The median home in Coldwater, Michigan is valued at $204,272, up 6.1% year over year. Coldwater is part of the Coldwater, MI metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$204,272

+6.1%

Prices rising — worse for buyers.

Affordability

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Income (annual)

Down Payment

$40,854 on $204,272

Example: $75,000 household income. Change it above to see your own.

Affordable22.8% of income

Under the 28% guideline.

PITI$1,428

P/I22.8%

Afford$250K

Room+$46K

P&I $1,033Tax $262Ins $133

6.50% 30yr, 20% down, county tax + MI ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Michigan

Compare Coldwater with other housing markets across Michigan.

Lake Angelus$1.66M Leland$1.1M Orchard Lake$914K Franklin$845K Lake Leelanau$832K Kewadin$811K Lakeside$800K Northport$758K

Full Coldwater, MI analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Coldwater, MI metro.

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