Coldwater, Michigan

Area Profile

13,671 residents. Public schools, jobs, income, housing cost, climate and natural-hazard risk for Coldwater, in Branch County.

52out of 100
Area Score
Bottom 26% of 4,196 profiles measured

How we calculate this

How this area ranks

Data updated · 13 sources
Opportunity3,957th of 4,199 cities measured30
Schools2,846th of 4,162 cities measured36
Growth2,550th of 4,224 cities measured46
Housing affordabilityTop 36% of 4,218 cities measured71
Climate3,601st of 4,225 cities measured60
Physical resilienceTop 32% of 4,226 cities measured73
Access2,774th of 4,226 cities measured88
Economic stability4,050th of 4,226 cities measured23
The quick read

Employment conditions sit below most comparable cities measured: unemployment is 4.2% and the Opportunity signal places Coldwater in the bottom 6%. The unemployment rate is published for Branch County, MI, which contains Coldwater, rather than for Coldwater alone.

In the public schools here, 35% of students met the state standard in mathematics, with 20.7 students for every teacher.

Rent takes 31% of renter income here, above the 30% threshold conventionally called cost-burdened, and the median home is 2.1 times what its owners earn.

These sentences are written by fixed rules from the measurements below — a statement appears because a number crossed a stated threshold, and the values behind it are stored with it. No figure anywhere on this site is invented, estimated or inferred to fill a gap. How this works.

At a glance

Population
13,671
2024 ACS 5-Year
Median household income
$50,781
Bottom 24% nationally
Density
1,451/sq mi
9.4 sq mi of land
Median age
39.5
2024 ACS 5-Year
County
Michigan
Micro area
Nearest major airport
BTL
28 mi · Battle Creek Exec At Kellogg Fld
Median home value
$137,500
2024 ACS 5-Year

Jobs & opportunity

Unemployment across Branch County, MI, which contains Coldwater, is 4.2%, lower than in 55% of the 4,226 measured US cities.

Employment across Branch County, MI, which contains Coldwater, fell 4.5% over the past year, to 20,823 employed residents.

Median household income of $50,781 is lower than in 76% of measured US cities.

MetricValueCompared nationallySource period
Income of new arrivalsBranch County, MI’s figurefiling years 2022–2023$53,13412th percentileof 4,101filing years 2022–2023
Income of those who leftBranch County, MI’s figurefiling years 2022–2023$52,17310th percentileof 4,101filing years 2022–2023
Median household income ±$3,3932024 ACS 5-Year$50,781Bottom 24%of 29,2232024 ACS 5-Year
Per capita income ±$1,9602024 ACS 5-Year$24,891Bottom 20%of 31,4202024 ACS 5-Year
Poverty rate ±5%2024 ACS 5-Year20.6%Bottom 22%of 31,7732024 ACS 5-Year
Average commute ±1.8 min2024 ACS 5-Year17.1 minTop 9%of 31,5432024 ACS 5-Year
Bachelor's degree or higher ±2%2024 ACS 5-Year13.9%Bottom 31%of 31,9192024 ACS 5-Year
Drove alone to work ±7%2024 ACS 5-Year76.3%47th percentileof 31,4332024 ACS 5-Year
EmploymentBranch County, MI’s figureJuly 202620,823Bottom 24%of 4,226July 2026
Employment change (3 years)Branch County, MI’s figureJuly 2026−2.2%Bottom 22%of 4,226July 2026
Employment change (year over year)Branch County, MI’s figureJuly 2026−4.5%Bottom 2%of 4,226July 2026
Labor forceBranch County, MI’s figureJuly 202621,73524th percentileof 4,226July 2026
Labor force participation ±4%2024 ACS 5-Year60.5%Bottom 13%of 31,5132024 ACS 5-Year
Public transit to work ±0.5%2024 ACS 5-Year0.5%79th percentileof 31,4332024 ACS 5-Year
Unemployment change (year over year)Branch County, MI’s figureJuly 2026−0.9%Top 15%of 4,226July 2026
Unemployment rateBranch County, MI’s figureJuly 20264.2%Top 45%of 4,226July 2026
Worked from home ±3%2024 ACS 5-Year6.4%43rd percentileof 31,4332024 ACS 5-Year

Median household income, successive ACS releases

202120222023202451k45k
Each point is a separate five-year estimate, most recently $50,781 in the 2024 ACS 5-Year. Consecutive releases share four years of sample, so AreaProfile shows them as a record of successive estimates and does not compute a year-over-year change from them.

