Cost of living in Coldwater, Ohio

Coldwater, Ohio has about 4,191 people. That count is a 2020–2024 Census average, not a headcount from one day.

A typical home is worth about $232,200.

HUD's fair-market rent for a 2-bedroom in Mercer County is $1,008 a month. That is the county number, not an apartment listing in Coldwater. It runs from October 2026 through September 2027.

Ohio's prices sit at 92.8 when the U.S. average is 100. This place is not in a metro area with its own index, so this is the state number from BEA for 2024.

Ohio taxes wages. A typical combined sales tax is 7.3% as of January 1, 2026. That mix is statewide, not Coldwater's exact store tax.

Some places in Ohio add a local wage tax. In 2023 the state average was about 1.20% of income. That is not a Coldwater bill.

In July 2026, a typical Ohio home paid 19.45¢ per kilowatt-hour. That is a state average from EIA, not Coldwater's bill.

In 2025, all-grades gas in Ohio averaged $3.06 a gallon. EIA prints this yearly price for only some states.

Among 618 places we list in Ohio with a rent figure, 450 have higher typical rent than Coldwater.