Median home value in zip code 45828 (Coldwater, OH) is $277,997, up 7.0% year over year. Part of the Celina, OH metropolitan area.

Home Value$277,997

YoY Change

+7.0%

Prices rising — worse for buyers.

Affordability

Enter your income for 45828 (Coldwater).

Income (annual)

Down Payment

$55,599 on $277,997

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

Stretch29.9% of income

Above 28% but manageable with cuts.

PITI$1,867

P/I29.9%

Afford$261K

Gap-$17K

P&I $1,406Tax $361Ins $100

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

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

Metro Analysis

45828 is part of the Celina, OH metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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