The Town FilesColdwater, Michigan
Township in Isabella County · population 801 (2020 Census)
- Median home
- $158,300
- Household income
- $60,313
- Jan low / Jul high
- 16° / 84°
- Snow a year
- 61 in
- Tornadoes ≤10 mi since 1950
- 3
- Median age
- 39.9
Coldwater is a township of 801 people in Isabella County, Michigan. The median home is worth $158,300, below the typical Michigan town ($193,900). It ranks easier by car than 98% of Michigan towns, better for a vacation home than 85% of Michigan towns, quieter than 83% of Michigan towns.
How Coldwater ranks
Percentile among Michigan towns with at least 500 people on The Town Files lifestyle rankings. 50 is typical for the state; 90 means better than 90% of Michigan towns.
Homes and cost of living
The median home in Coldwater is worth $158,300, below the typical Michigan town ($193,900). Homes cost about 2.6 times the median household income of $60,313, which is more affordable than 68% of Michigan towns. Median rent is $1,327 a month. 86.7% of households own their home.
| Housing | Coldwater | Typical Michigan town |
|---|---|---|
| Median home value | $158,300 | $193,900 |
| Median rent | $1,327 | $955 |
| Median household income | $60,313 | $69,792 |
| Home value ÷ income | 2.6× | 2.8× |
| Homeownership | 86.7% | 86.8% |
| Median year built | 1978 | 1975 |
| Seasonal / vacation homes | 22.0% | — |
Who lives in Coldwater
| People | Coldwater | Typical Michigan town |
|---|---|---|
| Median age | 39.9 | 43.7 |
| Age 65 and over | 20.8% | 20.7% |
| Under 18 | 24.3% | — |
| Bachelor's degree or higher | 10.1% | 21.5% |
| Below the poverty line | 31.8% | 10.4% |
| Veterans | 6.5% | — |
| Born outside the U.S. | 1.1% | — |
| Work from home | 5.8% | 9.1% |
| Average commute | 37.3 min | 25.6 min |
| Homes with broadband | 77.3% | 88.8% |
Weather in Coldwater
July highs average 83.7°F and January lows 15.9°F. About 35.5 inches of rain and melted snow fall a year, with 61.3 inches of snow (typical Michigan town: 52.1 in). Expect about 13 days a year at 90°F or hotter and 146 nights at or below freezing.
Tornadoes, storms and disasters
3 tornadoes have passed within 10 miles of Coldwater since 1950, compared with 10 for the typical Michigan town. The strongest, an F1, struck on June 21, 1996 about 8.8 miles from the town center. The most recent was on August 27, 2004.
Hail of 1 inch or larger has been reported within 10 miles 13 times; the largest was 1.75 inches on April 7, 2020.
Severe weather in Isabella County since 1996
Isabella County has been included in 11 federal disaster or emergency declarations since 1953, most often for flood, drought, hurricane.
| Declared | Incident | Declaration |
|---|---|---|
| March 27, 2020 | Biological | DR-4494: Covid-19 Pandemic |
| March 13, 2020 | Biological | EM-3455: Covid-19 |
| August 2, 2017 | Severe Storm | DR-4326: Severe Storms And Flooding |
| September 7, 2005 | Hurricane | EM-3225: Hurricane Katrina Evacuation |
| January 10, 2001 | Snowstorm | EM-3160: Snow |
Jobs and pay in Isabella County
Isabella County had 26,640 jobs in 2024, paying an average of $50,992 a year. Unemployment was 4.5% in 2023; in Coldwater itself the ACS puts it at 4.6%.
Towns near Coldwater
- Gilmore, MI4.9 mi · 1,314 people · home $157,300
- Weidman, MI5.2 mi · 920 people · home —
- Sherman, MI6.2 mi · 3,127 people · home $157,400
- Fork, MI6.3 mi · 1,627 people · home $145,200
- Garfield, MI6.4 mi · 1,807 people · home $171,500
- Surrey, MI7.9 mi · 3,635 people · home $121,300
- Sheridan, MI8.1 mi · 1,314 people · home $156,200
- Farwell, MI8.7 mi · 880 people · home $98,700
Coldwater questions
Is Coldwater, Michigan a good place to retire?
On The Town Files lifestyle rankings, Coldwater scores better for retirees than 67% of Michigan towns and quieter than 83%. 20.8% of residents are 65 or older (median age 39.9).
How much does a house cost in Coldwater?
The median owner-occupied home in Coldwater is valued at $158,300 (Census ACS 2020–2024), against a median household income of $60,313, so homes cost about 2.6 times income. Median rent is $1,327 a month.
What is the weather like in Coldwater?
July highs average 83.7°F and January lows 15.9°F (NOAA 1991–2020 normals). It gets about 35.5 inches of precipitation a year and 61.3 inches of snow.
Does Coldwater get tornadoes?
3 tornadoes have passed within 10 miles of Coldwater since 1950 (NOAA Storm Events); the strongest was a F1 on June 21, 1996. The typical Michigan town has had 10.
- U.S. Census Bureau, American Community Survey 5-year estimates (2020–2024)
- U.S. Census Bureau, 2020 Census and 2025 Gazetteer (2020 / 2025)
- NOAA NCEI U.S. Climate Normals (1991–2020)
- NOAA NCEI Storm Events Database (1950–2026)
- FEMA OpenFEMA Disaster Declarations (this product uses the FEMA OpenFEMA API but is not endorsed by FEMA) (1953–2026)
- NCES Common Core of Data (2023–24)
- BLS Quarterly Census of Employment and Wages; USDA ERS county unemployment (BLS LAUS) (2000–2024)
- The Town Files lifestyle rankings, built from federal demographic, school, crime and housing data (2025)