45828
Coldwater, Ohio.
Coldwater, Mercer County, OH · Celina, OH metro · population 6,404
to buy the typical home at today's mortgage rate — +$880 (+132%) since Jan 2020.
- 1 year
- Up $14,350 +5%
- $280,030$294,380 since Sep 2025
- 5 years
- Up $75,069 +34%
- $219,310$294,380 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- 45828$1,545
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 12 years.
Typical home values in zip 45828 rose 5.1% over the past year — faster than the nation's +1.2%.
School districts in 45828, by share of its land: Coldwater Exempted Village 58% · Fort Recovery Local 21% · Celina City 13% · St Henry Consolidated Local 6% · Parkway Local 2%. Which one a home is in is printed on its tax bill.
Zillow also publishes an index for the city itself: Coldwater, OH — measured over the city limits, which is a different area from this zip.
Typical home value — 45828
Mid-tier homes, smoothed and seasonally adjusted.
- 45828$294,380
- Celina$275,654
- United States$366,157
Within 20 miles
| Miles sorted ascending, activate to sort descending | Zip activate to sort by Zip | City activate to sort by City | Population activate to sort by Population | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|---|
| 6.2 | 45883 | Saint Henry | 4,144 | — | $382,292 |
| 6.2 | 45822 | Celina | 19,957 | — | $245,305 |
| 6.5 | 45846 | Fort Recovery | 4,644 | — | $350,454 |
| 6.7 | 45866 | Montezuma | 117 | — | $156,203 |
| 9.4 | 45310 | Burkettsville | 227 | — | $230,058 |
| 10.6 | 45860 | Maria Stein | 2,326 | — | $436,873 |
| 11.1 | 45348 | New Weston | 848 | — | $288,173 |
| 13.2 | 45882 | Rockford | 2,919 | — | $229,723 |
| 13.9 | 45351 | Osgood | 328 | — | $273,265 |
| 14.0 | 45362 | Rossburg | 1,071 | — | $271,985 |
| 15.0 | 45869 | New Bremen | 4,170 | — | $313,566 |
| 15.1 | 45388 | Yorkshire | 841 | — | $356,262 |
| 15.3 | 45862 | Mendon | 1,417 | — | $179,682 |
| 15.6 | 47371 | Portland | 12,424 | — | $168,582 |
| 15.9 | 47326 | Bryant | 1,803 | — | $260,661 |
| 16.3 | 45885 | Saint Marys | 12,753 | — | $209,392 |
| 17.1 | 46740 | Geneva | 4,486 | — | $270,390 |
| 17.3 | 45865 | Minster | 5,522 | — | $344,469 |
| 17.8 | 46711 | Berne | 8,353 | — | $256,034 |
| 17.8 | 45898 | Willshire | 917 | — | $183,647 |
| 18.8 | 45380 | Versailles | 5,394 | — | $307,548 |
| 18.8 | 45303 | Ansonia | 2,188 | — | $188,104 |
| 19.1 | 45845 | Fort Loramie | 3,429 | — | $348,450 |
| 19.1 | 45390 | Union City | 3,432 | — | $154,131 |
| 19.8 | 45871 | New Knoxville | 2,167 | — | $268,051 |
Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.