City

Coldwater, MS

1 ZIP code  ·  Tate County  ·  Mississippi

👥10,022Population
💰$54,128Median HH Income▼ 29% below avg
🎂47.5Median Age
🏠$139,600Median Home Value▼ 50% below avg
🎓25.4%College Grads▼ 34% below avg
📊6.7%Unemployment▲ 36% above avg
People & Population (ACS 2023 — weighted avg)
♂ Male 49.6% Female 50.4% ♀

Race & Ethnicity

White: 59.9%Hispanic: 6.1%Black: 31.5%Asian: 0%Other: 1.5%Race
White59.9%
Hispanic6.1%
Black31.5%
Asian0.0%
Other1.5%

Age Breakdown

Under 5
5%
5–17
12%
18–24
9%
25–44
21%
45–64
32%
65+
11%

Key Indicators

Median Age47.5 yrs
Avg HH Size2.29
Below Poverty15.1% ▲ 51% above avg
College Grads25.4% ▼ 34% below avg
Unemployment6.7% ▲ 36% above avg
No HS Diploma178 (2.7%)
HS Graduate2,707 (41.6%)
Some College1,028 (15.8%)
Associates938 (14.4%)
Bachelors741 (11.4%)
Graduate Degree912 (14%)

Education

No HS: 2.7%HS Grad: 41.6%Some College: 15.8%Associates: 14.4%Bachelors: 11.4%Graduate: 14%Edu
No HS2.7%
HS Grad41.6%
Some College15.8%
Associates14.4%
Bachelors11.4%
Graduate14.0%
Housing & Income

Housing Tenure

Owner: 79.7%Renter: 20.3%Tenure
Owner79.7%
Renter20.3%

Home Value Distribution

Under $50k
10%
$50k–$100k
20%
$100k–$150k
24%
$150k–$200k
8%
$200k–$300k
19%
$300k–$500k
17%
Over $500k
2%

Financials

Median HH Income$54,128 ▼ 29% below avg
Median Home Value$139,600 ▼ 50% below avg
Home/Income Ratio2.6x (nat avg ~3.5x)
Median Rent$1,032/mo
Total Housing Units4,810
Vacant Units446

Income Distribution

Under $25k
24%
$25k–$50k
21%
$50k–$75k
18%
$75k–$100k
13%
$100k–$150k
16%
$150k–$200k
4%
Over $200k
4%
Employment & Commute

How People Get to Work

Drove Alone
95%
Public Transit
1%
Walked
0%
Work From Home
4%

Commute Time

Under 15 min
9%
15–30 min
28%
30–45 min
36%
Over 45 min
27%
Housing Stock

Year Built

Before 1940
0%
1940s–1950s
8%
1960s–1970s
15%
1980s–1990s
20%
2000+
56%
About Coldwater, MS

Coldwater is a city in Mississippi, located in Tate County. The city spans 1 ZIP code and is home to approximately 10,022 residents. It is a mature city, with a median age of 47.5 years.

Economically, Coldwater is a working-class community. The median household income of $54,128 is below the national average. Approximately 15.1% of residents live below the poverty line. The unemployment rate is 6.7%, above the national average.

The real estate market in Coldwater is one of the more affordable housing markets in the country. Median home values stand at $139,600, which is below the national average. Renters typically pay around $1,032 per month. Homeownership is high at 79.7%, typical of suburban and family-oriented communities.

The population of Coldwater is moderately educated. 25.4% of adults hold a bachelor's degree or higher — below the national average. The community is majority White (59.85%).

Coldwater, MS offers residents a cost-conscious lifestyle within Mississippi.

ZIP Codes in Coldwater
ZIPPopulationMedian IncomeMedian HomeMedian RentUnemp.CollegeOwner Occ.
38618 10,022 $54,128 $139,600 $1,032 6.7% 25.4% 79.7%