Coldwater, MS · standard
ZIP Code 38618
Tate County, Mississippi - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 12,031
- 24/sq mi Moderate-density area
- $66,244
- Median income Near-median income area
- $183,500
- Median home value Near-median home value
- 15.8%
- Bachelor's or higher Below-average bachelor's attainment
National ZIP placement
Coldwater pairs a below-median household income with below-median home values, in a rural, homeowner-dominated area.
- 40th pct
- household income, US ZIPs
- 39th pct
- home value, US ZIPs
- 24
- people per sq mi
- 83%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 38618 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 38618 (Coldwater, MS) rose +3.3% from 2023 to 2024. The all-transactions index moved from 216.5 in 2023 to 223.6 in 2024 (2000 = 100).
ZIP code 38618 is a mid-sized community (a standard USPS delivery area) in Coldwater, Tate County, Mississippi, home to 12,031 residents across 495.1 square miles, a density of 24 people per square mile, in the Chicago time zone.
ZIP 38618 reports a modest median household income of $66,244 (26% above the average Mississippi ZIP), while per-capita income is $36,746. The poverty rate is 13.9%, with unemployment at 4.4%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $183,500 (36% above the average Mississippi ZIP), while 83.3% of occupied homes are owner-occupied and median rent is $1,035.
Educational attainment sits below the national norm: 15.8% of adults hold a bachelor's degree or higher, the median age is 46.6, and the average commute is 32 minutes. The page also surfaces 2 ZIP codes within roughly 10 miles and 2 more in Tate County, so 38618 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 38618
Top 5 sectors by establishment count in Coldwater, MS
Which industries have the most business establishments in ZIP 38618.
- Other services (except public administration)
Other services (except public administration)
22 establishments
- Construction
Construction
11 establishments
- Retail trade
Retail trade
10 establishments
- Transportation and warehousing 8
Transportation and warehousing
8 establishments
- Accommodation and food services 8
Accommodation and food services
8 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 38618, Coldwater, MS · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
12,031
Population
495.1
Area (sq mi)
24
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 38618?
46.6
Median Age
49.8%
Male
50.2%
Female
2.0%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$66,244
Median Household Income
+26% vs state ZIP avg
$36,746
Per Capita Income
13.9%
Poverty Rate
4.4%
Unemployment Rate
31.9 min
Mean Commute Time
How ZIP 38618 ranks among Mississippi ZIPs
Coldwater, MS household income vs. every Mississippi ZIP code
Median household income among 377 reporting Mississippi ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$66,244 Top 19% higher than 81% of 377 Mississippi ZIPs
Each bar is a $20K-wide band; taller bars hold more Mississippi ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
4,779housing units
4,779
Total Housing Units
4,369
Occupied Units
410
Vacant Units
2.26
Avg Household Size
Occupancy Type
$183,500
Median Home Value
+36% vs state ZIP avg
$1,035
Median Rent
1991
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
+3.3%
YoY Change (2024)
224
HPI Index (2000 = 100)
+124%
Total Change Since 2000
Home values in ZIP 38618 have increased 3.3% over the past year (2024). Since 2000, this ZIP has seen +124% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +4.0% | 153 |
| 2021 | +7.4% | 165 |
| 2022 | +12.7% | 186 |
| 2023 | +16.6% | 216 |
| 2024 | +3.3% | 224 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 97 business establishments in ZIP 38618, employing approximately 602 people with a combined annual payroll of $27,001,000.
97
Businesses
602
Employees
$27.0M
Annual Payroll
13
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Other services (except public administration) | 22 | 22.7% |
| Construction | 11 | 11.3% |
| Retail trade | 10 | 10.3% |
| Transportation and warehousing | 8 | 8.3% |
| Accommodation and food services | 8 | 8.3% |
| Health care and social assistance | 7 | 7.2% |
| Administrative and support and waste management and remediation services | 6 | 6.2% |
| Professional, scientific, and technical services | 5 | 5.2% |
| Manufacturing | 4 | 4.1% |
| Finance and insurance | 4 | 4.1% |
| Utilities | 3 | 3.1% |
| Wholesale trade | 3 | 3.1% |
| Information | 3 | 3.1% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 38618 vs 38668 →
ZIP 38618 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 38632
Hernando (38632)
24,377 residents
- 38668
Senatobia (38668)
14,462 residents
- 38618
Coldwater (38618)
12,031 residents
What this shows Among its immediate neighbors, ZIP 38618 ranks #3 by population - useful context the national average alone can't give.
ZIP 38618 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 38632
Hernando (38632)
$93,583 median income
- 38668
Senatobia (38668)
$71,827 median income
- 38618
Coldwater (38618)
$66,244 median income
What this shows By household income, ZIP 38618 ranks #3 of 3 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 38618, both outside MS so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (12,031 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Tate County
Related Areas
Frequently Asked Questions
What county is ZIP code 38618 in?
ZIP code 38618 (Coldwater) is located in Tate County, Mississippi. Tate County contains multiple ZIP codes, see the full list at /counties/tate-ms.
What is the population of ZIP code 38618?
ZIP code 38618 in Coldwater, MS has a population of 12,031 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 38618?
The median household income in ZIP 38618 is $66,244, which is 13% below the national average of $76,288.
What is the average home value in ZIP 38618?
The median home value in ZIP 38618 is $183,500, which is 34% below the national average of $278,155.
What is the demographic makeup of ZIP 38618?
The largest racial group in ZIP 38618 is White at 68.3%. Hispanic or Latino residents make up 6.3% of the population.
How many businesses are in ZIP code 38618?
ZIP code 38618 has 97 business establishments employing approximately 602 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 38618?
The top industries by establishment count in ZIP 38618 are: Other services (except public administration) (22), Construction (11), Retail trade (10). There are 13 industry sectors represented in total.
How have home values changed in ZIP code 38618?
According to the FHFA House Price Index, home values in ZIP 38618 increased by 3.3% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 124%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 38618?
In ZIP code 38618, 55.4% of residents aged 25+ have a high school diploma or higher, and 15.8% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 38618?
The mean commute time for workers in ZIP code 38618 is 31.9 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 38618?
In ZIP code 38618, approximately 83.3% of occupied housing units are owner-occupied and 16.7% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 38618?
The poverty rate in ZIP code 38618 is 13.9% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 38618's numbers, next.
- See how ZIP 38618 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Coldwater, MS ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.