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Coldwater Downtown Historic District 2
Michigan›Branch County

Coldwater TownshipMI

A town of 3,859, incorporated in 1837.

5 bordering townsMap →
Photo: F. D. Richards · CC BY-SA 2.0
Photo of Coldwater Township

Coldwater Township, MI · Photo: F. D. Richards · CC BY-SA 2.0 · Source ↗

Is Coldwater Township a good place to live?

Coldwater Township gives you more for your money than most places: homes are within reach, about $169K for a typical one, or 2.7 years of the Coldwater area’s $64K median household income. It grades C overall, 518th among Michigan's 697 graded towns. The low prices come with trade-offs. CDC estimates put its residents' health behind 77% of the country. On the plus side, natural-hazard risk is low. On civic life, just 117 of Michigan’s 1,265 towns do worse. Most errands need a car: it is less walkable than 84% of U.S. towns. Coldwater Township’s average trip to work is 19 minutes, against 25 minutes in Michigan’s towns and 25 minutes across U.S. towns.

What makes Coldwater Township stand out

Where Coldwater Township beats most towns.

A shrinking town

Coldwater Township has shrunk 44% since 2010

6,102 counted in 2010 and 3,406 in 2020; an estimated 3,859 in 2025.

6,1022010
3,4062020
3,8592025 est.

U.S. Census 2010 & 2020 counts · Census Bureau estimate, July 1, 2025

How Coldwater Township grades

Each subject compared with towns across the country (schools within Michigan), ordered by how far Coldwater Township is from typical.

How grading works
Character Graded, but not part of the overall grade.
Described, not graded Taste, not quality: snow or an older crowd is neither good nor bad.

How TownRatings grades towns →

Family record - executed with a steel pen by J.S. Conover, Coldwater, Mich
Family record - executed with a steel pen by J.S. Conover, Coldwater, Mich, 1869
Coldwater Township’s story

189 years in pictures

Census counts: 4,381 in 1870, 13,822 in 2020. The archive holds 12 old photos and papers going back to 1869 and 3 maps from 1960 on.

  • 1837Coldwater Township is incorporated
Explore the history →
Getting set up

Moving to Coldwater Township: who provides what

Who provides power, water and the rest in Coldwater Township, and how to reach them.

The full setup list →
PowerConsumers Energy20.7¢/kWh · EIA 2025HIFLD · EIA
WaterColdwaterNo health-based violations in 5 years · EPAEPA
Internet7 providers96% of addresses get 100/20 MbpsFCC
Trash & dumpNot on file yetWe don’t have Coldwater Township’s trash rules yet
SchoolsColdwater Community SchoolsWhich school depends on your addressNCES
Register to voteOnlineIn Michigan you can register online until 15 days before Election Day, in person up to and including Election Day, or by mail (postmarked 15 days before).vote.gov
Who runs elections hereColdwater Township ClerkThe town itself; contacts on the Handbook page.FVAP, Jul 2026
ZIP code4903649036 100%Census 2020

EPA SDWIS (Oct 9, 2026) · HIFLD + EIA-861 2025 · Census 2020 ZCTAs · NCES 2024–25 · registration: vote.gov, updated Sep 12, 2025.

The data

Ordered by what stands out in Coldwater Township.

HealthC−

Coldwater Township’s grade for health is a C−

17% of Coldwater Township adults report frequent physical distress. Coldwater Township beats the Michigan average on 0 of 32 CDC measures and trails it on 13. 41% of Coldwater Township adults have high blood pressure.

23%healthier than U.S. townsC−Health Grade
Coldwater TownshipMichigan townsU.S. towns
Frequent physical distress (CDC PLACES)17%14%14%
High blood pressure (CDC PLACES)41%36%35%
Smoke cigarettes (CDC PLACES)18%15%14%
Diabetes (CDC PLACES)14%12%12%
32 measures vs. Michigan
0 better19 too close to call13 worse
What stands outColdwater TownshipMI
More older adults who have lost all their teeth15.4%10.2%
More adults with COPD10.5%8.1%
More uninsured adults8.7%6.9%
Insight Hospital and Medical Center Coldwater
1.8 mi away · emergency room
2 of 3
care shortages: primary care, dental
18th
percentile among MI towns

CDC PLACES 2025 · modeled estimates for adults · CMS · HRSA

Natural hazardsHazard risk grade A−

Very low risk in Coldwater Township, with inland flooding at the top

Expected storm and flood damage is lower than in 81% of U.S. communities. Since 2008, 9 flood insurance claims have been paid out in Coldwater Township.

19risk score of 100
FEMA risk score
19Very low riskLowerHigher
Inland floodingTornadoesCold waves
9
paid flood claims since 2008

FEMA flood insurance claims · FEMA National Risk Index · OpenFEMA

Climate

In Coldwater Township, expect snowy winters and pleasant summers

Coldwater Township has chilly, snowy winters and pleasant summers. July afternoons reach 83°, January nights drop to 17° and about 43 inches of snow falls in a winter.

43″snow a winter

Typical low → high °F

Winter19–34°
Spring37–58°
Summer59–81°
Fall41–61°
Oct 13
typical first frost
May 2
typical last frost
+1.2°
vs. the 20th-century average

NOAA U.S. Climate Normals, 1991–2020

Work & commuteJobs & income grade C

About one in three of Coldwater Township’s working residents commute to Coldwater

Jobs based here grew from 1,311 in 2011 to 2,145.

