Coldwater ZIP Codes — Mercer County, OH

There is one unique ZIP code in Coldwater, Ohio and it is 45828. Area code: 419/567.

ZIP codes

33.87

sq mi land

0.08

sq mi water

419/567

area code

Coldwater, OH ZIP code map

About Coldwater, OH

Coldwater, Ohio, is a small village located within the picturesque Mercer County. Known for its strong sense of community and historical roots, Coldwater has a charm that attracts both residents and visitors. The village offers a blend of rural beauty infused with modern conveniences, making it a wonderful place to live or visit.

Location & geography

Coldwater is conveniently situated in west-central Ohio, making it a central hub for neighboring communities. It lies approximately 17 miles from Lima to the south, 18 miles from Celina to the north, and about 25 miles from Fort Wayne, Indiana, to the northwest. The village encompasses a land area of 33.87 square miles, with minimal water coverage of 0.08 square miles, creating a predominantly terrestrial landscape.

Community & economy

The character of Coldwater is defined by its friendly atmosphere and active local community, which embraces both tradition and progress. The village's economy is supported by various industries, including agriculture and manufacturing, which offer employment opportunities for residents. Daily life in Coldwater is enriched by local events, parks, and recreational activities that foster community engagement among families and individuals.

Transportation

Coldwater is well-connected by State Route 118 and State Route 703, which provide access to larger metropolitan areas and neighboring towns. The nearest regional airport is the Grand Lake Regional Airport, located approximately 15 miles away in Celina, Ohio, facilitating convenient travel options. Public transportation is limited, but residents rely primarily on personal vehicles for commuting.

History

Founded in the early 19th century, Coldwater has evolved from a humble rural settlement into a vibrant community. The village was historically centered around agriculture, which remains a key aspect of its economy today. Notable events in Coldwater's history include its participation in local celebrations and fairs that highlight its rich cultural heritage.

Did you know?

A little-known fact about Coldwater is that it is home to St. Henry's Memorial Park, which features beautiful walking trails and recreational facilities. Additionally, the village hosts an annual Coldwater Community Picnic that brings together residents and visitors for a fun-filled celebration of local culture and unity.

ZIP codes for Coldwater, OH (1)

ZIP code	City	County	Map
45828	Coldwater	Mercer	View map

Demographics & statistics

6,555

Population

35.5

Median age

$76,853

Median household income

$29,605

Per capita income

$217,100

Median home value

$636

Median monthly rent

81.4%

Home ownership

2.8%

Poverty rate

2.0%

Unemployment

1,890

Housing units

24.0%

Bachelor's or higher

Age distribution

Male Female

251

Under 5

279

284

5–9

315

317

10–14

351

208

15–19

231

141

20–24

156

327

25–34

362

350

35–44

389

391

45–54

434

210

55–59

233

187

60–64

207

223

65–74

248

155

75–84

171

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	2,097	32.0%
18 and over	4,458	68.0%
65 and over	932	14.2%
Median age	35.5 years

Race & ethnicity

White 98.3%

Asian 0.5%

Black or African American 0.4%

Two or more races 0.4%

Native Hawaiian / Pacific Islander 0.3%

Group	Count	%
White	6,445	98.3%
Asian	33	0.5%
Black or African American	29	0.4%
Two or more races	28	0.4%
Native Hawaiian / Pacific Islander	20	0.3%

Household income

Under $10k 1.6%

$15k–$25k 11.0%

$25k–$35k 5.8%

$35k–$50k 9.1%

$50k–$75k 20.7%

$75k–$100k 11.4%

$100k–$150k 33.0%

$150k–$200k 6.5%

$200k+ 0.8%

Range	% of households
Under $10k	1.6%
$15k–$25k	11.0%
$25k–$35k	5.8%
$35k–$50k	9.1%
$50k–$75k	20.7%
$75k–$100k	11.4%
$100k–$150k	33.0%
$150k–$200k	6.5%
$200k+	0.8%
Median income	$76,853

Housing

Home values

Under $50k 0.5%

$50k–$100k 7.1%

$100k–$150k 17.6%

$150k–$200k 18.3%

$200k–$300k 26.8%

$300k–$500k 18.5%

$500k–$1M 4.8%

$1M+ 6.6%

Housing overview

Metric	Value
Median home value	$217,100
Median rent / month	$636
Owner occupied	81.4%
Renter occupied	18.6%
Vacant	0.0%
Single-family detached	89.1%
Large apartment buildings	0.6%
Mobile homes	0.8%
Median rooms	6.7
Avg household size (owned)	2.95