The Bureau of Labor Statistics publishes city-level labor data only for places of 25,000 or more. This is the figure for Branch County, MI, which contains this city.

35% of students met the state standard in mathematics and 42% in reading, across the schools here that reported results.

There are 20.7 students for every full-time teacher across 7 public schools, more than in most measured places.

Public schools
9
2024-25 school year
Students per teacher
20.7
across 7 of them
Math proficiency
35.3%
Bottom 47% in Michigan
Reading proficiency
41.6%
Bottom 34% in Michigan
All 9 public schools on record, largest first.
SchoolDistrictStudentsPer teacherMathReading
Coldwater High SchoolColdwater Community Schools98128.037%52%
Legg Middle SchoolColdwater Community Schools61618.736%43%
Pansophia Academy · charterPansophia Academy51419.817%21%
Larsen Elementary SchoolColdwater Community Schools46317.1——
Jefferson Elementary SchoolColdwater Community Schools37818.042%31%
Lakeland Elementary SchoolColdwater Community Schools37519.740%41%
Waldron Learning CenterBranch ISD24820.747%57%
Branch Area Careers CenterBranch ISD0———
Lakeland Correctional FacilityMichigan Department of Corrections0———

65.4% of students here are eligible for free or reduced-price lunch. That describes the circumstances families arrive with, not how the schools perform, so it is shown and not scored.

Public schools only, from the NCES Common Core of Data, placed by ZIP code — which schools are in this place, not which one a particular address is zoned for. A dash in a proficiency column is a gap in the federal file, not a bad result. Proficiency is measured against Michigan’s own standard, so it is ranked within state. How to read school figures.

The Federal Housing Finance Agency’s house price index for the non-metropolitan parts of Michigan is up 58% over five years, and up 5.6% over the last year. It follows repeat sales of the same homes, so it measures price change rather than which homes happened to sell.

Homeowners here who pay a tax bill pay a median of $1,926 a year in real estate taxes, about 1.40% of the median home value.

HUD’s Fair Market Rent for a two-bedroom, set near the 40th percentile of recent new leases, is $973, close to the $943 tenants already here pay.

At HUD’s Fair Market Rent of $973 a month for a two-bedroom, keeping rent to 30% of income takes a household income of about $38,900 a year, about 77% of the median household income here of $50,781.

The typical renter household here spends 31% of its income on rent, above the 30% threshold at which a household is considered cost-burdened. Median gross rent runs $943 a month.

A median home at $137,500 costs 2.1 times the median income of its owner-occupied households, $65,287, close to the historic benchmark for an affordable market.

Rent as a share of income
30.6%
Above the 30% cost-burdened threshold
Home price to income
2.1×
median home value ÷ owner household income
Market rent, two bedroom
$973
what a new lease costs · FY2026
Median gross rent
$943
what tenants now pay · 2024 ACS 5-Year
Median home value
$137,500
2024 ACS 5-Year

The figures above are measured against Coldwater’s median household income of $50,781, which describes the place rather than you. Enter your own and the ratio is recomputed against it. It stays in this browser.

