Even on the area’s higher pay, Coldstream costs more to live in than 69% of U.S. towns
Home prices around Coldstream have risen about 54% over the past 5 years.
Census 2020–24 home values, rents, tax bills and cost burden, measured against the median household income of the Cincinnati, OH-KY-IN metro area ($81K). How TownRatings grades cost of living
Only 3 sales in September 2026: in a market this size, monthly medians swing a lot, so the typical value is the steadier guide.
The grade measures what housing costs against what households in the area earn. Coldstream’s area earns well above the typical U.S. town ($81K against $74K), but homes, rent and taxes here run higher still.
In dollars
- $1,570a month for a two-bedroom, utilities includedHUD Fair Market Rent, 2026
- 95prices across the Cincinnati metro, where the U.S. is 100 (housing 88)BEA Regional Price Parities, 2024
In paychecks the grade
- 10.5 yrsof area income buys the typical home; the typical U.S. town: 3.3$81K, Cincinnati-area income
- 18%of owners do; the typical U.S. town: 20%Census 2020–24
What Coldstream’s housing numbers say
Nearly every household owns
100% of Coldstream households own their home, against 67% across Ohio. Property taxes ↓
Renting costs far less than owning
A two-bedroom rents for about $1,570 a month. Owning the typical Coldstream home, with 20% down at the calculator’s rate, runs about $6,580 with tax and insurance: 4 times as much. Can I afford it? ↓
Written from the data on this page. There’s no Zillow index for Coldstream, so the typical value is an estimate: the Census median carried forward with the federal house price index; incomes, rents paid, taxes and ownership come from the Census American Community Survey.
What’s behind Coldstream’s grade
Measured against what households in the area earn, Coldstream is more affordable than 31% of U.S. towns. Home prices pull the grade down most; the share of households paying 30%+ for housing holds it up.
Home prices up 54% in 5 years
The federal house price index for the ZIP code around Coldstream rose 54% over the past 5 years, about the same as across Ohio. Last year prices rose 4.3%. Carrying the Census median home value forward with that index puts the typical Coldstream home at roughly $1,039,000 today.
Carrying the Census median forward with the index puts a typical home at about $1.04M.
Federal Housing Finance Agency House Price Index (annual) for the ZIP codes around Coldstream, weighted by land area. It tracks repeat sales of the same homes, so it shows how prices changed, not what homes cost.
A typical home costs 10.5 years of area income
The calculator starts from the area income the grade uses. Switch to Coldstream’s own median, or type yours.
That’s $741K short of a typical Coldstream home.
A two-bedroom rents for about $1,570 a month here, $5,010 less than owning.
An estimate, not a loan offer: payments of up to 28% of income, a 30-year fixed loan, the Ohio typical property tax (1.31% of value a year, from the Census) and insurance of about 0.35%. Mortgage insurance, HOA fees and other debts aren’t included.
A two-bedroom rents for about $1,570
Fair Market Rent a month, utilities included
U.S. Department of Housing and Urban Development, Fair Market Rents by ZIP code (Cincinnati, OH-KY-IN HUD Metro FMR Area): the 40th-percentile rent plus utilities for a standard unit. Median rent and renters: U.S. Census Bureau, American Community Survey.
High tax bills, but a low tax rate
The median bill is $10,000+ (Ohio: $2,822), because homes cost more. As a share of value it’s 1.18%+ a year, against 1.31% statewide.
Census American Community Survey 2020–24: the median real-estate tax bill homeowners report, and that bill ÷ the median home value. Bills include town, school and county taxes. The Census reports bills over $10,000 only as “$10,000+”.
The rest of a budget near Coldstream
Only figures published free for the whole country, each labeled with the area it covers: the Cincinnati, OH-KY-IN metro area, or Ohio. Groceries follow the goods price level; nobody publishes them town by town.
| Cost | Here | Compared with | Area | Source |
|---|---|---|---|---|
| Prices overall U.S. = 100 | 95 | OH 93 | metro | BEA, 2024 |
| Goods (groceries, clothing, cars…) U.S. = 100 | 94 | OH 94 | metro | BEA, 2024 |
| Utilities U.S. = 100 | 91 | OH 96 | metro | BEA, 2024 |
| Other services U.S. = 100 | 99 | OH 99 | metro | BEA, 2024 |
Price levels: U.S. Bureau of Economic Analysis, Regional Price Parities 2024 (metro area and state). Electricity: U.S. Energy Information Administration, Electric Power Monthly, table 5.6.A.
Coldstream vs. its neighbors
Zillow publishes no value for Coldstream. Anderson Township and Forestville have no Zillow value, so they are in the table only.
Cost next door · one source per column
| Town | Cost | Typical home Zillow, latest | Median value Census 2020–24 | Tax rate bill ÷ value | 2-bed rent HUD 2026 |
|---|---|---|---|---|---|
| Coldstream | C | — | $850K | 1.18%+ | $1,570 |
| Anderson Township | C− | — | $356K | 1.69% | $1,380 |
| Forestville | D | — | $317K | 1.79% | $1,530 |
“—” under Zillow: Zillow publishes no value for that town, so it’s left blank rather than mixed with Census figures. “+”: the Census reports the tax bill only as $10,000 or more, so the rate is at least that.
Questions about the cost of living in Coldstream
Is Coldstream expensive to live in?
Measured against what households in the area earn, Coldstream costs more than 69% of U.S. towns: a C for cost of living. The typical home costs 10.5 years of the median household income of the Cincinnati, OH-KY-IN metro area ($81K).
How much is rent in Coldstream?
HUD puts a two-bedroom at about $1,570 a month with utilities, the going rate for someone moving in.
What are property taxes in Coldstream?
The median bill is $10,000+ a year, 1.18% of the median home value (Ohio: $2,822, 1.31%), from the Census 2020–24.
Neighbors talk housing
What Coldstream buyers, sellers and renters are saying.
Home values: Zillow Home Value Index (ZHVI), Zillow Research. Sales, days on market and supply: Redfin Data Center, September 2026. Income, ownership, taxes and rent: U.S. Census Bureau, American Community Survey. Price trend: Federal Housing Finance Agency House Price Index. Fair Market Rents: U.S. Department of Housing and Urban Development. The calculator is an estimate, not a loan offer. Regional price levels: BEA; electricity: EIA. How TownRatings grades cost of living.