Coldwater, Michigan

Area Profile

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

54out of 100
Area Score
Bottom 27% of 2,944 published profiles

How we calculate this

How this area ranks
Opportunity3606th of 3,904 published cities31
Schools2174th of 2,668 published cities26
Growth1638th of 2,973 published cities47
Housing affordabilityTop 31% of 4,223 published cities90
Climate3601st of 4,223 published cities60
Physical resilienceTop 32% of 4,182 published cities74
Access2707th of 4,226 published cities88
Economic stability3880th of 4,226 published cities31
The quick read

Employment conditions sit below most comparable published city profiles: unemployment is 4.1% and the Opportunity signal places Coldwater in the bottom 8%.

In the public schools here, 22% of students met the state standard in mathematics, with 20.7 students for every teacher.

Rent takes 22% of median household income here, below the 30% threshold conventionally called cost-burdened, and the median home is 2.7 times that income.

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
Branch County
Michigan
Metro area
Coldwater, MI
Nearest major airport
BTL
28 mi · Battle Creek Exec At Kellogg Fld
Median home value
$137,500
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 4.1% is lower than 59% of the 3,904 measured US cities.

Employment fell 5.1% over the past year, to 20,809 employed residents.

Median household income of $50,781 is below 76% of measured US cities.

MetricValueCompared with peersSource period
Median household income ±$3,393$50,781Bottom 24%2024 ACS 5-Year
Per capita income ±$1,960$24,891Bottom 20%2024 ACS 5-Year
Poverty rate21.3%Top 21%2024 ACS 5-Year
Average commute17.1 minBottom 9%2024 ACS 5-Year
Bachelor's degree or higher13.9%Bottom 31%2024 ACS 5-Year
Employment20,809Bottom 26%June 2026
Employment change (3 years)-1.4%Bottom 27%June 2026
Employment change (year over year)-5.1%Bottom 2%June 2026
Labor force21,689Bottom 26%June 2026
Labor force participation53.3%Bottom 29%2024 ACS 5-Year
Unemployment change (year over year)-0.7%Bottom 11%June 2026
Unemployment rate4.1%Bottom 41%June 2026
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.

22% of students met the state standard in mathematics and 37% in reading, across the schools here that reported results.

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

Public schools
9
2024-25 school year
Students per teacher
20.7
across all schools here
Math proficiency
22.1%
Bottom 28% in Michigan
Reading proficiency
36.7%
Bottom 32% in Michigan
SchoolDistrictStudentsPer teacherMathReading
Coldwater High SchoolColdwater Community Schools98128.0
Legg Middle SchoolColdwater Community Schools61618.727%62%
Pansophia Academy · charterPansophia Academy51419.87%14%
Larsen Elementary SchoolColdwater Community Schools46317.1
Jefferson Elementary SchoolColdwater Community Schools37818.027%27%
Lakeland Elementary SchoolColdwater Community Schools37519.724%27%
Waldron Learning CenterBranch ISD24820.730%50%
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 rather than how the schools perform, which is why AreaProfile shows it and does not score it.

Public schools only, from the NCES Common Core of Data. Schools are placed by ZIP code, so this is which schools are in this place rather than which one a particular address is zoned for — district boundaries do not follow municipal ones, and enrollment zones change. Fully virtual schools are excluded: they enroll students from across the state while reporting one administrative address, and counting them here would describe a school population this place does not have. The assessment covers grades 3 through 8, so a high school shows no proficiency figure — a dash in those columns means the test was not given at that school, not that it performed badly. Proficiency is measured against Michigan’s own standard, so it compares cleanly within the state and only broadly against other states; AreaProfile therefore ranks it within state. The directory is current, while the proficiency figures are from the last school year with national coverage before the pandemic interrupted testing.

Housing & affordability

How it’s calculated →

Median rent of $943 takes 22% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 2.7 times median household income here, close to the historic benchmark for an affordable market.

Rent as a share of income
22.3%
Below the 30% cost-burdened threshold
Home price to income
2.7×
median home value ÷ median income
Median gross rent
$943
2024 ACS 5-Year
Median home value
$137,500
2024 ACS 5-Year
MetricValueCompared with peersSource period
Home price to income2.71Bottom 44%2024 ACS 5-Year
Homeownership rate64.3%Bottom 27%2024 ACS 5-Year
Housing units ±2124,934Top 12%2024 ACS 5-Year
Median gross rent ±$54$943Bottom 47%2024 ACS 5-Year
Median home value ±$13,503$137,500Bottom 33%2024 ACS 5-Year
Rent as a share of income22.3%Top 28%2024 ACS 5-Year
Vacancy rate9.6%Bottom 49%2024 ACS 5-Year

Both affordability measures come from the same ACS release as the income they are compared with, so the comparison is like for like. They describe housing cost against local earnings and are not a cost-of-living index — transport, groceries, healthcare, insurance and taxes are not included, and a place can look affordable here and still be expensive to live in for reasons this does not capture.