MetricValueCompared nationallySource period
Home price change (1 year)the non-metropolitan parts of Michigan’s figure2026 Q2+5.6%83rd percentileof 4,1542026 Q2
Home price change (5 years)the non-metropolitan parts of Michigan’s figure2026 Q2+57.9%93rd percentileof 4,1542026 Q2
Home price change (10 years)the non-metropolitan parts of Michigan’s figure2026 Q2+119.4%86th percentileof 4,1542026 Q2
Home price to income ±0.42024 ACS 5-Year2.1Top 37%of 26,8152024 ACS 5-Year
Homeownership rate ±4%2024 ACS 5-Year64.3%27th percentileof 31,7172024 ACS 5-Year
Housing units ±2122024 ACS 5-Year4,93488th percentileof 32,1772024 ACS 5-Year
Market rent, one bedroomFY2026$840Top 10%of 4,072FY2026
Market rent, three bedroomFY2026$1,324Top 9%of 4,072FY2026
Market rent, two bedroomFY2026$973Top 5%of 4,072FY2026
Median gross rent ±$542024 ACS 5-Year$943Top 47%of 23,1202024 ACS 5-Year
Median home value ±$13,5032024 ACS 5-Year$137,50033rd percentileof 29,1112024 ACS 5-Year
Median property taxes ±$1572024 ACS 5-Year$1,92654th percentileof 26,4402024 ACS 5-Year
Owner household income ±$10,3922024 ACS 5-Year$65,287Bottom 31%of 27,5482024 ACS 5-Year
Property tax rate ±0.18%2024 ACS 5-Year1.40%73rd percentileof 20,5432024 ACS 5-Year
Rent as a share of income ±7%2024 ACS 5-Year30.6%Bottom 38%of 22,9502024 ACS 5-Year
Seasonal and second homes ±302024 ACS 5-Year2574th percentileof 32,3302024 ACS 5-Year
Second homes2024 ACS 5-Year0.5%57th percentileof 31,8952024 ACS 5-Year
Vacancy rate2024 ACS 5-Year9.1%60th percentileof 31,7692024 ACS 5-Year
Vacant housing units ±1542024 ACS 5-Year47689th percentileof 32,3302024 ACS 5-Year

These measures come from the same ACS release as the income they are compared with. They compare housing cost with local earnings only: transport, groceries, healthcare, insurance and taxes are not in them. How to read affordability, the two rent figures.

Development Momentum

46/ 100
Ranks 2,550 of 4,224 published city profiles
The most recent move in permitting was upward, in a series running from 2022 to 2025. That is the direction of the recent run. The chart below compares the first year with the last, which can point the other way.

An AreaProfile calculation combining permit volume per resident, its direction over one and three years, population change and employment growth. Permit volume alone is not the measure.

Population has grown 7% since 2020, reaching 14,314 in 2024.

Permitting has turned upward after moving the other way the year before: 8 units authorized in 2025, against 4 the year before.

Population is still rising but the pace is easing: 14,314 residents in 2024, up 1.0% over the year, a smaller gain than the year before.

New construction is predominantly single-family: of 10 units permitted over the past twelve months, none were in buildings of five or more homes.

Federal tax returns show that people moving in from elsewhere in the US and people moving out roughly balanced across Branch County, which contains Coldwater, in the most recent year. Households that moved in reported an average income of $53,134, close to the $52,173 of households that moved out.

At 0.7 permitted units per 1,000 residents, building activity is below the median for measured US cities.

Units permitted
10
12 months ending July 2026
Per 1,000 residents
0.7
Bottom 21% nationally
Year over year
+233%
vs the prior twelve months
Multifamily share
0.0%
units in 5+ unit buildings

Population, annual estimates

2020202120222023202414k13k
Census Population Estimates Program, July 1 of each year. These annual estimates are designed for year-over-year comparison, unlike the ACS five-year figure shown as this profile's population. It has been rising for the last 2 years, over a series running from 2020 to 2024.