Year built

Era	%
2020 or later	6.3%
2010–2019	9.6%
2000–2009	5.3%
1990–1999	11.4%
1980–1989	6.6%
1970–1979	21.4%
1960–1969	3.7%
1950–1959	16.5%
1940–1949	5.0%
1939 or earlier	14.1%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	5.6%
2 bedrooms	9.9%
3 bedrooms	52.6%
4 bedrooms	29.9%
5+ bedrooms	2.0%

Vehicles per household

Vehicles	% of households
No vehicle	5.4%
1 vehicle	25.9%
2 vehicles	42.0%
3 or more	26.8%

Heating fuel

Fuel type	%
Utility gas	49.8%
Electricity	27.7%
Propane / LP gas	13.7%
Fuel oil	3.7%
Wood	2.0%
No fuel used	2.7%

Households & families

Household type	Count	%
Married-couple family	1,527	65.8%
Cohabiting couple	57	2.5%
Male householder, no spouse	247	10.6%
Female householder, no spouse	490	21.1%
Households with children under 18	846	36.4%
Households with seniors (65+)	607	26.2%
Average household size	2.78

Marital status

Status	Male	Female
Never married	23.3%	22.4%
Married	71.5%	60.5%
Separated	0.0%	0.0%
Widowed	2.0%	14.3%
Divorced	3.2%	2.8%

Education

Less than 9th grade 0.9%

Some HS, no diploma 4.9%

HS graduate 41.5%

Some college, no degree 13.7%

Associate's degree 15.0%

Bachelor's degree 16.3%

Graduate / professional 7.7%

Metric	%
HS diploma or higher	94.2%
Bachelor's or higher	24.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	129	6.7%
Kindergarten	121	6.3%
Elementary school	1,096	56.6%
High school	388	20.1%
College / grad school	201	10.4%

Employment

Industry of employment

Manufacturing 28.8%

Education & healthcare 19.3%

Retail trade 18.5%

Construction 5.8%

Other services 5.2%

Professional & management 4.6%

Wholesale trade 4.1%

Public administration 3.8%

Arts, food & hospitality 2.9%

Finance & real estate 2.8%

Transportation & utilities 1.6%

Agriculture & mining 1.5%

Information 0.9%

Occupation

Category	%
Management, business & arts	33.4%
Service	12.8%
Sales & office	20.9%
Natural resources & construction	5.2%
Production & transportation	27.7%

Employment type

Type	%
Private sector	79.3%
Government	14.1%
Self-employed	6.6%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	85.5%
Carpool	10.1%
Public transit	0.1%
Walk	0.7%
Other means	0.5%
Avg commute (minutes)	19.3

Poverty

All people 2.8%

Under 18 years 2.4%

18 and over 3.0%

Married-couple families 0.7%

Female-led households 46.8%

Income support

Source	% of households
Social Security	28.1%
Retirement income	24.8%
Supplemental Security	2.7%
Cash public assistance	0.6%
Food stamps / SNAP	5.6%

Health indicators

Condition	%
High blood pressure	32.0%
High cholesterol	30.1%
Heart disease	7.0%
Stroke	3.1%
Asthma	9.4%
Arthritis	27.4%
Kidney disease	2.8%
Pulmonary disease	8.1%
Cancer	7.5%

Behavior / access	%
Binge drinking	16.9%
No physical activity	26.2%
Less than 7 hrs sleep	32.5%
Fair or poor health	13.4%
Poor mental health	15.6%
Poor physical health	9.9%
No health insurance	11.2%
Visited doctor (checkup)	74.6%
Visited dentist	65.3%
Cholesterol screening	88.7%
Teeth loss	13.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	258	5.8%

Disability	%
Any disability	7.2%
Under 18	4.1%
18–64 years	3.4%
65 and over	30.8%

Health insurance coverage

Type	%
Private insurance	85.9%
Public insurance	22.8%
Uninsured under 19	1.6%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	6,025	91.9%
Spanish	3	0.0%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	3	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	6,496	99.1%
Born in same state	6,496	99.1%
Born in different state	5,987	91.3%
Foreign born	0	0.0%
Naturalized citizen	59	0.9%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
Arab	842	12.8%
Italian	194	3%
French	95	1.4%

Ancestry	Count	%
English	48	0.7%
Irish	42	0.6%

Technology access

Metric	% of households
Computer access	35.4%
Internet access	90.1%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions

What ZIP codes does Coldwater, OH have?

Coldwater, OH has one ZIP code: 45828. Each ZIP code serves a distinct delivery area within the city and surrounding region.