Below Average CostVery SafeTate County School District
Coldwater MS 008 · Thomas R Machnitzki (thomas@machnitzki.com) / CC BY 3.0Coldwater MS 001 · Thomas R Machnitzki (thomas@machnitzki.com) / CC BY 3.0Coldwater MS 013 · Thomas R Machnitzki (thomas@machnitzki.com) / CC BY 3.0Coldwater MS 012 · Thomas R Machnitzki (thomas@machnitzki.com) / CC BY 3.0
Coldwater is a small town of 1,237 in Mississippi, with a median household income of $38,883
and a 3.1% unemployment rate.
Its cost of living index is 92 (US average = 100), which is
8% below the national average.
Strengths:
Coldwater stands out for an affordable cost of living, below-average home prices, solid school ratings (B-), short average commutes.
Trade-offs:
No major red flags stand out in the available data. Whether Coldwater is right for you depends on your priorities — the full breakdown is below.
All Coldwater city data on this page comes from official government sources —
the US Census Bureau, FBI, NCES, BEA, and NOAA — updated annually.
Cost of Living
Index: 92.4
Coldwater's overall cost of living index is 92.4,
where 100 represents the US national average.
Living in Coldwater costs roughly 8% less than the average American city.
Metric
Coldwater, MS
National Avg
Median Home Value
$87,000
$244,900
Median Monthly Rent
$897
$1,163
Homeownership Rate
66.1%
65.9%
Median Household Income
$38,883
$74,755
Crime & Safety
Very Safe
Coldwater's violent crime rate is 166.0 per 100,000 residents
— 56% lower than the national average of ~380 per 100,000.
Violent Crime
166.0 /100k
Property Crime
911.0 /100k
Vertical marker = national average. Source: FBI UCR Program.
Schools & Education
Coldwater is served primarily by Tate County School District.
The student-to-teacher ratio is 13.2:1
(better than the national average of ~16:1).
Metric
Coldwater, MS
National Avg
School District
Tate County School District
—
Elementary Schools
3
—
Middle Schools
N/A
—
High Schools
3
—
Student/Teacher Ratio
13.2:1
16:1
Bachelor's Degree or Higher
10.9%
35.4%
High School Diploma or Higher
85.4%
91.1%
Weather & Climate
Coldwater sees average highs of 51.6°F in January
and 91.3°F in July,
with 57.9 inches of annual precipitation
and 0.4 inches of snow per year.
Coldwater's cost of living index is 92, where 100 is the national average.
That makes Coldwater roughly 8% less expensive than a typical US city — a meaningful affordability advantage.
The median home price is $87,000 and median rent is $897/month.
Coldwater's violent crime rate is 166.0 per 100,000 residents — the national average is ~380 per 100,000. Property crime is 911.0 per 100,000 (national avg ~2,100). Data from the FBI Uniform Crime Reporting Program.
Public schools in Coldwater are operated by Tate County School District.
The district has 3 elementary, several middle, and 3 high schools.
The student-to-teacher ratio is 13.2:1. 10.9% of adults 25+ hold a bachelor's degree or higher.
Coldwater, MS has a population of 1,237, a median household income of $38,883, and an unemployment rate of 3.1%.
It offers below-average costs of living, which stretches take-home pay further than in most American cities. Whether it's right for you depends on your priorities — use the compare tool above to stack it against another city you're considering.
Coldwater averages 51.6°F in January and 91.3°F in July. Annual rainfall is 57.9 inches
with about 0.4 inches of snow per year.
Based on NOAA 30-year climate normals (1991–2020).
The population of Coldwater, Mississippi is 1,237 with a median age of 40.7. Source: US Census ACS 5-Year Estimates.
Key numbers for living in Coldwater: cost of living index 92 (100 = US average), median home $87,000, median household income $38,883, crime index 44 (100 = US average, lower is safer), schools rated B-. Whether these are benefits or drawbacks depends on where you're coming from — compare Coldwater side by side with your current city to see the trade-offs.
