Coldwater, MS demographics:
population, income, and more

Total population
1,156
-10.6% year-over-year change
Median household income
$44,054/yr
6.2% year-over-year change
Housing units
596
-11.2% year-over-year change

Coldwater population

How many people live in Coldwater

Coldwater is home to 1,156 residents, according to the most recent Census data. Gender-wise, 40.8% of Coldwater locals are male, and 59.2% are female.

Total population
1,156
-10.6% year-over-year change
Gender ratio
Male
40.8%
472
Female
59.2%
684
Value Percent YoY change
Male 472 40.8% -2.7%
Female 684 59.2% -15.3%
A higher population often means more rental variety and livelier areas. The gender balance—how many men live here compared to women—can reveal a lot about the community and the lifestyles of its residents. Use this info to get a sense of the area's pace and personality.

Age demographics

The median age in Coldwater is 41, with the population distributed as follows: about 17% are children under 15, then 10.4% are in the 15 to 24 age group. Adults between 25 and 44 make up 26.3% of the population, while another 25.7% fall into the 45 to 64 bracket. Finally, around 20.7% are 65 or older.

Median age
41
Age breakdown
Under 15
17%
15 to 24
10.4%
25 to 44
26.3%
45 to 64
25.7%
Over 65
20.7%
Value Percent YoY change
Under 15 196 17% -11.7%
15 to 24 120 10.4% 1.7%
25 to 44 304 26.3% -4.7%
45 to 64 297 25.7% -24.0%
Over 65 239 20.7% -1.6%
The age composition helps you get insight into who lives in the area. A younger population might mean a more active, fast-paced vibe, while an older one could suggest a quieter, slower lifestyle. If there's a balanced makeup, you’re likely to find a variety of services, housing types, and community spaces that cater to different life stages.

Racial makeup

There’s also a share of 3.3% that includes residents with two or more races.

Citizenship
U.S.-born citizens
100%
Non-U.S.-born citizens
0%
Non-citizens
0%
Value Percent YoY change
U.S.-born citizens 1,156 100% -10.2%
Racial breakdown
White
18%
Black or African American
77.6%
American Indian and Alaska Native
0%
Asian
0%
Native Hawaiian and other Pacific Islander
0%
Two or more races
3.3%
Other
1.1%
Value Percent
White 208 18%
Black or African American 897 77.6%
Two or more races 38 3.3%
Other 13 1.1%

Households in Coldwater

A peek inside Coldwater households

Coldwater has 484 households, with an average of 2 members in each. Of these, 71.3% are families, while the remaining 28.7% are made up of individuals living alone or with non-relatives, such as roommates.

Households stats

Total households
484
-11.8% year-over-year change
Average people per household
2
Non-family households
139
Family households
345
Value Percent YoY change
Non-family households 139 28.7% -18.2%
Family households 345 71.3% -9.0%
The mix between family and non-family households gives a glimpse into daily life. A higher percentage of families might mean more parks and schools, while more non-family setups can mean flexible housing and diverse living styles. For renters, this can signal what kinds of homes are common and can help you figure out if the area matches your lifestyle.

Housing in Coldwater

The housing landscape of Coldwater

Coldwater's housing consists of 596 units, with 80.5% being detached single-family homes ideal for those wanting space. Then there are the multifamily buildings in the area, and for those seeking flexibility, non-traditional options like mobile homes account for 4% of the housing landscape.

Housing units
596
-11.2% year-over-year change
Housing types
Value Percent
1 unit, detached 480 80.5%
2 units 92 15.4%
Mobile home 24 4%
Homes built since 2020
6
100.0% year-over-year change

The age of buildings in Coldwater

In Coldwater, the median construction year is 1979. About 4% of homes were built before the 1940s, with another 2.7% going up by 1949. Most development happened in the second half of the 20th century. Then, 9.4% of homes were added from 2000 to 2009, 6% between 2010 and 2019, and 1% are part of the newest wave of development.

