38618 ZIP Code — Coldwater, MS

Tate County, Mississippi

ZIP code 38618 is located in Coldwater, Mississippi, within Tate County. It covers approximately 198.35 square miles and serves a population of 11,221 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 662.

About ZIP code 38618

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $142,300. Owner-occupancy is high at 78%, well above the national average.

Median household income is $47,205. 38% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is sales and office, with education and healthcare as the leading industry. The average commute of 33 minutes is near the national average.

College attainment at 11% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (24%) compared to national benchmarks.

Overall, ZIP code 38618 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

11,221

population

198.35

sq mi land

Standard

ZIP type

Central (CT)

timezone

38618 ZIP code map

Cities in ZIP code 38618

Below are the cities the US Postal Service accepts for ZIP code 38618. Using any city not on this list may result in mail delivery delays.

City	Status
Coldwater	Acceptable
Coldwater	Preferred

Nearby ZIP codes

38632 Hernando (6.2 mi) 38668 Senatobia (7.5 mi) 38651 Nesbit (12.2 mi) 38665 Sarah (13.8 mi) 38619 Como (16.5 mi) 38672 Southaven (16.7 mi) 38654 Olive Branch (16.8 mi) 38671 Southaven (17.1 mi) 38637 Horn Lake (17.2 mi) 38641 Lake Cormorant (19.1 mi) 38680 Walls (19.5 mi) 38611 Byhalia (19.9 mi)

Demographics updated 05/2026

Population
Total population	11,221
Population density	57 / sq mi
State FIPS	28
County FIPS	137

Geography
Land area	198.35 sq mi
Water area	5.63 sq mi
Latitude	34.7065
Longitude	-89.9726
Timezone	Central (CT)
Area code	662

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	56.5%	46.3%	52.9%
$50k – $100k	26.7%	30.8%	28.4%
$100k – $200k	15.3%	19.6%	15.3%
Over $200k	1.5%	3.3%	3.4%

Demographics & statistics

11,221

Population

People per sq mi

45.3

Median age

$47,205

Median household income

$27,844

Per capita income

$142,300

Median home value

$874

Median monthly rent

78.1%

Home ownership

14.6%

Poverty rate

8.7%

Unemployment

3,949

Housing units

11.3%

Bachelor's or higher

Age distribution

Male Female

288

Under 5

295

439

5–9

450

233

10–14

239

289

15–19

296

307

20–24

315

624

25–34

638

569

35–44

582

784

45–54

802

418

55–59

428

500

60–64

511

743

65–74

760

287

75–84

293

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	2,244	20.0%
18 and over	8,977	80.0%
65 and over	2,214	19.7%
Median age	45.3 years

Race & ethnicity

White 66.4%

Black or African American 30.1%

Two or more races 1.9%

Hispanic or Latino 0.8%

Other race 0.5%

Native Hawaiian / Pacific Islander 0.2%

Asian 0.1%

American Indian / Alaska Native 0.1%

Group	Count	%
White	7,509	66.4%
Black or African American	3,409	30.1%
Two or more races	214	1.9%
Hispanic or Latino	91	0.8%
Other race	51	0.5%
Native Hawaiian / Pacific Islander	19	0.2%
Asian	11	0.1%
American Indian / Alaska Native	8	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	56.5%	46.3%	52.9%
$50k – $100k	26.7%	30.8%	28.4%
$100k – $200k	15.3%	19.6%	15.3%
Over $200k	1.5%	3.3%	3.4%

Under $10k 5.3%

$10k–$15k 6.8%

$15k–$25k 8.6%

$25k–$35k 11.8%

$35k–$50k 18.6%

$50k–$75k 15.3%

$75k–$100k 11.3%

$100k–$150k 14.1%

$150k–$200k 4.9%

$200k+ 3.1%

Range	% of households
Under $10k	5.3%
$10k–$15k	6.8%
$15k–$25k	8.6%
$25k–$35k	11.8%
$35k–$50k	18.6%
$50k–$75k	15.3%
$75k–$100k	11.3%
$100k–$150k	14.1%
$150k–$200k	4.9%
$200k+	3.1%
Median income	$47,205

Housing

Home values

Under $50k 9.6%

$50k–$100k 19.1%

$100k–$150k 24.3%

$150k–$200k 10.4%

$200k–$300k 20.7%

$300k–$500k 13.3%

$500k–$1M 2.1%

$1M+ 0.4%

Housing overview

Metric	Value
Median home value	$142,300
Median rent / month	$874
Owner occupied	78.1%
Renter occupied	21.9%
Vacant	7.4%
Single-family detached	65.2%
Large apartment buildings	0.0%
Mobile homes	32.6%
Median rooms	5.8
Avg household size (owned)	2.39

Year built

Era	%
2020 or later	0.1%
2010–2019	8.2%
2000–2009	15.4%
1990–1999	33.1%
1980–1989	13.3%
1970–1979	11.4%
1960–1969	8.5%
1950–1959	4.9%
1940–1949	3.0%
1939 or earlier	2.2%

