HomeMississippiTate CountyColdwater
Coldwater, Mississippi: commercial real estate data.
Coldwater is a Census town of 1,156 people across 2.37 square miles of land, in Tate County. Median household income is $44,054, 61.4 percent of occupied homes are owned, and the SBA record carries 1 7(a) approvals to borrowers here worth $150,000 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Coldwater
What Coldwater is
- Census place typetown
- Land area2.37 sq mi
- Water area0.01 sq mi
- Population per square mile of land487 plus or minus 133
- County holding the largest share of its areaTate County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Coldwater
How many people live in Coldwater
- Population1,156 plus or minus 316
- Median age41.0 plus or minus 14.3
- Population under 18226 plus or minus 101
- Share under 1819.6 percent plus or minus 6.9
- Population 65 and over239 plus or minus 80
- Share 65 and over20.7 percent
- Households484 plus or minus 135
- Family households345 plus or minus 118
- Share of households that are families71.3 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Coldwater
Income and work in Coldwater
- Median household income$44,054 plus or minus $15,528
- Per capita income$26,370 plus or minus $8,783
- Civilian labor force490 plus or minus 151
- Employed464 plus or minus 145
- Unemployed26 plus or minus 25
- Unemployment rate5.3 percent plus or minus 4.8
- Adults 25 and over840 plus or minus 215
- Adults 25 and over with a high school diploma or higher80.6 percent
- Adults 25 and over with a bachelor degree or higher7.3 percent plus or minus 5.0
- Adults 25 and over with a graduate degree4.3 percent plus or minus 4.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Coldwater
Housing in Coldwater
- Housing units596 plus or minus 143
- Occupied units484 plus or minus 135
- Vacant units112 plus or minus 60
- Vacancy rate18.8 percent plus or minus 9.0
- Owner occupied297 plus or minus 104
- Renter occupied187 plus or minus 75
- Ownership rate61.4 percent plus or minus 13.0
- Median owner-occupied home value$91,300
- Single family units480 plus or minus 122
- Share single family80.5 percent
- Units in buildings of two or more92 plus or minus 68
- Share in buildings of two or more15.4 percent plus or minus 10.9
- Mobile homes24 plus or minus 25
- Median year structure built1979
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Coldwater
How Coldwater gets to work
- Workers 16 and over who commute464 plus or minus 145
- Commuting under 15 minutes173 plus or minus 95
- Share commuting under 15 minutes37.3 percent plus or minus 16.8
- Commuting 30 minutes or more188 plus or minus 84
- Share commuting 30 minutes or more40.5 percent plus or minus 12.9
- Drove alone84.9 percent
- Carpooled13.6 percent plus or minus 9.2
- Public transport0.0 percent
- Walked1.5 percent plus or minus 2.3
- Worked from home0.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Coldwater
SBA loans in Coldwater (7(a))
- Approvals1
- Gross approval$150,000
- Average approval$150,000
- Median approval$150,000
- Largest approval$150,000
- Jobs supported22
- Jobs per approval22.0
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders1
- Distinct industries by NAICS1
Counted by borrower city: approvals to borrowers whose address is in Coldwater, in any county, FY2020 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Coldwater
Flood risk in Coldwater
- NFIP communityTown of Coldwater
- NFIP community number280265
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date10/02/13
The Town of Coldwater participates in the National Flood Insurance Program as community 280265 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Tate County, not Coldwater
Tate County context, not Coldwater figures
- Establishments in Tate County389
- Covered employment, Tate County6,361
- Average annual pay, Tate County$43,656
- Housing units permitted, Tate County114
Every figure in this section is published for Tate County as a whole and is not a measurement of Coldwater.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Coldwater questions, answered from the record.
How many people live in Coldwater, Mississippi?
1,156, in 484 households. Coldwater town covers 2.37 square miles of land, which is 487 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Coldwater in?
Tate County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Coldwater?
$44,054. The median owner-occupied home is valued at $91,300. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Coldwater businesses?
1 7(a) approvals totaling $150,000 since FY2020, across 1 lenders, median approval $150,000. These count approvals to borrowers whose address is in Coldwater, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Coldwater borrowers get paid back?
No rate is published for Coldwater. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Coldwater in the National Flood Insurance Program?
Yes. Coldwater appears in the FEMA Community Status Book as Coldwater, town of, community 280265, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Coldwater figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Tate County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Coldwater.
Is zoning published for Coldwater?
No. Nothing on this page presents parcel level zoning.
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