The median home in Coldwater, Ohio is valued at $274,979, up 7.4% year over year. Coldwater is part of the Celina, OH metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: Celina, OH stress score, crash risk, and 12-month forecast →

Home Value$274,979

+7.4%

AFFORDABILITY

Enter your income for Coldwater.

Income (annual)

Down Payment

$54,996 on $274,979

Stretch — 29.6% of income

Above 28% but manageable with cuts.

PITI$1,848

P/I29.6%

Afford$260K

Gap-$15K

P&I $1,390Tax $357Ins $100

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

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

Other cities in Ohio

Compare Coldwater with other housing markets across Ohio.

Hunting Valley$1601K The Village of Indian Hill$1575K Bentleyville$820K Waite Hill$748K Kirtland Hills$741K Gates Mills$734K Marble Cliff$731K Terrace Park$726K

Full Celina, OH analysis

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

View Celina, OH metro →

COLDWATER, OH