Construction year breakdown by decade
Value Percent YoY change
Built in 1939 or earlier 24 4% -17.2%
Built between 1940 and 1949 16 2.7% -23.8%
Built between 1950 and 1959 54 9.1% 20.0%
Built between 1960 and 1969 59 9.9% -27.2%
Built between 1970 and 1979 163 27.4% 0.0%
Built between 1980 and 1989 111 18.6% -35.1%
Built between 1990 and 1999 71 11.9% -15.5%
Built between 2000 and 2009 56 9.4% 16.7%
Built between 2010 and 2019 36 6% 38.5%
Built in 2020 or later 6 1% 100.0%
As a renter, knowing when homes were built helps you understand the potential condition and design of rental units. Newer builds may have more contemporary layouts, while older homes can offer character or larger lots, depending on the area.

Coldwater occupancy rates

Out of the 484 occupied housing units in Coldwater, 61.4% are owner-occupied, while 38.6% are lived in by tenants. Meanwhile, 18.8% of all homes on the local market sit vacant.

Occupied housing units
484
-11.8% year-over-year change
Occupancy breakdown
Renter occupied
187
Owner occupied
297
Value Percent YoY
change
Renter occupied 187 38.6% -11.4%
Owner occupied 297 61.4% -12.1%
Unoccupied housing units
18.8%
Unoccupied housing units refer to homes that are currently without residents—whether they're waiting for renters or owners, used seasonally, or simply unclaimed. A higher share of empty homes may mean more housing availability, while a low number can reflect a tighter market with more competition. This, along with the renter-vs.-owner mix, helps paint a clearer picture of what types of housing and services are likely to be available in the area.

Coldwater housing costs

Median housing costs per month
$731/month
This figure sums up typical monthly housing costs for all households in the area. If you own, it includes mortgage payments in addition to property taxes, insurance and HOA fees. If you rent, it accounts for rent plus extras like utilities. It’s useful for seeing how local living expenses stack up compared to other places.

Education in Coldwater

Coldwater education at a glance

About 66.1% of the population in Coldwater went to high school, while 15.9% pursued college studies. Another 9.6% earned an associate degree and 2.7% hold a bachelor’s. Meanwhile, 3.9% went even further, earning a master’s or doctorate.

Education level
Value Percent YoY change
No high school 17 1.8% -68.5%
High school diploma 615 66.1% -1.6%
College diploma 148 15.9% -1.3%
Associate degree 89 9.6% -19.1%
Bachelor's degree 25 2.7% -43.2%
Graduate degree 36 3.9% -26.5%
A community’s education mix can offer insights into the local economy and housing market. Higher levels of education often align with more job opportunities and stable incomes, which can increase demand for homes and influence both rent prices and rental availability.

Income in Coldwater

How much people earn in Coldwater

The average annual household income in Coldwater was $61,793 in 2024, the most recent annual data available, according to the U.S. Census Bureau. This marked a +2% change from the previous year. At the same time, the median income stood at $44,054, reflecting a +6.2% shift over the same period.

Average household income in Coldwater
$61,793/year
2.0% year-over-year change
Median household income in Coldwater
$44,054/year
6.2% year-over-year change

Coldwater income by age

Those with someone between 45 and 64 in charge, often well established professionally, earn $71,711 overall. Overall, 66.4% of the locals in this community live above the poverty line.

Income breakdown by age
Value YoY change
45 - 64 $71,711 31.6%
Over 65 $38,654 1.4%
Above poverty level
765
Below poverty level
388
Value Percent YoY
change
Above poverty level 765 66.4% -7.2%
Below poverty level 388 33.6% -16.7%

Average renter income in Coldwater

To get a better sense of what renters earn on average in Coldwater, their median household income was $24,792 according to 2022 Census data.

Renter median household income
$24,792
Rent-to-income ratio
0%
Understanding the rent-to-income ratio can help renters gauge if local housing costs align with their earnings. A ratio under 30% usually signals affordability, while exceeding this mark means rent is taking a larger-than-recommended bite out of income. That could make it harder for you to cover other costs like transportation, healthcare, or child care.

Employment in Coldwater

Workforce and job types in Coldwater

The job market in Coldwater is powered by 464 working residents, spread across a range of industries and roles. 66.2% of the working population are employed in professional or administrative positions, while 33.8% are in hands-on or service-based jobs.

