Coldwater, MI Metro Area - Investment Guide
Metro Area • 6 Cities • 6 ZIP Codes
Avg Home Value
$192,910
Avg Monthly Rent
$949
Avg Cap Rate
3.88%
Avg Investability
3.0 ★
Cities
6
ZIP Codes
6
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Market Trends
Metro Home Value History
🏦 30-yr Fixed Rate:
6.76%
as of Sep 10
Source: Freddie Mac PMMS
☀️
WARM MARKET
Coldwater, MI Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
9.6%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅
Market conditions data as of August 29, 2026 — updated weekly
Best ZIP codes in Coldwater, MI
Every ZIP in the metro, ranked four ways. Free.
Cities in Coldwater, MI
Top ZIP Codes by Investability
| ZIP Code | City | State | Home Value | Rent | Cap Rate | Rating |
|---|---|---|---|---|---|---|
| 49089 | Sherwood | MI | $145,543 | $873 | 4.68% | |
| 49094 | Union City | MI | $166,821 | $891 | 4.17% | |
| 49028 | Bronson | MI | $182,734 | $873 | 3.73% | |
| 49255 | Montgomery | MI | $162,135 | $1,008 | 4.85% | |
| 49036 | Coldwater | MI | $220,834 | $1,253 | 4.42% | |
| 49082 | Quincy | MI | $232,657 | $873 | 2.93% | |
| 49089 | Sherwood | MI | $156,901 | $873 | 4.34% | |
| 49094 | Union City | MI | $177,112 | $891 | 3.92% | |
| 49028 | Bronson | MI | $170,451 | $873 | 3.99% | |
| 49036 | Coldwater | MI | $206,255 | $882 | 3.34% | |
| 49255 | Montgomery | MI | $175,474 | $1,008 | 4.48% | |
| 49082 | Quincy | MI | $213,351 | $873 | 3.19% | |
| 49089 | Sherwood | MI | $139,728 | $873 | 4.87% | |
| 49094 | Union City | MI | $163,718 | $891 | 4.24% | |
| 49028 | Bronson | MI | $182,241 | $873 | 3.74% | |
| 49255 | Montgomery | MI | $164,164 | $1,008 | 4.79% | |
| 49036 | Coldwater | MI | $219,620 | $882 | 3.13% | |
| 49082 | Quincy | MI | $228,618 | $873 | 2.98% | |
| 49089 | Sherwood | MI | $159,615 | $873 | 4.27% | |
| 49094 | Union City | MI | $176,876 | $891 | 3.93% | |
| 49028 | Bronson | MI | $170,451 | $873 | 3.99% | |
| 49036 | Coldwater | MI | $206,255 | $882 | 3.34% | |
| 49255 | Montgomery | MI | $174,606 | $1,008 | 4.50% | |
| 49082 | Quincy | MI | $213,351 | $873 | 3.19% | |
| 49089 | Sherwood | MI | $139,728 | $873 | 4.87% | |
| 49094 | Union City | MI | $163,718 | $891 | 4.24% | |
| 49028 | Bronson | MI | $182,092 | $873 | 3.74% | |
| 49255 | Montgomery | MI | $164,164 | $1,008 | 4.79% | |
| 49036 | Coldwater | MI | $219,727 | $882 | 3.13% | |
| 49082 | Quincy | MI | $227,823 | $873 | 2.99% | |
| 49089 | Sherwood | MI | $153,328 | $873 | 4.44% | |
| 49094 | Union City | MI | $177,417 | $891 | 3.92% | |
| 49028 | Bronson | MI | $186,315 | $873 | 3.65% | |
| 49255 | Montgomery | MI | $169,477 | $1,008 | 4.64% | |
| 49036 | Coldwater | MI | $221,801 | $1,179 | 4.15% | |
| 49082 | Quincy | MI | $233,166 | $873 | 2.92% | |
| 49089 | Sherwood | MI | $159,738 | $873 | 4.26% | |
| 49028 | Bronson | MI | $171,774 | $873 | 3.96% | |
| 49094 | Union City | MI | $179,738 | $891 | 3.87% | |
| 49036 | Coldwater | MI | $207,438 | $882 | 3.32% | |
| 49255 | Montgomery | MI | $176,702 | $1,008 | 4.45% | |
| 49082 | Quincy | MI | $215,973 | $873 | 3.15% |
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About Coldwater, MI Real Estate Market
The Coldwater, MI metropolitan statistical area (MSA) encompasses 6 cities and 6 ZIP codes. The average home value across the metro is $192,910, with an average monthly rent of $949. Explore individual cities and ZIP codes to find investment opportunities that match your criteria.