Cost of Living in Coldwater, MI
Overall index: 62 (100 = US national average). Data source: US Census ACS 2023 & BLS OEWS 2025, 2025.
Overall Cost of Living Index
Cost Breakdown by Category
| Category | Index | vs US avg | Sample cost |
|---|---|---|---|
| Housing | 35 | -65% | $638 |
| Transportation | 105 | +5% | $3.50 |
| Food | 67 | -33% | $275 |
| Utilities | 68 | -32% | $63 |
| Healthcare | 68 | -32% | $46 |
Index 100 = US national average. Higher = more expensive.
Cost breakdown (visual)
Salary Calculator: What do you need to earn in Coldwater?
A single adult living comfortably in Coldwater, MI needs approximately $21,700 / year after taxes.
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Frequently Asked Questions
What is the cost of living in Coldwater, MI?
The overall cost of living in Coldwater, MI is 38% lower than the US national average (index: 62 where 100 = national average).
How much is rent in Coldwater, MI?
Average rent for a 1-bedroom apartment in Coldwater, MI is about $638/month.
Is Coldwater, MI expensive to live in?
No, Coldwater, MI is affordable (below national average).
What salary do I need to live in Coldwater, MI?
A single adult needs roughly $21,700/year to cover basic living costs in Coldwater, MI.