Cold Spring Harbor, NY

New York · Metropolitan Area

Cold Spring Harbor is a small town in New York with a population of 3,123. Residents earn $250,001 per year, which is 233% above the national average.

4.5 /5.0
A+ Excellent
3,123 Population 916/sq mi density
$250,001 Median Income $92,489 per capita
$1,466,800 Home Value $1,675,311 Zillow
N/A Median Rent
53°F Avg Temperature
A+
Overall
4.5 / 5.0
Excellent overall score based on economy, affordability, safety and education
A+
Economy
5.0 / 5.0
$250,001 median income, 1.4% unemployment
B
Affordability
3.4 / 5.0
$1,466,800 home value
A+
Education
5.0 / 5.0
77.7% bachelor's degree or higher
Median Income $250,001
233% higher than US avg
Home Value $1,466,800
420% higher than US avg
Bachelor's+ 77.7%
131% higher than US avg
Obesity Rate 24.7%
23% lower than US avg
Unemployment 1.4%
61% lower than US avg
Poverty Rate 1.9%
85% lower than US avg

How Cold Spring Harbor Compares to the U.S. Average (100% = U.S. avg)

People

Population3,123
Median Age36.8 yrs
Density916/mi²
Male / Female53% / 47%
Largest GroupWhite 89%

Economy

A+
Median Income$250,001
Per Capita$92,489
Unemployment1.4%
Poverty1.9%
County GDP$130,222M
Commute36 min

Housing

B
Home Value$1,466,800
RentN/A
OwnershipN/A
Zillow$1,675,311

Crime

ViolentN/A
PropertyN/A

Health

Obesity24.7%
UninsuredN/A
Depression16.7%
Heart Disease3.6%

Climate

Avg Temp53°F
AQI36 (Good)
Rain48.5 in/yr

Education

A+
Bachelor's+77.7%
High School+97.8%
School Score5.39

Community

2024 VoteR 52% / D 48%
Commute36 min
Libraries63

Is Cold Spring Harbor a Good Place to Live?

Based on current data, Cold Spring Harbor receives an overall livability score of 4.5 out of 5.0, earning a grade of A+. Key strengths include above-average household incomes, low unemployment, a highly educated population, a low poverty rate. Areas to be aware of include high housing costs, long commute times. Cold Spring Harbor stands out as an excellent place to live, with strong marks across most quality-of-life indicators.

Economy & Jobs

The median household income in Cold Spring Harbor is $250,001, which is significantly higher than the national average — 233% above $75,149. This places Cold Spring Harbor among higher-income communities. The job market is very strong with unemployment at just 1.4%. Only 1.9% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 36 minutes, longer than the typical American commute of 28 minutes.

Cost of Living & Housing

The median home value in Cold Spring Harbor is $1,466,800, making it a premium housing market at 420% above the U.S. median of $281,900. The price-to-income ratio of 5.9x means housing costs are stretched relative to local earnings.

Education

Cold Spring Harbor is a highly educated community — 77.7% of adults hold a bachelor's degree or higher, well above the national average of 33.7%. 97.8% have completed high school. Area schools have an average test score of 5.4/10.

Climate & Weather

Cold Spring Harbor experiences four distinct seasons with an average temperature of 53°F. Winters average 31°F in January while summers reach 75°F in July. Annual precipitation totals 48.5 inches. Air quality is rated Good with a median AQI of 36.

Cold Spring Harbor has a population of 3,123 with a density of 916 people per square mile. The median age is 36.8 years, 5% younger than the national median of 38.9. The city is predominantly White (88.5%).

Population

3,123
Total Population
916
People / sq mi
36.8yrs
Median Age
5% below US avg
3.4mi²
Land Area

Gender Distribution

Male 52.8%
Female 47.2%

Race & Ethnicity

Cold Spring Harbor vs U.S. Average

Language Spoken at Home

English Only86.6%
10% above US avg
Spanish13.4%
0% below US avg

Social Characteristics

Cold Spring Harbor vs U.S. Average

The median household income in Cold Spring Harbor is $250,001, which is 233% above the national average of $75,149. The unemployment rate is 1.4% (below the 3.6% US average). 1.9% of residents live below the poverty line. Workers commute an average of 36 minutes.

Income: Cold Spring Harbor vs U.S.

