HomeOhioMercer CountyColdwater
Coldwater, Ohio: commercial real estate data.
Coldwater is a Census village of 4,191 people across 1.94 square miles of land, in Mercer County. Median household income is $68,009, 70.4 percent of occupied homes are owned, and the SBA record carries 2 7(a) approvals to borrowers here worth $95,000 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Coldwater
What Coldwater is
- Census place typevillage
- Land area1.94 sq mi
- Water area0.05 sq mi
- Population per square mile of land2,161
- County holding the largest share of its areaMercer 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
- Population4,191
- Median age35.2
- Population under 181,293 plus or minus 260
- Share under 1830.9 percent
- Population 65 and over714 plus or minus 215
- Share 65 and over17.0 percent plus or minus 4.5
- Households1,600
- Family households1,188
- Share of households that are families74.3 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$68,009
- Per capita income$32,214
- Civilian labor force2,093
- Employed2,083
- Unemployed10 plus or minus 14
- Unemployment rate0.5 percent plus or minus 0.7
- Adults 25 and over2,673
- Adults 25 and over with a high school diploma or higher97.9 percent plus or minus 22.3
- Adults 25 and over with a bachelor degree or higher29.0 percent plus or minus 7.3
- Adults 25 and over with a graduate degree11.0 percent plus or minus 5.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Coldwater
Housing in Coldwater
- Housing units1,600
- Occupied units1,600
- Vacant units0
- Vacancy rate0.0 percent
- Owner occupied1,126 plus or minus 255
- Renter occupied474 plus or minus 154
- Ownership rate70.4 percent
- Median owner-occupied home value$232,200
- Median gross rent, monthly$821
- Annual rent as a share of median income14.5 percent
- Single family units1,298
- Share single family81.1 percent
- Units in buildings of two or more278 plus or minus 140
- Share in buildings of two or more17.4 percent plus or minus 8.4
- Mobile homes24 plus or minus 31
- Median year structure built1974
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 commute2,009
- Commuting under 15 minutes969 plus or minus 244
- Share commuting under 15 minutes48.2 percent plus or minus 9.6
- Commuting 30 minutes or more304 plus or minus 134
- Share commuting 30 minutes or more15.1 percent plus or minus 6.3
- Drove alone78.9 percent
- Carpooled14.8 percent plus or minus 5.3
- Public transport0.0 percent
- Walked1.7 percent plus or minus 1.8
- Worked from home2.7 percent plus or minus 2.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Coldwater
SBA loans in Coldwater (7(a))
- Approvals2
- Gross approval$95,000
- Average approval$47,500
- Median approval$47,500
- Largest approval$70,000
- Jobs supported4
- Jobs per approval2.0
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises100.0 percent
- Distinct lenders1
- Distinct industries by NAICS1
Counted by borrower city: approvals to borrowers whose address is in Coldwater, in any county, FY2020 to FY2026. Only 0 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)
- Approvals1
- Gross approval$1,440,000
- Average approval$1,440,000
- Median approval$1,440,000
- Largest approval$1,440,000
- Jobs supported18
- Loans with a final outcome0
- Charged off0
- Median term120 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Coldwater, in any county, FY2010 to FY2026. Only 0 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 communityVillage of Coldwater
- NFIP community number390394
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date05/16/12(M)
The Village of Coldwater participates in the National Flood Insurance Program as community 390394 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.
Mercer County, not Coldwater
Mercer County context, not Coldwater figures
- Establishments in Mercer County1,050
- Covered employment, Mercer County20,581
- Average annual pay, Mercer County$50,671
- Housing units permitted, Mercer County86
Every figure in this section is published for Mercer 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, Ohio?
4,191, in 1,600 households. Coldwater village covers 1.94 square miles of land, which is 2,161 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?
Mercer 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?
$68,009. The median owner-occupied home is valued at $232,200. Median gross rent is $821 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?
2 7(a) approvals totaling $95,000 since FY2020, across 1 lenders, median approval $47,500, plus 1 504 approvals worth $1.4 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 0 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, village of, community 390394, 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 Mercer 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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