Housing data for Coldwater, MS
Coldwater, MS has an estimated 1,156 residents and 596 homes (US Census Bureau, 2020–2024 American Community Survey).
It is a town in Tate County.
38.6% of households rent.
Its population shrank measurably since 2015–2019 (−36.2%).
Figures last updated on .
- Residents
- 1,156 (±316)
- Housing units
- 596 (±143)
- Households that rent
- 38.6%
- Residents since 2015–2019
- −36.2%
What stands out in Coldwater
Median home value: $91,300 (±$13,168) in Coldwater, lower than in Tate County ($209,000).
Homes built before 1980: 53.0% (±17.8 points) in Coldwater, higher than in Tate County (29.4%).
Households that rent: 38.6% (±11.8 points) in Coldwater, higher than in Tate County (24.0%).
Households that moved in since 2020: 8.7% (±7.7 points) in Coldwater, lower than in Tate County (22.2%).
Housing in Coldwater at a glance
- Rent burden: 62.8% of renters pay 30% or more of income
- Renters and owners: 38.6% of households rent
- Income and affordability: $44,054 median household income
- Home values: $91,300 median home value
- Homeowner costs: $1,092 median monthly cost with a mortgage
- Property taxes: $1,236 median real estate taxes a year
- Types of homes: 0.0% of homes are in buildings of 5 or more units
- Bedrooms: 80.4% of homes have 3 or more bedrooms (Small sample: wide margin of error)
- Age of homes: 53.0% of homes were built before 1980
- Vacancy rate: 13.4% rental vacancy rate (Small sample: wide margin of error)
- Heating fuel: 58.7% heat with electricity
- Commute and cars: 24.2 minutes average trip to work
- Growth: −36.2% residents since 2015–2019
- How long people stay: 8.7% moved in since 2020 (Small sample: wide margin of error)
- Crowding and facilities: 0.6% of homes have more than 1 person per room (Small sample: wide margin of error)
Coldwater against Tate County, its state and the nation
| Coldwater | Tate County | Mississippi | United States | |
|---|---|---|---|---|
| Residents | 1,156 (±316) | 28,321 (exact) | 2,946,779 (exact) | 334,922,499 |
| Housing units | 596 (±143) | 11,694 (±41) | 1,341,114 (±478) | 143,775,355 |
| Households that rent | 38.6% (±11.8 points) | 24.0% (±3.0 points) | 30.0% (±0.4 points) | 34.8% |
| Median gross rent | — | $963 (±$97) | $954 (±$8) | $1,413 |
| Median household income | $44,054 (±$15,528) | $69,704 (±$5,349) | $56,447 (±$539) | $80,734 |
| Median home value | $91,300 (±$13,168) | $209,000 (±$17,518) | $169,800 (±$1,198) | $332,700 |
| Median real estate taxes (a year) | $1,236 (±$248) | $1,354 (±$96) | $1,215 (±$12) | $3,119 |
| Built before 1980 | 53.0% (±17.8 points) | 29.4% (±3.9 points) | 41.4% (±0.4 points) | 49.7% |
| Average commute | 24.2 minutes (±3.7) | 33.8 minutes (±2.5) | 25.6 minutes (±0.2) | 26.4 minutes |
| Households with broadband | 75.2% (±13.6 points) | 84.6% (±3.8 points) | 84.1% (±0.3 points) | 91.0% |
| Median age of residents | 41.0 years (±14.3) | 38.5 years (±0.7) | 38.6 years (±0.1) | 38.9 years |
Coldwater covers 2.4 square miles of land, about 487 residents per square mile (Census Bureau Gazetteer).
How Coldwater has changed since 2015–2019
| 2015–2019 | 2020–2024 | Amount of change | Verdict | |
|---|---|---|---|---|
| Residents | 1,812 (±354) | 1,156 (±316) | −36.2% | Measurable decrease |
| Housing units | 763 (±137) | 596 (±143) | −21.9% | Not a measurable change |
| Median home value | $74,400 (±$9,213) | $91,300 (±$13,168) | +22.7% | No measurable change after inflation |
| Median household income | $40,052 (±$11,712) | $44,054 (±$15,528) | +10.0% | No measurable change after inflation |
| Median owner cost with a mortgage | $828 (±$209) | $1,092 (±$98) | +31.9% | No measurable change after inflation |
| Median real estate taxes | $934 (±$91) | $1,236 (±$248) | +32.3% | No measurable change after inflation |
| Households that rent | 35.3% (±9.9 points) | 38.6% (±11.8 points) | +3.3 percentage points | Not a measurable change |
| Rental vacancy rate | 0.0% (±13.8 points) | 13.4% (±14.7 points) | +13.4 percentage points | Not a measurable change |
The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.
Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.
The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.
Crime reported to police in Tate County
Coldwater has no police department of its own in the FBI’s figures, so this is the figure for Tate County as a whole.
In 2025, the police departments that report for Tate County recorded 215 violent and 921 property crimes per 100,000 residents.
