Coldwater, Kansas.
Typical home $84,040 (-6.9% in a year).
to buy the typical home at today's mortgage rate — +$220 (+100%) since Jan 2020.
- 1 year
- Down $6,211 -7%
- $90,251$84,040 since Sep 2025
- 5 years
- Up $17,426 +26%
- $66,614$84,040 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.
- Coldwater$441
- Kansas$1,291
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 15 years.
Typical home values in Coldwater, KS fell 6.9% over the past year — slower than the nation's +1.2%.
Living in Coldwater, Comanche County, Kansas
Coldwater is a city of 687 people in Comanche County. Half its households earn more than $51,338 a year and half less, against $54,545 across Comanche County; 8% of its people live below the poverty line. Unemployment in Comanche County was 3.9% in August 2026, and the county had 5.5% more jobs in 2025 than the year before. The most people in Comanche County work in schools and health care, then farming.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Coldwater is a small city, home to far fewer people than most American towns. Household incomes run a little below the county's, and homes are modestly priced. Winters are cold and summers are hot, with some snow each year and a moderate amount of rain and melted snow.
Work. Many residents work in schools, hospitals and social care, with others in farming, forestry and mining, in shops, and in the building trades. Across Comanche County, the largest workplaces include Comanche County Hospital, Comanche County Schools and Protection Valley Manor. Commutes are short, and very few people work from home.
Things to do. For time outdoors, Kiowa Creek is a river and Clark County State Lake is a reservoir, both a longer drive away. Cimarron Redoubt, also a longer drive away, is a fort for anyone interested in the region's history.
Report a mistake
- 413households
- 16%of adults have a degree
- 8%below the poverty line
- 9 mintypical commute
- 2%work from home
What people in Comanche County work in
Employed residents by industry, from the Census survey. Comanche County had 656 jobs in 2025, 5.5% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 49° and lows near 24°; warmest in July, with highs near 95° and lows near 70°. About 17 inches of snow and 25 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Coldwater weather station, under a mile away (NOAA).
Largest workplaces in Comanche County
- Protection Valley ManorNursing homes61
- Comanche County SchoolsSchool district51FTE
- Comanche County HospitalCritical access hospital46FTE
- Pioneer LodgeHomes for the elderly with nursing care36
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 3 workplaces with 20 or more staff, 156 people in all across the county; Coldwater has none of its own. School districts come from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- WildfireVery high
- Cold wavesVery high
- HailVery high
- Strong windVery high
- TornadoesVery high
- DroughtRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Coldwater’s census tracts, against the rest of the country; all of them together, very high. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Comanche County.
Coldwater home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Coldwater$84,040
- Kansas$246,055
- United States$366,157
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Coldwater10
New listings per month
Sellers arriving at the market.
Not enough data to draw this yet.
Zip codes with a Coldwater address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Coldwater — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.