Growth & development

How it’s calculated →
Development Momentum
47/ 100
Ranks 1638 of 2,973 published city profiles
Permitting is increasing, measured from 2022 to 2025.

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.

Population is still rising, but more slowly than in the preceding year.

New construction is predominantly single-family: only 0% of permitted units are in buildings of five or more homes.

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 25% 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.
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 precipitation39.1"1991-2020 Normals
Annual snowfall42.7"1991-2020 Normals
Average January low16°F1991-2020 Normals
Average July high82°F1991-2020 Normals
Comfortable months51991-2020 Normals
Seasonal temperature swing48°F1991-2020 Normals

Climate figures are thirty-year normals, not current conditions. They describe what a typical year looks like rather than what the weather is doing today.

Physical risk

74 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are tornado, cold wave and hail.

Overall hazard risk is lower than 70% of measured US cities.

HailElevated
TornadoElevated
Cold waveModerate
Heat waveModerate

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

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.

These are deaths, not offences. AreaProfile does not publish reported crime, and this is not a substitute for it — it says nothing about burglary, theft or assault.

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 13.9 per 100,000 — more than the homicide rate, because nationally most firearm deaths are suicides.

Drug overdose deaths run at 9.5 per 100,000 residents in Branch County.

Homicide
0.0
per 100,000 residents · under 10 deaths
Firearm deaths, all intents
13.9
per 100,000 residents · under 10 deaths
Drug overdose
9.5
per 100,000 residents · under 10 deaths
Suicide
18.6
per 100,000 residents · under 10 deaths

Firearm deaths count every intent together, and nationally the majority are suicides rather than homicides. The two columns overlap and should not be added.

Age-adjusted rates from provisional death certificate records, published by the CDC for Branch County as a whole — these rates are not published below county level. A county can hold both a dense city centre and a suburb whose experience of it is nothing alike, so this describes the county around Coldwater rather than Coldwater itself. That is why AreaProfile shows these figures and does not put them in the Area Score. Where fewer than ten deaths were recorded the count is suppressed at source, and a rate built on single figures moves sharply between releases. What this measure has that reported crime does not: a death certificate is filed whether or not the local police agency submitted a return that year, so the figures stay comparable between places and over time.

What this profile does not cover

Three things people look for are missing from every AreaProfile page, and each is missing for a reason rather than by oversight. The Area Score is calculated without them and the weighting is documented on the methodology page.

Reported crime
The FBI’s Crime Data Explorer is the only source for reported offences with national coverage and a published method, and it requires an API key AreaProfile does not hold. Arrest counts, news volume and commercial “safety scores” are not substituted in the meantime. What is published above under Safety is a different measurement — deaths rather than offences, from death certificates rather than police returns — and it covers no property crime at all.
Taxes
No tax dataset has met the source admission test for coverage, transparent methodology and update cadence. Nothing here is individualized tax advice.
Full cost of living
No public source publishes one with national coverage and a documented method. Housing affordability above is computed from published rent, price and income, and excludes transport, groceries, healthcare, insurance and taxes — commuting cost in particular tends to offset suburban housing savings.

Access

6 major airports lie within 100 miles, the nearest 28 miles away.

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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Area Score
54
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Data & methodology

Used forSourceSource periodUpdated
AccessFederal Aviation Administration
Airports (NASR) — Aeronautical Data Delivery Service
NASR current cycle28-day NASR cycle
Physical riskFederal Emergency Management Agency
National Risk Index
National Risk Index December 2025 (v1.20.0)Periodic dataset versions (v1.20.0 current)
ClimateNOAA National Centers for Environmental Information
U.S. Climate Normals 1991–2020 (Monthly)
1991-2020 NormalsEvery ten years (next release follows the 2001–2030 period)
JobsU.S. Bureau of Labor Statistics
Local Area Unemployment Statistics
June 2026Monthly
DemographicsU.S. Census Bureau
Population Estimates Program
July 1, 2024 estimateAnnual (vintage released each spring)
DevelopmentU.S. Census Bureau
Building Permits Survey
12 months ending July 2026Monthly, roughly three weeks after the reference month
Demographics, Housing, Income, JobsU.S. Census Bureau
American Community Survey 5-Year Estimates (Table-Based Summary File)
2024 ACS 5-YearAnnual (5-year estimates released each December)
safetyU.S. Centers for Disease Control and Prevention, National Center for Health Statistics
Provisional county-level mortality by intent
April, 2025 to March, 2026Quarterly, with a rolling twelve-month window alongside complete calendar years
schoolsU.S. Department of Education, National Center for Education Statistics
Common Core of Data and EDFacts assessments
2019-20 school year; 2024-25 school yearDirectory annually; assessment results as EDFacts releases them

Profile recalculated August 30, 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 browse every source.

ZIP codes in Coldwater

1 published ZIP profiles
ZIPPopulationMedian household incomeArea Score
4903624,826$62,25957