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COLDWATER, OH 45828

Real Estate Market Report  ·  Mercer County
Buyer's Market
January 2026  ·  Source: Realtor.com

Market Overview

Active Listings
7
⇧ 133.3% vs 3 last year
Pending
3
43% pending ratio
Median Price
$289,900
⇩ 57.2% vs $678,000 last year
Average Price
$318,725
⇩ 53% vs $678,000 last year
Days on Market
89
⇧ 3.5% vs 86 days last year

Market Context

Population: 6,555  ·  Density: 74.7/mi²  ·  Median household income: $76,853

Typical home value: $216,977  ·  Homeownership: 81.4%

Market Analysis

Data as of January 2026. Source: Realtor.com.

The COLDWATER, OH real estate market (45828) currently shows 7 active listings, with 3 pending sales. Homes are averaging 89 days on the market before going under contract.

Inventory has increased compared to last year, with 4 more homes available — giving buyers more choice.

Homes are taking longer to sell, averaging 89 days on market compared to 86 days last year.

The median listing price has fallen 57.2% year-over-year, from $678,000 to $289,900.

Whether you are buying or selling in COLDWATER, OH, SELL123.com can help you save significantly on commission — typically 2% compared to traditional 5% broker fees. Call (240) SELL-123 for a free consultation.

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Market Trends

Inventory & Days on Market

Year over Year
  • Listings: 7 this year vs 3 last year
  • Days on market: 89 now vs 86 last year

Median & Average Pricing

Year over Year
  • Median: $289,900 (-57.2% YoY)
  • Average: $318,725 (-53% YoY)

12-Month Price Trend

Median & Average
  • Median and average listing prices over the past 12 months

12-Month Inventory Trend

Active & Pending
  • Active and pending listing counts over the past 12 months

Historical Trend Charts

Median Price
Average Price
Days on Market
Total Listings
Pending Listings
Active Listings
New Listings

Nearby Real Estate Markets

Median Price Legend:
< $250K
$250K–$500K
$500K–$1M
$1M–$2M
> $2M
25 Nearby Zip Code Markets within 21.5 miles — 53 listings ($17,171,019 combined market value)
Zip City / State Distance Listings Market Value Median $ Average $
45828Coldwater, OH 458280.0 mi7$2,231,075$289,900$318,725
45846Fort Recovery, OH 458466.5 mi1$249,900$249,900$249,900
47381Salamonia, IN 4738112.1 mi1$39,900$39,900$39,900
45362Rossburg, OH 4536214.0 mi1$63,900$63,900$63,900
45862Mendon, OH 4586215.3 mi1$187,450$187,450$187,450
47326Bryant, IN 4732615.9 mi1$109,900$109,900$109,900
46740Geneva, IN 4674017.1 mi5$1,224,625$221,400$244,925
46711Berne, IN 4671117.8 mi13$5,870,319$319,700$451,563
45380Versailles, OH 4538018.8 mi13$4,223,700$315,000$324,900
45845Fort Loramie, OH 4584519.1 mi2$1,119,800$559,900$559,900
45871New Knoxville, OH 4587119.8 mi3$1,237,200$412,400$412,400
45874Ohio City, OH 4587420.8 mi3$418,350$139,450$139,450
47382Saratoga, IN 4738221.5 mi2$194,900$97,450$97,450

Frequently Asked Questions

How many homes are for sale in COLDWATER, OH 45828?

As of January 2026, there are 7 active listings in COLDWATER, OH (zip code 45828), compared to 3 the prior year.

What is the median home price in COLDWATER, OH 45828?

The median listing price in COLDWATER, OH 45828 is $289,900 as of January 2026, a 57.2% decrease from $678,000 the prior year.

How long do homes stay on the market in COLDWATER, OH?

Homes in COLDWATER, OH 45828 spend an average of 89 days on the market before going under contract, compared to 86 days the prior year.

Is it a seller's or buyer's market in COLDWATER, OH 45828?

Based on current inventory and days-on-market data as of January 2026, COLDWATER, OH 45828 is currently a Buyer's Market. Inventory has increased compared to last year, with 4 more homes available — giving buyers more choice. Homes are taking longer to sell, averaging 89 days on market compared to 86 days last year.

How much can I save on real estate commission in COLDWATER, OH?

With SELL123.com's maximum 3% commission, sellers in COLDWATER, OH 45828 save an estimated $5,798 compared to a typical 5% commission on the median listing price of $289,900. Our fee structure: 1% listing + 2% selling broker — no additional buyer or seller fees. Call (240) SELL-123 or email info@SELL123.com for a free consultation.