Coldwater, Ohio Demographics & Population 2026
During the 2020–2024 ACS period, Coldwater, Ohio had a total population of 4,191, the 323rd largest village in Ohio, with a median household income of $68,009, which is 5% lower than the state average. The poverty rate is 2.4%.
Data vintage: U.S. Census Bureau ACS 2020–2024 5-Year Estimates · refreshed July 2026 · Methodology & source notes
Key Takeaways
- An exceptionally low poverty rate of 2.4% — among the lowest in Ohio.
- Near full employment with an unemployment rate of just 0.5%.
Coldwater Quick Facts
How Coldwater Changed
Change from the 2019–2023 ACS period to 2020–2024. These are rolling five-year estimates, not year-over-year measurements.
| Metric | 2019–2023 | 2020–2024 | Change |
|---|---|---|---|
| Population | 4,387 | 4,191 | -4.5% |
| Median household income | $77,730 | $68,009 | -12.5% |
| Median home value | $215,700 | $232,200 | +7.6% |
How Coldwater Compares
Median Household Income
Median Home Value
Economy & Housing
Household Income Distribution
Detailed income brackets
Employment
Housing Overview
People & Demographics
Age Distribution
Race & Ethnicity
Diversity Index
A less diverse community where one racial or ethnic group represents a large majority.
State average: 41 | National average: 61
Education
Educational Attainment (Adults 25+)
Coldwater Rankings in Ohio
Explore Ohio Rankings
Other Cities in Mercer County
| City | Population | Median Income | Poverty | Home Value |
|---|---|---|---|---|
| Celina | 10,903 | $62,849 | 11.4% | $164,100 |
| St. Henry | 2,741 | $115,653 | 2.8% | $287,000 |
| Fort Recovery | 1,729 | $66,563 | 2.7% | $162,500 |
| Maria Stein | 1,305 | $94,141 | 0.0% | $339,100 |
| Rockford | 1,008 | $57,833 | 10.8% | $135,400 |
| Mendon | 713 | $66,250 | 8.6% | $100,000 |
| Chickasaw | 394 | $101,250 | 1.3% | $296,900 |
| Montezuma | 117 | $80,833 | 4.3% | $110,900 |
Cities Similar to Coldwater
These cities in the same state have comparable population and economic profiles.
| City | Population | Median Income | Home Value | Bachelor's+ | Poverty |
|---|---|---|---|---|---|
| New Lebanon | 4,169 | $69,906 | $115,600 | 10.5% | 21.9% |
| Swanton | 4,098 | $68,299 | $172,700 | 17.9% | 10.4% |
| St. Bernard | 3,983 | $67,083 | $162,700 | 32.7% | 7.9% |
| Edgewood | 4,107 | $62,917 | $115,500 | 14.1% | 15.1% |
| Cedarville | 4,070 | $63,750 | $200,800 | 43.3% | 23.5% |
Population Overview
Coldwater is a small community located in Ohio, within Mercer County. The total population is 4,191. It ranks as the 323rd most populous out of 1,264 Census-designated places in Ohio.
Age Demographics
The median age in Coldwater is 35.2 years. This is 11% lower than the state median of 39.7 years. With 30.9% of the population under 18, Coldwater has a notably young demographic profile, suggesting a family-oriented community. 10.7% of residents are 75 or older, suggesting a significant retirement-age population with implications for healthcare services and senior housing.
Economy, Income & Housing
The median household income in Coldwater is $68,009. This is 5% lower than the state median of $71,389. It is also 16% lower than the national median of $80,734. The poverty rate stands at 2.4%. This is 82% lower than the state poverty rate of 13.3%. This exceptionally low poverty rate indicates strong economic prosperity across the community. The unemployment rate is 0.5%. This is 90% lower than the state rate of 4.8%. The median home value is $232,200. Housing costs are 8% higher than the state median of $214,800. The home-value-to-income ratio is 3.4x. 70.4% of occupied housing units are owner-occupied. This homeownership rate is 5% higher than the state average of 67.2%.
Race & Ethnicity
Coldwater has a predominantly White (non-Hispanic) population, comprising 93.1% of all residents. Hispanic or Latino residents account for 5.2%. The Black or African American population (0.0%) is well below the state average of 12.0%. The Asian population (1.1%) is well below the state average of 2.5%.
Education
29.0% of residents aged 25 and older hold a bachelor's degree or higher. This is 8% lower than the state rate of 31.5%. Nationally, 35.7% of adults hold at least a bachelor's degree. The high school graduation rate (or equivalent) is 97.9%.
Data Sources & Methodology
All demographic data for Coldwater, Ohio is sourced from the U.S. Census Bureau's American Community Survey (ACS) 2020–2024 5-Year Estimates. The ACS collects data from approximately 3.5 million households annually and pools five years of responses so that even small communities can be measured, though the margin of error widens as the population falls. Comparisons are made against Ohio state averages and national averages calculated from the same dataset. Rankings reflect the city's position among all 1,264 Census-designated places in Ohio. Read more about how these figures are produced on our methodology page, or visit data.census.gov for official data.
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Frequently Asked Questions
What is the population of Coldwater, Ohio?
Coldwater, Ohio has a population of 4,191 according to the most recent U.S. Census ACS 5-Year Estimates.
What is the median household income in Coldwater, OH?
The median household income in Coldwater is $68,009, which is 16% lower than the national median of $80,734.
What is the poverty rate in Coldwater, OH?
The poverty rate in Coldwater is 2.4%. This means approximately 100 residents live below the federal poverty line.
What is the racial makeup of Coldwater, Ohio?
Coldwater's population is 93.1% White, 0.0% Black, 5.2% Hispanic/Latino, and 1.1% Asian.
What is the median home value in Coldwater, OH?
The median home value in Coldwater is $232,200. The home-value-to-income ratio is 3.4x.
How educated is Coldwater, Ohio?
29.0% of adults (25+) in Coldwater hold a bachelor's degree or higher, and 11.0% hold a graduate or professional degree.