Rent in Coldwater, MS
A 2-bedroom in Coldwater, MS (ZIP 38618) typically rents for about $1,060 a month, with a range of $950–$1,170. Owner-occupied homes in Tate County pay about 0.65% of their value a year in property tax, and the 30-year fixed mortgage rate averaged 7.32% in the week of Oct 22, 2026.
Rent by bedrooms
| Size | Typical | Range across ZIPs | ZIPs |
|---|---|---|---|
| Studio | $890 | $836–$890 | 1 |
| 1 bed | $900 | $842–$900 | 1 |
| 2 beds | $1,060 | $950–$1,170 | 1 |
| 3 beds | $1,245 | $1,080–$1,410 | 1 |
| 4 beds | $1,540 | $1,447–$1,540 | 1 |
Typical = median of each ZIP's best guess. Gross rent (rent plus tenant-paid utilities). Sources: HUD Small Area Fair Market Rents (Oct 1, 2026), Census ACS 5-year median gross rent (Dec 31, 2024) and HUD county Fair Market Rents (Oct 1, 2026).
Coldwater ZIP codes
2 bedsFrequently asked questions
- What is the average rent for a 2-bedroom in Coldwater, MS?
- About $1,060 a month: the median of the typical rents in 1 ZIP code, which range from $950–$1,170. Figures are gross rent (rent plus tenant-paid utilities).
- What is the average rent for a 1-bedroom in Coldwater, MS?
- About $900 a month: the median of the typical rents in 1 ZIP code, which range from $842–$900. Figures are gross rent (rent plus tenant-paid utilities).
- What is the average rent for a 3-bedroom in Coldwater, MS?
- About $1,245 a month: the median of the typical rents in 1 ZIP code, which range from $1,080–$1,410. Figures are gross rent (rent plus tenant-paid utilities).
- What is the average rent for a studio in Coldwater, MS?
- About $890 a month: the median of the typical rents in 1 ZIP code, which range from $836–$890. Figures are gross rent (rent plus tenant-paid utilities).
- What is the average rent for a 4-bedroom in Coldwater, MS?
- About $1,540 a month: the median of the typical rents in 1 ZIP code, which range from $1,447–$1,540. Figures are gross rent (rent plus tenant-paid utilities).
- What is the property tax rate in Coldwater, MS?
- Owner-occupied homes in Tate County pay a typical 0.65% of their value a year (Census ACS, median taxes paid ÷ median home value, Dec 31, 2024). Investors often pay more after a purchase: the home is reassessed at the sale price and there is no homestead exemption.
- What is the current 30-year mortgage rate?
- The 30-year fixed rate averaged 7.32% in the week of Oct 22, 2026 (Freddie Mac PMMS via FRED). It's a national average for owner-occupied loans; investment property loans usually cost more.
- Where do these Coldwater rent figures come from?
- HUD Small Area Fair Market Rents (Oct 1, 2026), Census ACS 5-year median gross rent (Dec 31, 2024) and HUD county Fair Market Rents (Oct 1, 2026).