HomeMichiganBranch CountyColdwater city
Coldwater city, Michigan: commercial real estate data.
Coldwater city is a Census city of 13,671 people across 9.42 square miles of land, in Branch County. Median household income is $50,781, 64.3 percent of occupied homes are owned, and the SBA record carries 23 7(a) approvals to borrowers here worth $11.4 m.
80 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Coldwater
What Coldwater is
- Census place typecity
- Land area9.42 sq mi
- Water area0.34 sq mi
- Population per square mile of land1,451
- County holding the largest share of its areaBranch County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Coldwater
How many people live in Coldwater
- Population13,671
- Median age39.5
- Population under 183,084
- Share under 1822.6 percent
- Population 65 and over2,456
- Share 65 and over18.0 percent
- Households4,458
- Family households2,622
- Share of households that are families58.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Coldwater
Income and work in Coldwater
- Median household income$50,781
- Per capita income$24,891
- Civilian labor force5,893
- Employed5,401
- Unemployed492 plus or minus 195
- Unemployment rate8.3 percent plus or minus 3.3
- Adults 25 and over9,164
- Adults 25 and over with a high school diploma or higher88.9 percent
- Adults 25 and over with a bachelor degree or higher13.9 percent
- Adults 25 and over with a graduate degree3.1 percent plus or minus 1.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Coldwater
Housing in Coldwater
- Housing units4,934
- Occupied units4,458
- Vacant units476 plus or minus 154
- Vacancy rate9.6 percent plus or minus 3.1
- Owner occupied2,866
- Renter occupied1,592
- Ownership rate64.3 percent
- Median owner-occupied home value$137,500
- Median gross rent, monthly$943
- Annual rent as a share of median income22.3 percent
- Single family units2,937
- Share single family59.5 percent
- Units in buildings of two or more1,531
- Share in buildings of two or more31.0 percent
- Mobile homes459 plus or minus 111
- Median year structure built1966
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Coldwater
How Coldwater gets to work
- Workers 16 and over who commute4,949
- Commuting under 15 minutes3,267
- Share commuting under 15 minutes66.0 percent
- Commuting 30 minutes or more875 plus or minus 201
- Share commuting 30 minutes or more17.7 percent plus or minus 3.8
- Drove alone76.3 percent
- Carpooled9.9 percent plus or minus 3.1
- Public transport0.5 percent plus or minus 0.5
- Walked5.2 percent plus or minus 2.0
- Worked from home6.4 percent plus or minus 3.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Coldwater
SBA loans in Coldwater (7(a))
- Approvals23
- Gross approval$11,400,600
- Average approval$495,678
- Median approval$202,700
- Ninetieth percentile approval$1,180,200
- Largest approval$3,060,000
- Jobs supported112
- Jobs per approval4.9
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more34.8 percent
- Share to franchises26.1 percent
- Distinct lenders10
- Distinct industries by NAICS15
A charge-off rate is not published here. only 2 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Coldwater
SBA loans in Coldwater (504)
- Approvals7
- Gross approval$3,987,000
- Average approval$569,571
- Median approval$311,000
- Largest approval$1,505,000
- Jobs supported72
- Loans with a final outcome3
- Charged off0
- Median term240 months
- Distinct CDCs4
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Coldwater
Flood risk in Coldwater
- Listed NFIP communities3
- Of those, participating3
- NFIP community number260813
- Currently effective map date04/19/10
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Branch County, not Coldwater
Branch County context, not Coldwater figures
These are Branch County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Coldwater measurements.
- Establishments in Branch County833
- Employment at those establishments, Branch County13,376
- Covered employment, Branch County15,240
- Average annual pay, Branch County$53,639
- Average weekly wage, Branch County$1,032
- Housing units permitted, Branch County43
- Of those, single family, Branch County43
- County product, 2024, Branch County$1,938,449,000
- County product change over the prior year, Branch County3.9 percent
- Average income of an arriving household, Branch County$56,315
Every figure in this section is published for Branch County as a whole and is not a measurement of Coldwater. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Coldwater questions, answered from the record.
How many people live in Coldwater, Michigan?
13,671, in 4,458 households. Coldwater city covers 9.42 square miles of land, which is 1,451 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Coldwater in?
Branch County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Coldwater?
$50,781. The median owner-occupied home is valued at $137,500. Median gross rent is $943 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Coldwater businesses?
23 7(a) approvals totalling $11.4 m, across 10 lenders, median approval $202,700, plus 7 504 approvals worth $4.0 m. These count approvals to borrowers whose address is in Coldwater, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Coldwater borrowers get paid back?
No rate is published for Coldwater. only 2 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Is Coldwater in the National Flood Insurance Program?
Yes. Coldwater appears in the FEMA Community Status Book as community 260813, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Coldwater figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Branch County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Coldwater.
Is zoning published for Coldwater?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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