Median home value in zip code 38618 (Coldwater, MS) is $233,693, up 3.9% year over year. Part of the Memphis, TN-MS-AR metropolitan area.

Home Value$233,693

YoY Change

+3.9%

Prices rising — worse for buyers.

Affordability

Enter your income for 38618 (Coldwater).

Income (annual)

Down Payment

$46,739 on $233,693

Example: $75,000 household income. Change it above to see your own.

Affordable26.1% of income

Under the 28% guideline.

PITI$1,633

P/I26.1%

Afford$250K

Room+$17K

P&I $1,182Tax $218Ins $233

6.50% 30yr, 20% down, county tax + MS ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Metro Analysis

38618 is part of the Memphis, TN-MS-AR metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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