Cost of Living in Coldwater, OH

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A+
9%
Overall NAT. AVG.
3%
Groceries NAT. AVG.
21%
Housing NAT. AVG.
Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index Coldwater Ohio National
Cost of living9189100
Groceries9797100
Health care9796100
Housing7974100
Transportation9696100
Utilities9896100
Lifestyle & Entertainment9495100
Household Items9897100
Education & Childcare9193100
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Homes For Sale In Coldwater, OH

property for sale

613 Fairview Dr

Coldwater, OH
property for sale

3910 Saint Anthony Rd

Celina, OH
property for sale

103 W South St

Coldwater, OH
property for sale

1009 Terrace Ave

Coldwater, OH

Cost Of Living Quick Facts

  • The cost of living in Coldwater is 2% higher than the Ohio average
  • The cost of living in Coldwater is 9% lower than the national average
  • Coldwater housing is 21% lower than the national average
  • Ohio general sales tax is 13% higher than the national average
  • Ohio state income tax is 6% higher than the national average

Most Affordable Places to Live in and Around Coldwater

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      Salary Calculator

      This is how much you would need to earn in
      Price difference in compared to
      Cost of living index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index
      Lifestyle index
      Household index
      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$106,220$8,852$2,478$3,187
      Renters$59,570$4,964$1,390$1,787
      The percent of monthly income spent on housing can be a good indicator of the affordability of housing in Coldwater, OH, as well as the overall cost of living. As a general rule of thumb, the debt-to-income ratio (DTI) for homeowners or renters should be not more than 28 percent of gross income to be spent on housing related costs and not more than 36 percent of income on all expenses, including debts. The median income for Coldwater homeowners, is $106,220. This would allow for a maximum of $2,478 per month to be spent on housing costs. For renters, the median monthly income is $59,570 which would result in a maximum of $1,390 to be spent on rental costs.

      Ohio Sales Tax

      State General Sales Tax With Max Surtax
      Ohio 5.75% 8%

      Ohio Income Tax

      State Income Tax (Low) Income Tax (High)
      Ohio 2.76% 3.99%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      New Weston, OH698020.3%
      Salamonia, IN1538020.2%
      Rossburg, OH2748218.3%
      Mendon, OH6568316.9%
      Rockford, OH9088415.8%
      Coldwater, OH4,092919.1%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Venersborg, WA4,09215252.3%
      Northern Rockies, BC4,092n/a 
      Bealeton, VA4,09111616.0%
      Le Claire, IA4,0931033.5%
      Berne, IN4,0938811.7%
      Coldwater, OH4,092919.1%
      Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
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