Coldwater, MI population, income and ZIP codes

Coldwater city is a mid-size town in Michigan, with 13,847 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #78 of 745 ranked by population — larger than 89% of them. The median age here is 40.2 years against 39.1 nationally, a slightly older profile than the country as a whole. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in Coldwater city earn a median of $50,084 a year, 36.2% below the national figure of $78,538 and 19% below the $61,715 median for the 438 Michigan cities we cover. The median is the midpoint household, not an average, so a handful of very high earners cannot drag it upward the way they distort a mean. Poverty reaches 19.9% of residents here, well above the 12.4% national rate, which is the single clearest signal in this dataset that median income here is carried by a narrow band of households.

The typical owner-occupied home in Coldwater city is valued at $120,900, 60.2% below the national figure and 27% below the $166,100 peer median, while median gross rent runs $912 a month, 35.1% below the national figure, or roughly $10,944 across a full year. A household on the local median income would put about 21.9% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 2.4×, against roughly 3.9× nationally, so purchase prices are unusually low against local pay, the pattern in places where supply is plentiful and wage growth has been flat. 61.3% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

Every value on this page is published directly by the Census for this area — nothing is modelled or interpolated. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.