Is Coldwater, OH 45828 a buyer’s or seller’s market?
Coldwater is a seller’s market. With about 2.7 months of supply and 50% of recent sales closing above the original list price, competing offers are common on well-priced homes. Buyers here often have a pre-approval in hand and a plan for the appraisal gap before touring.
The Coldwater housing market right now
In the three months ending August 31, 2026, 50% of homes in Coldwater, OH 45828 sold above their list price, the typical home went under contract in 34 days and there were 2.7 months of supply. Under four months of supply means sellers have the edge: expect competition for well-priced homes. With only 6 sales, these figures can swing a lot from month to month.
Compared with the same period a year earlier, the share selling over asking rose from 29%, homes sold more slowly (26 days then) and the median sale price rose 6% to $285,377. Overall, Coldwater is more competitive than a year ago, so tougher for buyers.
Within Mercer County, homes here sell faster than in 67% of the county’s ZIP codes, and sell more often over asking than in any other ZIP code in the county.
Nearby, buyers who want less competition could look at Saint Henry 45883 (0% sold over asking) or Mendon 45862 (0% sold over asking).
Run the numbers for 45828
Nearby markets
Burkettsville 45310 $164 /sq ftCelina 45822Seller’s market $176 /sq ftFort Recovery 45846 $150 /sq ftMaria Stein 45860 — /sq ft Browse all markets →Towns like Coldwater nearby
Find towns like Coldwater in other states →Where Coldwater is
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Questions about Coldwater real estate
Is Coldwater a buyer’s or seller’s market?
A seller’s market: there were 2.7 months of supply in Coldwater, OH 45828 in the three months ending August 31, 2026. Under four months usually favors sellers, and more than six favors buyers.
How fast do homes sell in Coldwater?
The typical home went under contract in 34 days in the latest three months.
Do homes in Coldwater sell over asking?
50% of homes sold above their original list price, and the typical sale closed at 95.3% of the list price.
What are property taxes in Coldwater?
About 1.10% of a home’s value a year in Mercer County, or roughly $4,400 on a $400,000 home.
What is the median home price in Coldwater?
The median sale price was $285,377 in the three months ending August 31, 2026, about $132 per square foot.
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Market data describes housing activity only. Figures are rolling 3-month values from Redfin and may be revised. Methodology