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Area data

Coldwater, MI — ZIP 49036

Population: 24,826 (Census ACS)

The median home value in ZIP 49036 (Coldwater, MI) is $221,801 — up 7.4% over the past year. Homes sell for a median $160,000 after a median 91 days on market. Typical rent runs $1,179/month. 9 schools serve the area (NCES). FEMA's National Risk Index rates the county's overall natural-hazard risk Relatively Low, with hail, icestorm, strongwind the top-rated hazards. Cost of living is 8.0% below the US average (BEA, metro/state-level).

Backed by 25+ public sourcesFEMA · U.S. Census · NOAA · Dept. of Education · EPA · and more

$221,801

Median home value

+7.4%

1-year change

91

Median days on market

Relatively Low

Hazard risk (county)

Home values & appreciation

Median home value
$221,801
1-year appreciation
+7.4%
3-year appreciation
+9.4%
5-year appreciation
+20.2%
10-year appreciation
+69.8%
All-time peak (2026-04)
$223,531
House Price Index (state)
387.5 (+5.5% YoY)

Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)

Market activity

Median sale price
$160,000
Median price per sqft
$73
Median days on market
91 days
Homes sold (recent period)
3
For-sale inventory
90
Sale-to-list ratio
88.6%
Active listings
1
1-year forecast
-0.6%
Days to pending
63 days
New listings (monthly)
25

Source: recent area sales and market data (ZIP-level)

Rents

Typical rent
$1,179/mo
Studio fair-market rent
$823/mo
1BR fair-market rent
$1,029/mo
2BR fair-market rent
$1,261/mo
3BR fair-market rent
$1,639/mo
4BR fair-market rent
$1,891/mo

Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)

Affordability

Cost of living index (Below Average)
92.0 (100 = US avg)
Electricity rate (state-level)
20.0¢/kWh
Natural gas rate (state-level)
$10.90/MCF
30-year mortgage rate (national)
6.66%
15-year mortgage rate (national)
6.00%

Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)

Schools

Total schools
9
Elementary schools
3
Middle schools
1
High schools
3
Charter schools
1
School districts serving the area
Michigan Department of Corrections, Pansophia Academy, Coldwater Community Schools
Schools include
Lakeland Correctional Facility, Pansophia Academy, Coldwater High School, Larsen Elementary School, Jefferson Elementary School

Source: NCES school directory, 2022-23 (school-address-based)

Natural hazards & flood risk

Overall hazard risk (county)
Relatively Low
Top hazards (county)
hail, iceStorm, strongWind, tornado
Notable hazard ratings (county)
coldWave: Relatively Low · drought: Relatively Low · hail: Relatively Moderate · iceStorm: Relatively Moderate · inlandFlooding: Relatively Low · lightning: Relatively Low
FEMA flood zone
AE
Flood risk level
High
Wildfire risk to homes (county)
Higher than 3% of US counties
Buildings in wildfire direct-exposure zone
39.2%
Radon potential (county)
High radon potential — EPA Zone 1 of 3
EPA Superfund (NPL) sites within 5 mi
None
Nearest Superfund site
North Bronson Industrial Area (8.5 mi)
EPA recommends radon testing for every home regardless of zone.

Sources: FEMA National Risk Index (county-level) · FEMA flood data (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL

Climate (30-year normals)

Average annual temperature
48.0°F
Average high
58.0°F
Average low
39.0°F
Annual precipitation
40.7 in
Annual snowfall
35.6 in
USDA plant hardiness zone
6a (extreme annual low -10 to -5°F)

Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)

Walkability & transit

Walkability index
5.0 / 20
Transit service frequency
-99,999
Jobs reachable by car (30 min)
7,989
Jobs reachable by transit (45 min)
7,320

Source: EPA Smart Location Database (metropolitan block groups)

Amenities

Airports within 30 mi
19
Nearest airport
Branch County Memorial Airport (2 mi)
Nearest major airport
Battle Creek Executive Airport at Kellogg Field (BTL) (30 mi)
Hospitals nearby (~15 mi)
1
Hospitals include
INSIGHT HOSPITAL AND MEDICAL CENTER COLDWATER
Avg hospital rating (CMS)
2.0 / 5
Best hospital rating nearby (CMS)
2.0 / 5
Solar radiation rating
Fair (3.8 kWh/m²/day)

Sources: National Park Service · FAA airport data · CMS hospital data · DOE/NREL (proximity-based)

Migration

Net migration (county)
-67 tax filers

Source: IRS county-to-county migration data (county-level, ~12-month lag)

Housing stock

Median year housing built
1,972
Housing built before 1970
47.0%
Housing built 2000 or later
16.7%
Median annual property tax
$2,028
Mean commute to work
18 min
Households with broadband internet
69.8%

Source: Census ACS 5-year estimates (ZIP-level)

Employment & development

Total county employment
12,199
Average weekly wage
$938
Top industries (by employment)
Accommodation & Food, Health Care, Wholesale Trade
Annual residential building permits (county)
4

Sources: BLS QCEW (county-level) · Census Building Permits (county-level)

How it compares

ZIP 49036State medianUS median
Median home value$221,801$246,351$289,727
Median sale price$160,000$265,000$325,000
Median days on market91 days36 days51 days
Typical rent$1,179/mo$1,494/mo$1,808/mo
Median annual property tax$2,028$2,175$2,006

State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.

Area data compiled from public government, academic, and industry research feeds. Data sources →

Common questions

What is the median home value in ZIP 49036?
$221,801.
What is the median sale price in ZIP 49036?
$160,000.
How long do homes take to sell in ZIP 49036?
Median days on market: 91 days.
What is typical rent in ZIP 49036?
Typical rent: $1,179/month.
What is the natural-hazard risk in ZIP 49036?
Overall risk: Relatively Low (FEMA NRI, county-level). Top hazards: hail, iceStorm, strongWind, tornado.
Is ZIP 49036 in a flood zone?
High (FEMA NFIP). FEMA flood zone AE.
What is the wildfire risk in ZIP 49036?
Risk to homes is higher than 3% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
What is the radon potential in ZIP 49036?
High radon potential — EPA Zone 1 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near ZIP 49036?
No current or proposed National Priorities List sites within 5 miles (EPA).
How many schools serve ZIP 49036?
9 schools (3 elementary, 1 middle, 3 high) (NCES, 2022-23).
Is ZIP 49036 walkable?
Walkability index: 5.0/20 (EPA Smart Location Database).
What is the cost of living in ZIP 49036?
Regional Price Parity: 92.0 (100 = US average) (Below Average) (BEA RPP, metro/state-level).

Nearby ZIP codes

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Data last updated

Most recent source refresh: Sep 2026. See all data sources →

Data compiled by REAIGENT7 — AI listing platform for real estate agents