Coldwater, Ohio.
Typical home $294,962 (+5.1% in a year). Celina, OH metro.
Property tax and schools in Coldwater
Coldwater’s own tax page → what a home here pays, who charges it, its levies and ballot, and its schools.
Coldwater is in Mercer County, where its property tax is set. Its homes there are in the Coldwater Exempted Village school district. Check your own bill.
to buy the typical home at today's mortgage rate — +$881 (+132%) since Jan 2020.
- 1 year
- Up $14,432 +5%
- $280,530$294,962 since Sep 2025
- 5 years
- Up $75,444 +34%
- $219,519$294,962 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$1,548
- Ohio$1,291
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 12 years.
Typical home values in Coldwater, OH rose 5.1% over the past year — faster than the nation's +1.2%.
Living in Coldwater, Mercer County, Ohio
Coldwater is a village of 4,774 people in Mercer County. Half its households earn more than $68,009 a year and half less, against $76,782 across Mercer County; 2% of its people live below the poverty line. 70% of its homes are lived in by their owners and 30% are rented. Unemployment in Mercer County was 2.3% in August 2026, and the county had 1.8% fewer jobs in 2025 than the year before. The most residents work in manufacturing, then schools and health care.
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 It can be wrong or out of date.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 village in Mercer County, Ohio, with a younger population than many small towns, and most homes are lived in by their owners. Household incomes run below the county's, and very few residents live below the poverty line. Winters are cold, with a fair amount of snow, and summers are warm.
Work. Residents work mainly in manufacturing, in schools, hospitals and social care, in shops, and in the building trades. Among the largest workplaces in Coldwater are Mercer County Community Hospital, Coldwater Exempted Village Schools and Lincoln Electric Automation Coldwater, which makes arc welding equipment. Commutes are short, and very few people work from home. Unemployment across Mercer County has come down over the past year, though the county has fewer jobs than it did a year earlier.
Things to do. Grand Lake St. Marys, a reservoir, and Grand Lake St. Marys State Park are both a short drive away. Fort Recovery, a museum, is also a short drive off. For a longer outing, Eldora Speedway is a race track a longer drive away.
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- 1,600households
- 29%of adults have a degree
- 2%below the poverty line
- 16 mintypical commute
- 3%work from home
What residents work in
Employed residents by industry, from the Census survey. Mercer County had 20,220 jobs in 2025, 1.8% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 34° and lows near 19°; warmest in July, with highs near 84° and lows near 63°. About 29 inches of snow and 40 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Celina Northeast weather station, 8 miles away (NOAA).
Largest workplaces in Coldwater
- Mercer County Community HospitalGeneral hospital401FTE
- Coldwater Exempted Village SchoolsSchool district250FTE
- Casad CompanyCommercial screen printing175
- Basic Grain ProductsCheese curls and puffs manufacturing164
- Lincoln Electric Automation ColdwaterArc welding equipment manufacturing94
- Navitor - Coldwater70
- Lefeld Industrial & Welding SuppliesWelding supplies merchant wholesalers45
- WielandPrecision turned product manufacturing38
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 8 workplaces with 20 or more staff, 653 people in all. Hospitals come from their Medicare cost reports (CMS, 2023) and school districts from the Common Core of Data (NCES, 2023–24); 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
- TornadoesVery high
- Strong windRelatively high
- HailRelatively high
- EarthquakesRelatively moderate
- Ice stormsRelatively moderate
- Inland floodingRelatively moderate
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, relatively moderate. 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 Mercer County and the Celina, OH metro.
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$294,962
- Ohio$245,982
- 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.
- Coldwater9
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.