Most working residents leave Coldwater Township for work: only 8% work in town. Since 2011, Coldwater Township has added 834 jobs, to 2,145 in 2021. The top destinations are Coldwater (34%), Sturgis (2%) and Marshall (2%).

8%work in town
Coldwater TownshipMichigan townsU.S. towns
Median household income$72,000$77,000$80,000
Working residents who work in town7.7%5.9%8%

Where working residents work

In Coldwater Township8%
Coldwater34%
Sturgis2%
Marshall2%
Battle Creek2%
16 mi
median commute distance
2,145
jobs based in Coldwater Township
Balanced
jobs vs. working residents
C−
Walkability grade: more walkable than 16% of U.S. towns

Census LEHD 2021 · ACS

Who lives here

More young adults than Michigan overall

Adults 18 to 34 are 28% of residents (22% statewide); adults 35 to 64 are 33% of residents (38% statewide). 19% of residents are under 18 in Coldwater Township. 27% of adults 25 and older have a bachelor’s degree or more, vs 32% across Michigan.

38.7median age · MI 40.2
Coldwater TownshipMichigan townsU.S. towns
Under 1819%21%22%
Median age38.7 years42.5 years40.5 years
Aged 65 or older20%19%18%
Coldwater TownshipMichiganUnited States

Ages · share of residents

Education · adults 25 and older

No diploma3%
High school38%
Some college24%
Associate’s8%
Bachelor’s20%
Graduate7%

Women and men · all residents

46% women, 54% men

About 118 men for every 100 women (the survey’s margin: ±4 points). Across Michigan, 50.4% of residents are women.

Ages and education in Coldwater Township
Coldwater TownshipMIU.S.
Under 1012.1%11.2%11.6%
10 to 177.1%10.1%10.3%
18 to 248.3%9.2%9.1%
25 to 3419.9%13.2%13.7%
35 to 446.7%12.2%13.2%
45 to 5412.9%12%12.2%
55 to 6413%13.6%12.7%
65 to 7410.6%11.2%10.2%
75 and older9.4%7.4%7%
No diploma3.2%7.9%10.4%
High school37.9%28%26%
Some college23.9%21.9%19.1%
Associate’s8%9.8%8.8%
Bachelor’s20.4%19.7%21.6%
Graduate6.7%12.7%14.1%

U.S. Census Bureau · ACS 2020-2024 5-year estimates · in a town of 3,900, single groups can be off by several points

OutdoorsC−

1% of Coldwater Township is conserved land

2.1 miles of trail in 3 parks and preserves. Coldwater Township’s trail density is 0.1 miles per square mile.

#507for trails in MI
Coldwater TownshipMichigan townsU.S. towns
Miles of trail per square mile0.1 miles per square mile0.30.4
Conserved land1%4.4%4.3%
1%
conserved · 178 of 17,317 acres
2.1 mi
of trails · 0.1 per sq mi
Biggest places to walkTrailsAcres
1. Memorial Park0.2 mi32
2. Creal Soccer Complex—17
3. Randall Lake Public Access—3

Trails & parks © OpenStreetMap contributors · Conserved land: USGS PAD-US

Nearby attractions

Air Zoo and 11 more within 40 miles

Museums, parks, gardens and other places to visit around Coldwater Township. Close and well known come first.

All 25 attractions →
Sources: National Park Service · ski areas © OpenSkiMap / OpenStreetMap contributors · Wikidata · Wikipedia readership · photos via Wikimedia Commons
Photo credits

Air Zoo: User:my name, CC BY-SA 3.0 · American Museum of Magic: rossograph, CC BY-SA 4.0 · Auburn Cord Duesenberg Automobile Museum: Michael Walter, a.k.a. Cuppysfriend, CC BY-SA 3.0 · Kingman Museum: Unknown authorUnknown author, Public domain

Keep exploring

Everything we know about Coldwater Township

18pages on Coldwater Township
After high school

Colleges nearby

None within 15 miles of Coldwater Township; the nearest are

About Coldwater Township

City in Michigan, United States

Official town website ↗

Coldwater is a city in and the county seat of Branch County in the U.S. state of Michigan. The city had a population of 13,822 at the 2020 census. The city is mostly surrounded by Coldwater Township, but the two are administered autonomously.

From Wikipedia, licensed CC BY-SA 4.0 · facts via Wikidata (CC0)

Established
1861
Area
9.3 sq mi
Elevation
965 ft
ZIP code
49036
Area code
517

Coldwater Township’s neighbors

5 towns share a border with Coldwater Township.

Explore the map →
How the neighbors grade
TownMI rankOverallCostSafetySchoolsHealth
Coldwater Township#518CB+—BC−
Coldwater#563CBCBD
Girard Township——C+—BC
Ovid Township——B−—BC−
Batavia Township——A—BC−
Quincy Township#397B−B+—BC

Girard Township, Ovid Township and Batavia Township have fewer than 2,500 residents, so they get subject grades but no overall grade. Coldwater Township, Girard Township, Ovid Township, Batavia Township and Quincy Township report no FBI crime data of their own. Compare Coldwater Township with a neighbor →

Questions about Coldwater Township

Short answers, built from the data on this page.

Is Coldwater Township, MI a good place to live?

Coldwater Township grades C overall, better than 34% of U.S. towns and #518 of 697 in Michigan. It grades C− for health and B for schools. Walkability is its weak spot, with a C−.

Is Coldwater Township, MI expensive?

Not for the area. Cost of living, which also weighs rents, property taxes and how many households pay 30% or more of their income for housing, grades B+.