Ohio / Mercer County

Moving to Coldwater, OH

Thinking of making a move to Coldwater, OH? Get helpful local information about living costs, neighborhoods, schools, weather, housing, DMV details, and practical relocation details before you plan your move.

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Everything You Should Know Before Moving to Coldwater, OH

Considering a move to Coldwater, OH? This welcoming community of 4,655 residents offers a blend of suburban charm and convenience, with median home prices around $192,000 and average rents near $755. Commute times average 16 minutes and public transport is accessible, making it great for professionals. The area boasts low violent crime, strong schools, and plenty of sunny days (54% annually), ideal for families and commuters alike. Explore Coldwater's cost of living, education, and friendly neighborhoods to see if it's the right fit for your next move.

Demographics - Coldwater, OH

Coldwater has a population of 4,655 residents, offering a diverse community with a median age of nearly 38 and a balanced gender ratio. The area features a strong blend of backgrounds, with about 97% White, 0% Black, and 0% Asian residents, and over 2% speaking a language other than English at home. Its high population density contributes to a lively suburban atmosphere.

Population
4,655
Density
1,771 per sq mi
Median Age
38.2
Gender Ratio
99 males per 100 females
Non-English Speakers Percentage
2.3%

Ethnic Composition

White
97.4%
Black
0.2%
Asian
0.4%
Others
2.0%

Cost Of Living

What is the average cost of living in Coldwater, OH?

The cost of living in Coldwater is higher than the national average, with a cost of living index of 81.1. Median home values are around $192,000 and average rents for a two-bedroom apartment are approximately $755. Utilities, groceries, and transportation costs are also elevated, reflecting the area's desirable location and amenities.

Median House Value
$192,000
Gross Rent
$755
Monthly Electricity Charges
$115
Auto Insurance
$950
House Owner Cost With Mortgage
$1,210
House Owner Cost Without Mortgage
$430
State Taxes
Low: 0.5%| High: 3.99%
Cost Of Living Index
81.1
Grocery
94.2
Housing
70.5
Utilities
97.6
Transportation
84.1
Health Care
88.7
Miscellaneous
90.4

Crime

Is Coldwater, OH a safe place to live?

Coldwater is considered a safe community, with a low violent crime rate of 54 incidents per 100,000 residents and a property crime chance of 1 in 146. Most residents enjoy peace of mind, making it an attractive choice for families. The crime index remains below many urban areas in Ohio.

Violent Crimes Per 100k
54
Property Crimes Per 100k
683
Crime Index
737
Chance Of Violent Crime
1 in 1,850
Chance Of Property Crime
1 in 146

Weather

What is the weather like in Coldwater, OH year-round?

Coldwater experiences four distinct seasons, with warm summers reaching highs of 84°F and cold winters dipping to 18°F. The area receives about 41 inches of rainfall annually and enjoys sunshine on 54% of days. This climate offers residents a balanced mix of outdoor opportunities year-round.

Winter

Min
18°F
Max
36°F

Summer

Min
63°F
Max
84°F

Spring

Min
41°F
Max
65°F

Fall

Min
44°F
Max
67°F
Average Rainfall Inches
40.5 inches
Sunny Days Percentage
54%

Neighbors

The neighborhood boasts a healthy median household income of $77,200 and a low poverty rate of 6.1%. Over 96% of residents have at least a high school diploma, and nearly 21% hold a bachelor's degree or higher. Commute times average 16 minutes, and almost 0% use public transportation, reflecting the area's accessibility and educated population.

Median Income
$38,950
Household Income
$77,200
Family Income
$89,700
Per Capita Income
$33,500
Income Male
$49,000
Income Female
$37,500
Poverty Rate
6.1%
Non English Speakers
2.3%
Rent
$755
Unemployment Rate
3.4%
Public Transport Usage
0.2%
Commute Time
15.8 minutes

Education

High School or Higher
95.8%
Bachelors or More
21.4%

Education

How are the schools in Coldwater, OH?

Coldwater offers quality education options, with public schools like Coldwater Elementary School and Coldwater High School known for favorable student-to-teacher ratios. Families also have access to private schools and several nearby colleges, including Wright State University–Lake Campus and Rhodes State College. The community is committed to educational excellence for all age groups.

Public Schools

Name
Coldwater Elementary School
Street
310 N 2nd St
Phone
419-678-2611
Students
600
Student Teacher Ratio
16.5
Name
Coldwater High School
Street
310 N 2nd St
Phone
419-678-4821
Students
400
Student Teacher Ratio
15.7

Private Schools

Name
C.A.L.L. Ministries Christian School
Street
420 N Second St
Phone
419-678-2552
Students
60

Colleges

Name
Wright State University–Lake Campus
City
Celina
State
OH
Distance
8 miles
Students
2,100
Name
Rhodes State College
City
Lima
State
OH
Distance
28 miles
Students
4,100

Healthcare

Coldwater residents have access to quality healthcare, with major hospitals like Mercer Health Coldwater Hospital nearby. The community benefits from a high physician-to-resident ratio of 1.7 per 1,000 people and 93.8% health insurance coverage. Local healthcare services are reliable and comprehensive.

Major Hospitals

Name
Mercer Health Coldwater Hospital
Address
800 W Main St, Coldwater, OH 45828
Phone
(419) 678-2341
Type
General & Surgical
Emergency Services
Yes

Healthcare Access

Physicians Per 1000
1.7
Health Insurance Coverage
93.8%
Health Care Index
77.1

Housing Market

What is the housing market like in Coldwater, OH?

The local housing market is strong, with a median home price of $192,000 and an owner-occupied rate of nearly 80%. The market has seen a 6.5% appreciation over the past year, and rental vacancy rates remain moderate at 5.1%. Coldwater offers a mix of stability and opportunity for both buyers and renters.

Median Home Price
$192,000
Average Rent For 2 Bedroom
$755
Owner Occupied Rate
80.2%
Rental Vacancy Rate
5.1%
Home Appreciation Rate (1yr)
6.5%
New Construction Rate
1.2%
Foreclosure Rate
0.3%

DMV Information

Residents of Coldwater handle vehicle services through the Ohio Bureau of Motor Vehicles, conveniently located in Celina. The state DMV provides driver licensing, vehicle registration, and other essential services both in person and online. Information and resources are easily accessible for new and existing residents.

State
Ohio
Department
Ohio Bureau of Motor Vehicles
Address
233 W. Market St., Celina, OH 45822
Phone
1-844-644-6268

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.

FAQs About Moving to Coldwater, OH

Answers use the same city data shown on this page, including costs, housing, schools, safety, weather, healthcare, and DMV details.

Before moving to Coldwater, review the core fields on this page: population 4,655, median home value $192,000, average rent for 2 bedroom $755, commute time 15.8 minutes, and sunny days percentage 54%.

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