People moving in and out

Net migration
−0.2%
of residents, in a year
Arrivals from another state
45%
of people moving in
Income of arrivals
$53,134
average per tax return
Income of those who left
$52,173
average per tax return

Where newcomers came from

  1. Calhoun County, MI 247 people · 14% of arrivals
  2. St. Joseph County, MI 206 people · 12% of arrivals
  3. Hillsdale County, MI 183 people · 10% of arrivals
  4. Steuben County, IN 73 people · 4.2% of arrivals
  5. Kalamazoo County, MI 58 people · 3.3% of arrivals

Where people who left went

  1. Calhoun County, MI 322 people · 18% of departures
  2. Hillsdale County, MI 167 people · 9.3% of departures
  3. St. Joseph County, MI 150 people · 8.3% of departures
  4. Steuben County, IN 95 people · 5.3% of departures
  5. Kalamazoo County, MI 65 people · 3.6% of departures

Based on the address on federal tax returns, compared with the same filers a year earlier. It counts people who file, and sees a move only when the address on a return changes. Domestic moves only: people arriving from abroad are left out. This is the figure for Branch County, MI. IRS Statistics of Income, filing years 2022–2023.

Housing units permitted per year

20222023202420253204.0
Annual totals from the Census Building Permits Survey. Permitting in 2025 was lower than 2022 (−98%).

Weather & climate

5 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 82°F and January a low of 16°F.

Normal annual precipitation is 39.1 inches, including 42.7 inches of snow.

0°20°40°60°80°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station COLDWATER ST SCHOOL, 1.2 miles from this location.

Precipitation

JFMAMJJASOND4.4"
Normal monthly precipitation, in inches.
MetricValueSource period
Annual precipitation1991-2020 Normals39.1"1991-2020 Normals
Annual snowfall1991-2020 Normals42.7"1991-2020 Normals
Average January low1991-2020 Normals16°F1991-2020 Normals
Average July high1991-2020 Normals82°F1991-2020 Normals
Comfortable months1991-2020 Normals51991-2020 Normals
Seasonal temperature swing1991-2020 Normals48°F1991-2020 Normals

Climate figures are thirty-year normals, not current conditions. How to read climate and air quality.

Physical risk

73 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are inland flooding, tornado and cold wave, with inland flooding alone responsible for 55% of it. Inland flooding is independently rated low or minimal nationally, so this describes how the loss is composed, not how large that hazard is.

HailElevated
TornadoElevated
Cold waveModerate
Heat waveModerate

Low or minimal exposure: strong wind, inland flooding, drought, ice storm, earthquake, lightning, landslide, winter weather, hurricane, wildfire, coastal flooding, tsunami, volcanic activity, avalanche.

Hazard ratings are AreaProfile calculations derived from the FEMA National Risk Index v1.20.0 (December 2025). FEMA publishes at county level. City values are the population-weighted mean of the counties the city overlaps, using AreaProfile place-to-county land-area weights. FEMA does not endorse this presentation. Higher physical resilience means lower exposure.

Violent crime
316
per 100,000 residents · 2025 calendar year
Property crime
1,339
per 100,000 residents · 2025 calendar year

Below these are deaths rather than offenses, published for the county. The two measure different things and are not comparable with each other.

Coldwater's police department reported 316 violent offenses per 100,000 residents, near the middle of places with a department reporting. Property crime runs at 1,339.

Branch County records 0.0 homicide deaths per 100,000 residents a year, lower than most counties measured. The CDC does not publish this below county level.

Firearm deaths of all intents run at about 13.5 per 100,000 — more than the homicide rate, since the figure counts suicides and accidents as well as homicides.

Drug overdose deaths run at about 9.1 per 100,000 residents in Branch County.

Homicide
0.0
per 100,000 residents
Firearm deaths, all intents
13.5
per 100,000 residents · modeled, not measured
Drug overdose
9.1
per 100,000 residents · modeled, not measured
Suicide
17.3
per 100,000 residents · modeled, not measured

Firearm deaths count every intent together, and nationally the majority are suicides rather than homicides, so the firearm figure and the homicide figure above it count some of the same deaths twice over. They overlap and should not be added together.

Offenses are reported to the FBI by Coldwater’s own police department and shown only where it reported every month of the year; a partial year is withheld rather than scaled up. Reported crime is what police recorded, which is not the same as what happened. Death rates are crude rates — deaths divided by population, not adjusted for age — except where a count was too small for the CDC to publish and it modeled the rate, which the card marks. They come from provisional death certificate records, published by the CDC by county and not below it. So they describe the county around Coldwater (Branch County) rather than Coldwater itself. Neither is part of the Area Score. How to read crime rates and death rates.

