homeownership rates are strong at 59%, and the housing market has seen steady appreciation of 4.2% over the past year. Vacancy and foreclosure rates remain low, indicating a stable and accessible housing market.
Median Home Price:
$150,900
Average Rent For 2 Bedroom:
$850
Owner Occupied Rate:
59.1%
Rental Vacancy Rate:
6.8%
Home Appreciation Rate (1yr):
4.2%
New Construction Rate:
0.8%
Foreclosure Rate:
0.7%
DMV Information
Residents can access driver and vehicle services at the Michigan Secretary of State – Coldwater Branch Office, conveniently located on Chicago Street. The branch provides essential DMV services for licensing, registration, and more. For information or appointments, locals can visit the official Michigan SOS website or call the office directly.
State:
Michigan
Department:
Michigan Secretary of State – Coldwater Branch Office
Address:
62 W. Chicago St., Coldwater, MI 49036
Phone:
(888) 767-6424
Website:
Disclaimer: The information provided on this page is based on publicly available sources including AccuWeather, U.S. Census Bureau, local government data, and third-party partners such as Neustar. While we strive to ensure accuracy, all data is provided “as is” and should be independently verified before making any decisions. Movers.com makes no guarantees regarding the completeness or reliability of the information.