Bedrooms

Size	% of units
No bedroom (studio)	0.1%
1 bedroom	1.3%
2 bedrooms	15.2%
3 bedrooms	63.0%
4 bedrooms	18.5%
5+ bedrooms	1.9%

Vehicles per household

Vehicles	% of households
No vehicle	2.0%
1 vehicle	24.8%
2 vehicles	38.0%
3 or more	35.2%

Heating fuel

Fuel type	%
Utility gas	10.1%
Electricity	49.4%
Propane / LP gas	33.2%
Wood	7.2%

Households & families

Household type	Count	%
Married-couple family	2,446	53.3%
Cohabiting couple	187	4.1%
Male householder, no spouse	784	17.1%
Female householder, no spouse	1,174	25.6%
Households with children under 18	1,383	30.1%
Households with seniors (65+)	1,677	36.5%
Average household size	2.44

Marital status

Status	Male	Female
Never married	25.9%	21.3%
Married	56.3%	55.0%
Separated	6.4%	2.4%
Widowed	5.9%	11.5%
Divorced	5.6%	9.8%

Education

Less than 9th grade 7.1%

Some HS, no diploma 13.1%

HS graduate 43.5%

Some college, no degree 17.0%

Associate's degree 8.1%

Bachelor's degree 7.6%

Graduate / professional 3.7%

Metric	%
HS diploma or higher	79.9%
Bachelor's or higher	11.3%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	134	6.4%
Kindergarten	178	8.5%
Elementary school	1,028	49.1%
High school	389	18.6%
College / grad school	366	17.5%

Employment

Industry of employment

Education & healthcare 16.8%

Transportation & utilities 13.9%

Manufacturing 10.7%

Construction 9.8%

Retail trade 9.6%

Other services 8.1%

Professional & management 7.9%

Arts, food & hospitality 7.5%

Finance & real estate 6.0%

Public administration 3.4%

Wholesale trade 3.3%

Agriculture & mining 2.6%

Information 0.3%

Occupation

Category	%
Management, business & arts	25.8%
Service	9.5%
Sales & office	28.9%
Natural resources & construction	14.5%
Production & transportation	21.2%

Employment type

Type	%
Private sector	82.3%
Government	12.7%
Self-employed	4.0%
Unpaid family workers	1.0%

Commute

Method	%
Drive alone	92.8%
Carpool	3.6%
Public transit	0.6%
Walk	0.2%
Work from home	2.5%
Other means	0.3%
Avg commute (minutes)	32.7

Poverty

All people 14.6%

Under 18 years 15.8%

18 and over 14.3%

Married-couple families 4.7%

Female-led households 23.7%

Income support

Source	% of households
Social Security	38.0%
Retirement income	27.9%
Supplemental Security	4.7%
Cash public assistance	1.3%
Food stamps / SNAP	11.8%

Health indicators

Condition	%
Obesity	41.6%
High blood pressure	44.9%
High cholesterol	38.6%
Diabetes	13.7%
Heart disease	7.7%
Stroke	4.3%
Asthma	10.4%
Arthritis	31.2%
Kidney disease	3.5%
Pulmonary disease	8.6%
Cancer	6.4%

Behavior / access	%
Smoking	23.6%
Binge drinking	13.2%
No physical activity	32.3%
Less than 7 hrs sleep	37.2%
Depression	22.8%
Fair or poor health	22.1%
Poor mental health	15.4%
Poor physical health	12.4%
No health insurance	20.3%
Visited doctor (checkup)	78.6%
Visited dentist	51.7%
Cholesterol screening	88.9%
Teeth loss	19.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	530	5.9%

Disability	%
Any disability	18.8%
Under 18	9.5%
18–64 years	17.0%
65 and over	33.6%

Health insurance coverage

Type	%
Private insurance	54.8%
Public insurance	44.3%
No insurance	14.2%
Uninsured under 19	8.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	10,638	94.8%
Spanish	162	1.5%
Other Indo-European	162	1.5%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	11,039	98.4%
Born in same state	10,991	98.0%
Born in different state	5,724	51.0%
Foreign born	48	0.4%
Naturalized citizen	182	1.6%
Not a US citizen	12	6.6%

Ancestry

Ancestry	Count	%
Arab	1,021	9.1%
Italian	763	6.8%

Ancestry	Count	%
French	529	4.7%
English	51	0.5%

Technology access

Metric	% of households
Computer access	40.9%
Internet access	84.0%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 38618

What city is ZIP code 38618 in?

ZIP code 38618 is primarily assigned to Coldwater, Mississippi.

What county is ZIP code 38618 in?

ZIP code 38618 falls within Tate County, Mississippi.

How educated is the population of ZIP code 38618?

11% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

Does ZIP code 38618 have a large retiree population?

38% of households in ZIP code 38618 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 38618?

The median home value in ZIP code 38618 is $142,300.

What is the median household income in ZIP code 38618?

The median household income in ZIP code 38618 is $47,205, below the national median of ~$75,000.

What timezone is ZIP code 38618 in?

ZIP code 38618 observes the CST timezone.