What this profile does not cover

Each of these is absent for a reason, not by oversight. The Area Score is calculated without them; the weighting is on the methodology page.

Cost of living
Price parities are published for metropolitan areas, and this place lies outside one.
Air quality
The EPA publishes an air-quality index only where a monitor sits. There is none in this county, and a modeled value would be a different kind of number from the measured ones everywhere else on this page.
Taxes
Income and sales taxes are not published: no source covers them nationally with a method open enough to check. Property taxes are shown in the housing section but are not part of the score. Cost of living is published where the Bureau of Economic Analysis measures it, though not for this place. Nothing here is individualized tax advice.
Anything about a specific address
Every figure describes an area, not a street or a house.

Access

6 major airports lie within 100 miles, the nearest Battle Creek Exec At Kellogg Fld at 28 miles.

MetricValueCompared nationallySource period
Broadband access ±4%2024 ACS 5-Year87.7%Bottom 41%of 31,5882024 ACS 5-Year
Distance to major airportNASR current cycle28 miBottom 30%of 4,226NASR current cycle
Major airports within 100 milesNASR current cycle6Top 27%of 4,226NASR current cycle
No internet access ±4%2024 ACS 5-Year9.7%Bottom 39%of 31,5882024 ACS 5-Year
AirportCodeDistanceLongest runway
Battle Creek Exec At Kellogg FldBTL28 mi10,004 ft
Capital Region IntlLAN61 mi8,506 ft
Eugene F Kranz Toledo ExpressTOL66 mi10,600 ft

Airport identity, position and runway data come from the FAA. “Major airport” is an AreaProfile classification — a public-use civil airport with a paved runway of at least 8,000 feet — not an FAA hub designation. Distances are straight-line, not driving distance.

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Data & methodology

Used forSourceSource period
AccessFederal Aviation Administration
Airports (NASR) — Aeronautical Data Delivery Service
NASR current cycle
SafetyFederal Bureau of Investigation, Crime Data Explorer
Summarized offense counts by law enforcement agency
2025 calendar year
Physical riskFederal Emergency Management Agency
National Risk Index
National Risk Index December 2025 (v1.20.0)
Demographics, IncomeInternal Revenue Service, Statistics of Income Division
U.S. Population Migration Data (county to county)
filing years 2022–2023
ClimateNOAA National Centers for Environmental Information
U.S. Climate Normals 1991–2020 (Monthly)
1991-2020 Normals
JobsU.S. Bureau of Labor Statistics
Local Area Unemployment Statistics
July 2026
DevelopmentU.S. Census Bureau
Building Permits Survey
12 months ending July 2026
Access, Demographics, Housing, Income, JobsU.S. Census Bureau
American Community Survey 5-Year Estimates (Table-Based Summary File)
2024 ACS 5-Year
DemographicsU.S. Census Bureau
Population Estimates Program
July 1, 2024 estimate
SafetyU.S. Centers for Disease Control and Prevention, National Center for Health Statistics
Provisional county-level mortality by intent
March 2025 to February 2026; May 2025 to April 2026
SchoolsU.S. Department of Education, National Center for Education Statistics
Common Core of Data and EDFacts assessments
2018-19 school year; 2024-25 school year
HousingU.S. Department of Housing and Urban Development, Office of Policy Development and Research
Fair Market Rents
FY2026
HousingU.S. Federal Housing Finance Agency
House Price Index (traditional, all-transactions)
2026 Q2
Current conditionsNOAA National Weather Service
National Weather Service current conditions
Live observation, read when the page opens

Profile recalculated October 8, 2026. Recalculation is not the same as new source data — each figure above shows the period its source actually covers. Read the full methodology, or every source with how often each updates.

ZIP codes in Coldwater

1 ZIP area

Every ZIP area in Coldwater with census figures of its own, largest first.

ZIPPopulationMedian household incomeMedian home valueArea Score
4903624,826$62,259$167,80053