A county-wide figure describes the whole county, not this place; crime varies from one community to the next.
Places near Coldwater
| Place | Distance | Median gross rent | Median home value | Households that rent |
|---|---|---|---|---|
| Senatobia | 5.7 mi | $895 | $212,100 | 46.3% |
| Hernando | 11 mi | $1,302 | $315,900 | 18.8% |
| Como | 12 mi | — | $180,600 | 63.0% |
| Bridgetown | 14 mi | — | $344,500 | 4.6% |
| Crenshaw | 18 mi | $842 | $76,600 | 33.9% |
| Sardis | 18 mi | $703 | $82,600 | 41.3% |
| Southaven | 18 mi | $1,445 | $236,300 | 27.5% |
| Horn Lake | 19 mi | $1,435 | $171,400 | 41.9% |
HUD Fair Market Rent for Coldwater, fiscal year 2027
| Studio | 1 bedroom | 2 bedrooms | 3 bedrooms | 4 bedrooms |
|---|---|---|---|---|
| $836 | $842 | $1,101 | $1,322 | $1,447 |
HUD income limits for Coldwater, fiscal year 2026
| Household size | Extremely low (30%) | Very low (50%) | Low (80%) |
|---|---|---|---|
| 1 person | $17,450 | $29,050 | $46,500 |
| 2 people | $21,640 | $33,200 | $53,150 |
| 3 people | $27,320 | $37,350 | $59,800 |
| 4 people | $33,000 | $41,500 | $66,400 |
| 5 people | $38,680 | $44,850 | $71,750 |
| 6 people | $44,360 | $48,150 | $77,050 |
| 7 people | $50,040 | $51,500 | $82,350 |
| 8 people | $54,800 | $54,800 | $87,650 |
These are the limits HUD sets for its housing programs in the Tate County, MS HUD Metro FMR Area, where HUD’s median family income for fiscal year 2026 is $83,000.
A program can use its own limits; tax-credit and local programs often do.
Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.
Margins of error are at the 90% confidence level.
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Questions about Coldwater
Are renters in Coldwater rent-burdened?
62.8% of renting households in Coldwater pay 30% or more of their income in gross rent, the share housing researchers usually call rent-burdened (2020–2024 American Community Survey).
How many renters are there in Coldwater?
Coldwater has an estimated 187 (±75) renting households, 38.6% of its occupied homes (2020–2024 American Community Survey).
What is the median household income in Coldwater?
The median household income in Coldwater is $44,054 (±$15,528) a year (2020–2024 American Community Survey).
What is the average home value in Coldwater, MS?
The Census Bureau publishes the median: $91,300 (±$13,168) for owner-occupied homes in Coldwater (2020–2024 American Community Survey).
What is the average mortgage payment in Coldwater?
The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Coldwater, MS is $1,092 (±$98) a month, including taxes, insurance and utilities.
How much are property taxes in Coldwater?
The median real estate tax paid by homeowners in Coldwater, MS is $1,236 (±$248) a year (2020–2024 American Community Survey).
Is Coldwater growing?
In Coldwater, the number of residents went from 1,812 in 2015–2019 to 1,156 in 2020–2024 (−36.2%), a measurable decrease.
Sources
- Demographic and Housing Estimates (DP05), 2020–2024 ACS 5-year estimates — Coldwater town, Mississippi
- Selected Housing Characteristics (DP04), 2020–2024 ACS 5-year estimates — Coldwater town, Mississippi
- Selected Economic Characteristics (DP03), 2020–2024 ACS 5-year estimates — Coldwater town, Mississippi
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2020–2024 ACS 5-year estimates — Coldwater town, Mississippi
- Selected Social Characteristics (DP02), 2020–2024 ACS 5-year estimates — Coldwater town, Mississippi
- Total Population (B01003), 2015–2019 ACS 5-year estimates — Coldwater town, Mississippi
- Median Gross Rent (B25064), 2015–2019 ACS 5-year estimates — Coldwater town, Mississippi
- HUD Fair Market Rents, fiscal year 2027: Tate County, MS HUD Metro FMR Area
- HUD Income Limits, fiscal year 2026: Tate County, MS HUD Metro FMR Area
- Consumer Price Index for All Urban Consumers (CPI-U), US city average, all items, US Bureau of Labor Statistics: annual averages 2019 and 2024
- US Census Bureau, 2024 Gazetteer Files
To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) for Coldwater town, Mississippi (place:14900, in state:28).
Each estimate (E or PE) has a margin of error beside it (M or PM).
The 2015–2019 figures are B01003_001E, B01003_001M, B25064_001E, B25064_001M from the 2019 release.
The API needs a free key.
DP05_0001E, DP05_0001M, DP04_0001E, DP04_0001M, DP04_0047PE, DP04_0047PM, DP04_0134E, DP04_0134M, DP03_0062E, DP03_0062M, DP04_0089E, DP04_0089M
This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.
Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.
Figures last updated on .