Waterford, Mississippi.
Typical home $183,820 (+1.7% in a year). Memphis, TN-MS-AR metro.
to buy the typical home at today's mortgage rate — +$416 (+76%) since Feb 2021.
- 1 year
- Up $3,116 +2%
- $180,704$183,820 since Sep 2025
- 5 years
- Up $12,668 +7%
- $171,152$183,820 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Waterford$965
- Mississippi$1,021
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 49 years.
Typical home values in Waterford, MS rose 1.7% over the past year — faster than the nation's +1.2%.
Living in Waterford, Marshall County, Mississippi
Waterford, in Marshall County, had 112 people in the 2020 census. Unemployment in Marshall County was 3.8% in August 2026, and the county had 3.6% more jobs in 2025 than the year before. The most people in Marshall County work in schools and health care, then transport and warehouses.
Written by AI Claude Haiku 5.5 wrote this on 22 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Waterford is a small community in Marshall County, in the northern part of Mississippi, where people live close to one another. The town feels quiet and settled. Winters are the coldest part of the year, with little snow, and summers are warm, and rain falls often enough to keep the land green.
Work. Many residents work in schools, hospitals and social care, or in transport, warehouses and utilities. Manufacturing and shops also employ people here, and jobs in Marshall County grew over the past year.
Things to do. Wall Doxey State Park, a protected area, is in or beside town. A short drive away are Graceland Too, a museum, and the Tippah River, a river that is also a short drive away.
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What people in Marshall County work in
Employed residents by industry, from the Census survey. Marshall County had 11,694 jobs in 2025, 3.6% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 50° and lows near 29°; warmest in July, with highs near 90° and lows near 68°. About 2 inches of snow and 58 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Holly Springs North weather station, 12 miles away (NOAA).
Largest workplaces in Marshall County
- AmazonGeneral warehousing and storage1,547
- Volvo Group Truck OperationsMotor vehicle parts and accessories, new, merchant wholesalers545
- Marshall CO School DistSchool district424FTE
- Filtration Holly SpringsFilter manufacturer345
- AmazonGeneral warehousing and storage342
- Mineral Wool ManufacturingMineral wool products manufacturing280
- ABB Installation ProductGeneral warehousing and storage277
- Corelle Brands197
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 34 workplaces with 20 or more staff, 5,253 people in all across the county; Waterford has none of its own. School districts come from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- TornadoesVery high
- LightningRelatively high
- Heat wavesRelatively high
- Cold wavesRelatively high
- LandslidesRelatively moderate
- EarthquakesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Waterford’s census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Marshall County and the Memphis, TN-MS-AR metro.
Waterford home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Waterford$183,820
- Mississippi$194,531
- United States$366,157
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Zip codes with a Waterford address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Waterford — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.