Coldwater ZIP Codes — Tate County, MS

There is one unique ZIP code in Coldwater, Mississippi and it is 38618. Area code: 662.

ZIP codes

198.35

sq mi land

5.63

sq mi water

662

area code

Coldwater, MS ZIP code map

About Coldwater, MS

Coldwater, Mississippi, is a small city located in Tate County. With its charming southern ambiance and friendly community, Coldwater provides a peaceful lifestyle for its residents. The city is known for its rich history and connection to the agricultural landscape of Mississippi.

Location & geography

Coldwater is situated in the northwestern part of Mississippi, and it serves as a hub for nearby communities. The city is approximately 22 miles from Memphis, Tennessee, making it a convenient location for those commuting to the larger city. Coldwater spans a land area of 198.35 square miles, with an additional 5.63 square miles of water, featuring a mix of flat terrain and various bodies of water that contribute to the city’s scenic beauty.

Community & economy

The character of Coldwater is deeply rooted in its agricultural heritage, with local industries primarily centered on farming and related services. Daily life in Coldwater is characterized by a close-knit community atmosphere, where residents often gather for local events and support small businesses. The city fosters a strong sense of identity, with community gatherings and celebrations reflecting its rich cultural heritage.

Transportation

Coldwater is accessible via several highways, including U.S. Route 49, which connects the city to other regions within Mississippi. The nearest major airport is Memphis International Airport, located about 30 miles away, providing convenient air travel options. Local transit options are limited, encouraging a car-dependent lifestyle within the community.

History

Coldwater was founded in the early 19th century and quickly became an agricultural center due to the fertile land in the region. Over the years, the city has developed its unique identity, fostering industries related to farming, and housing a vibrant community. Notable events in the city’s history include the development of local schools and civic organizations that have played a significant role in fostering community spirit.

Did you know?

One surprising fact about Coldwater is that it has only one ZIP code, 38618, which simplifies mailing and delivery for residents. Additionally, the city is known for its commitment to preserving its historical roots while embracing modern agricultural practices.

ZIP codes for Coldwater, MS (1)

ZIP code	City	County	Map
38618	Coldwater	Tate	View map

Demographics & statistics

11,221

Population

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

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%
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	%
High blood pressure	44.9%
High cholesterol	38.6%
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	%
Binge drinking	13.2%
No physical activity	32.3%
Less than 7 hrs sleep	37.2%
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%
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

What ZIP codes does Coldwater, MS have?

Coldwater, MS has one ZIP code: 38618. Each ZIP code serves a distinct delivery area within the city and surrounding region.