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.

Home Value$274,979

+7.4%

Prices rising — worse for buyers.

Affordability

Enter your income for Coldwater.

Income (annual)

Down Payment

$54,996 on $274,979

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

Stretch29.6% 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$1.6M The Village of Indian Hill$1.58M 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

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Coldwater, OH