Commute Mode

Income

Median HH Income$250,001
233% above US avg
Per Capita Income$92,489
Avg Weekly Wage$1,489
IRS Avg AGI$139,155

Employment & Poverty

Unemployment1.4%
61% below US avg
Poverty Rate1.9%
85% below US avg
Establishments (County)56,397
County GDP$130,222M

Business (County)

Restaurants3,828
Healthcare6,152
Retail5,602
Manufacturing820

Tax & Cost of Living

Property Tax (IRS)$15,590
345% above US avg
Effective Tax Rate1.06%

Commute & Transportation

Commute Time36.3 min
Work from Home25.5%

Walkability

The median home value in Cold Spring Harbor is $1,466,800, 420% above the national average. Zillow estimates the typical home value at $1,675,311.

Home Value Sources

Ownership Split

Home Values

Census Median$1,466,800
420% above US avg
Zillow ZHVI$1,675,311
Median List Price$2,325,000

Real Estate Market (Redfin)

Median List Price$2,325,000
$/Sq Ft$562
Homes Sold2
Sale-to-List Ratio98.5%
Price Drops0.0%
Inventory6

Rental Costs

HUD Fair Market Rent

Studio$1,215
1 Bedroom$1,315
2 Bedrooms$1,579
3 Bedrooms$1,976
4 Bedrooms$2,193

Ownership & Property

Owner-Occupied96.3%

Property Tax

Avg Tax (IRS)$15,590
345% above US avg
Effective Rate1.06%
In Cold Spring Harbor, 24.7% of adults are obese (below the 32.1% national rate). 16.7% report depression. 14.4% are physically inactive.

Health Metrics: Cold Spring Harbor vs U.S. Average (%)

Chronic Conditions

Obesity24.7%
23% below US avg
Diabetes5.8%
Heart Disease3.6%
High Blood Pressure23.6%
Asthma9.7%
COPD3.0%
Stroke1.8%

Behaviors & Mental Health

Binge Drinking20.4%
Physical Inactivity14.4%
Depression16.7%
Mental Distress12.9%
Physical Distress8.1%

Healthcare Access

Insurance Rate98.6%
Checkup Rate80.3%
Premature Death4,800/100K

Food & Exercise

Food Environment9.9/10
Exercise Access98.6%
Healthcare Facilities6,152

Crime Rates: Cold Spring Harbor vs U.S. Average (per 100,000)

Violent Crime

Property Crime

Traffic Safety

Fatal Crashes (County/yr)76

Safety Score

Cold Spring Harbor has an average annual temperature of 53°F (12°C). Winters average 31°F in January while summers reach 75°F in July. Annual precipitation is 48.5 inches. Air quality is rated Good with a median AQI of 36.

Temperature

31°F Jan (-0°C) 75°F Jul (24°C)
Annual Average53.0°F
2% below US avg
January Average31°F (-0°C)
July Average75°F (24°C)

Precipitation & Snow

Annual Rainfall48.5 inches
28% above US avg

Air Quality

AQI Median36.0
RatingGood

Geography

Area3.4 sq mi (8.8 km²)
Population Density916/sq mi
Coordinates40.8643°N, 73.4564°W
County FIPS36059
It is classified as Metro — 1 million+. 77.7% of residents hold a bachelor's degree or higher (131% above US avg). In the 2024 election, the county voted Republican by a 4.2-point margin.

2024 Presidential Election (County)

R 52.1%
D 47.9%

Winner: Republican by 4.2 points

Education

Bachelor's Degree+77.7%
131% above US avg
High School+97.8%
School Test Score5.39
A+ Education Grade (5.0/5.0)

Urban-Rural Classification

RUCC Code 1Metro — 1 million+
Population Density916/sq mi
Total Area3.4 sq mi

Infrastructure & Services

Public Libraries63
Healthcare Facilities6,152
Restaurants3,828
Retail Stores5,602

Safety & Disasters

Fatal Crashes (County/yr)76

Commute & Transportation

Avg Commute36.3 min
Work from Home25.5%

Nearby Cities

Laurel Hollow, NY 1,880 pop · 1.2 mi Oyster Bay Cove, NY 2,067 pop · 2.6 mi Halesite, NY 2,348 pop · 2.7 mi Huntington, NY 20,117 pop · 2.8 mi Huntington Station, NY 33,283 pop · 3.0 mi Woodbury, NY 11,437 pop · 3.2 mi West Hills, NY 5,138 pop · 3.3 mi Huntington Bay, NY 1,853 pop · 3.6 mi Oyster Bay, NY 6,900 pop · 3.9 mi East Norwich, NY 2,703 pop · 3.9 mi
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