HomeMichiganBranch CountyColdwater
Coldwater, Michigan: commercial real estate data.
Coldwater 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 since FY2020.
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$1,135,160
- 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
Counted by borrower city: approvals to borrowers whose address is in Coldwater, in any county, FY2020 to FY2026. Only 2 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
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
Counted by borrower city: approvals to borrowers whose address is in Coldwater, in any county, FY2010 to FY2026. Only 3 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Coldwater
Flood risk in Coldwater
- NFIP communityCity of Coldwater
- NFIP community number260813
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date04/19/10
The City of Coldwater participates in the National Flood Insurance Program as community 260813 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Branch County, not Coldwater
Branch County context, not Coldwater figures
- Establishments in Branch County833
- Covered employment, Branch County15,240
- Average annual pay, Branch County$53,639
- Housing units permitted, Branch County43
Every figure in this section is published for Branch County as a whole and is not a measurement of Coldwater.
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.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
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 totaling $11.4 m since FY2020, across 10 lenders, median approval $202,700, plus 7 504 approvals worth $4.0 m since FY2010. 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 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Coldwater in the National Flood Insurance Program?
Yes. Coldwater appears in the FEMA Community Status Book as Coldwater, city of, 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 labeled 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?
No. Nothing on this page presents parcel level zoning.
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