Workforce demographics

Working population
464
-11.9% year-over-year change
White collar
307
Blue collar
157
Value Percent YoY change
White collar 307 66.2% -14.7%
Blue collar 157 33.8% -6.0%
Employer type
Self employees
0%
Private companies
77.2%
Governmental workers
19.8%
Not for profit companies
3%
Value Percent YoY change
Private companies 358 77.2% -10.5%
Governmental workers 92 19.8% -4.2%
Not for profit companies 14 3% -54.8%
Unemployment rate
5.3%
0.0% year-over-year change

Available workforce

The unemployment rate in Coldwater stands at 5.3%, representing the share of the workforce currently without a job and actively looking for one.

For renters, the unemployment rate helps paint a picture of job security and financial stability in the area. Rates around 4% to 5% are considered typical. A lower-than-average rate might suggest strong job prospects and a thriving local economy, while a higher rate could hint at fewer opportunities—both useful to consider when planning a move.

Transportation in Coldwater

How people get around in Coldwater

Commuting methods vary: 98.5% of residents travel by personal vehicle and 1.5% prefer to walk, while the remaining share relies on public transit or on two wheelers to get from A to B.

Means of transportation
Value Percent YoY change
Car 457 98.5% -12.1%
Walk 7 1.5% 250.0%
Understanding how locals get to work can help you plan your own routine. High car usage might mean you’ll need a vehicle, while strong public transit or walkability could save you the hassle. Commute times also play a big role in quality of life—shorter trips can give you more time for the things you enjoy.

What is the median and average household income in Coldwater by zipcode?

Zipcode Population Number of households Median income Average income
38618 9,866 4,369 $66,244 $82,374

Explore more communities

FAQs about Coldwater demographics 

What is the total population of Coldwater?

Coldwater has a total population of 1,156 residents, according to the latest release from the U.S. Census Bureau: the 2019-2023 American Community Survey (ACS) 5-year estimates. This figure changed by -10.6% compared to a year ago.

What is the gender ratio in Coldwater?

The gender ratio in Coldwater is as follows:
  • 40.8% males (472 residents)
  • 59.2% females (684 residents)

What is the median age in Coldwater?

The median age in Coldwater is 41.

What is the age distribution of the population in Coldwater?

The age distribution in Coldwater is as follows:
  • Under 15: 17% (196 residents)
  • Ages 15-24: 10.4% (120 residents)
  • Ages 25-44: 26.3% (304 residents)
  • Ages 45-64: 25.7% (297 residents)
  • Over 65: 20.7% (239 residents)

What is the racial and ethnic makeup of Coldwater?

The racial and ethnic makeup of Coldwater is as follows:
  • White: 18% (208 residents)
  • Black or African American: 77.6% (897 residents)
  • American Indian and Alaska Native: 0% (0 residents)
  • Asian: 0% (0 residents)
  • Native Hawaiian and Other Pacific Islander: 0% (0 residents)
  • Two or More Races: 3.3% (38 residents)
  • Other: 1.1% (13 residents)

What percentage of the population in Coldwater are U.S.-born citizens?

U.S.-born citizens represent 100% of the population in Coldwater.

How many housing units are there in Coldwater?

There are 596 housing units in Coldwater, reflecting a -11.2% change compared to the previous year, according to the latest data from the U.S. Census Bureau.

How many households are in Coldwater and what is the average household size?

Coldwater has a total of 484 households, with an average of 2 people in each.

What is the median household income in Coldwater?

Coldwater has a median household income of $44,054, representing a +6.2% shift from the previous year, according to the U.S. Census Bureau.

What is the employment rate and job market overview for Coldwater?

The employment rate is 94.7% in Coldwater, with a workforce of 464 residents. Here’s a detailed breakdown of the local job market:

Job types:
  • White-collar workers: 66.2% (307 residents)
  • Blue-collar workers: 33.8% (157 residents)

Places of employment:
  • Self-employed: 0% (0 residents)
  • Private companies: 77.2% (358 residents)
  • Governmental workers: 19.8% (92 residents)
  • Not-for-profit companies: 3% (14 residents)

Data source & methodology

The demographic data on this page was sourced from the latest U.S. Census Bureau release—the 2019–2023 American Community Survey (ACS) 5-year estimates.

The information, issued annually, is compiled and published by the Point2Homes Research Team as soon as new data becomes available.

No representation, guarantee, or warranty is made concerning the accuracy or completeness of modified or aggregated information for particular areas.

Page last updated: September 2025