Median Income
$72,022
4% lower than US avg
Home Value
$242,000
14% lower than US avg
Bachelor's+
29.1%
14% lower than US avg
Median Rent
$1,297
12% higher than US avg
Obesity Rate
35.0%
9% higher than US avg
Unemployment
2.7%
25% lower than US avg
Poverty Rate
7.4%
40% lower than US avg
How Cold Spring Compares to the U.S. Average (100% = U.S. avg)
People
Population4,201
Median Age40.9 yrs
Density1,500/mi²
Male / Female48% / 52%
Largest GroupWhite 94%
Economy
A
Median Income$72,022
Per Capita$33,780
Unemployment2.7%
Poverty7.4%
County GDP$12,618M
Commute22 min
Housing
A+
Home Value$242,000
Rent$1,297
OwnershipN/A
Zillow$362,947
Health
Obesity35.0%
UninsuredN/A
Depression25.7%
Heart Disease4.8%
Climate
Avg Temp43°F
AQI36 (Good)
Rain30.8 in/yr
Elevation1,097 ft
Education
B
Bachelor's+29.1%
High School+92.3%
School Score6.08
Community
2024 VoteR 62% / D 36%
Commute22 min
Libraries10
Is Cold Spring a Good Place to Live?
Based on current data, Cold Spring receives an overall livability score of 4.1 out of 5.0, earning a grade of A. Key strengths include low unemployment, affordable housing, a low poverty rate, high health insurance coverage. Cold Spring 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 is $72,022, roughly in line with the national average of $75,149. The job market is very strong with unemployment at just 2.7%. Only 7.4% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 22 minutes.
Cost of Living & Housing
The median home value in Cold Spring is $242,000, 14% below the national median — offering relatively affordable homeownership. Renters pay a median of $1,297 per month. A price-to-income ratio of 3.4x indicates a reasonably affordable housing market.
Education
29.1% of residents hold a bachelor's degree, below the national average of 33.7%. 92.3% have completed high school. Local schools score 6.1/10 in standardized testing, reflecting strong academic performance.
Climate & Weather
Cold Spring has a cool climate with an average annual temperature of 43°F. Winters average 11°F in January while summers reach 70°F in July. Annual precipitation totals 30.8 inches. Air quality is rated Good with a median AQI of 36.
Cold Spring has a population of 4,201 with a density of 1,500 people per square mile. The median age is 40.9 years, 5% older than the national median of 38.9. The city is predominantly White (94%).
Population
40.9yrs
Median Age
5% above US avg
Race & Ethnicity
Cold Spring vs U.S. Average
Language Spoken at Home
| English Only | 92.5% |
| 18% above US avg |
| Spanish | 7.5% |
| 44% below US avg |
Social Characteristics
Cold Spring vs U.S. Average
The median household income in Cold Spring is $72,022, which is 4% below the national average of $75,149. The unemployment rate is 2.7% (below the 3.6% US average). 7.4% of residents live below the poverty line. Workers commute an average of 22 minutes.
Income: Cold Spring vs U.S.
Income
| Median HH Income | $72,022 |
| 4% below US avg |
| Per Capita Income | $33,780 |
| Avg Weekly Wage | $1,198 |
| IRS Avg AGI | $79,564 |
Employment & Poverty
| Unemployment | 2.7% |
| 25% below US avg |
| Poverty Rate | 7.4% |
| 40% below US avg |
| Establishments (County) | 4,733 |
| County GDP | $12,618M |
Business (County)
| Restaurants | 391 |
| Healthcare | 529 |
| Retail | 642 |
| Manufacturing | 231 |
Tax & Cost of Living
| Property Tax (IRS) | $5,101 |
| 46% above US avg |
| Effective Tax Rate | 2.11% |
Commute & Transportation
| Commute Time | 22.0 min |
| Work from Home | 6.7% |
The median home value in Cold Spring is $242,000, 14% below the national average. Monthly rent averages $1,297 (12% above US avg). Zillow estimates the typical home value at $362,947.
Home Values
| Census Median | $242,000 |
| 14% below US avg |
| Zillow ZHVI | $362,947 |
| Median List Price | $329,950 |
Real Estate Market (Redfin)
| Median List Price | $329,950 |
| $/Sq Ft | $155 |
| Homes Sold | 5 |
| Sale-to-List Ratio | 96.3% |
| Price Drops | 28.6% |
| Inventory | 7 |
Rental Costs
| Census Median Rent | $1,297 |
| 12% above US avg |
HUD Fair Market Rent
| Studio | $809 |
| 1 Bedroom | $899 |
| 2 Bedrooms | $1,125 |
| 3 Bedrooms | $1,483 |
| 4 Bedrooms | $1,698 |
Ownership & Property
Property Tax
| Avg Tax (IRS) | $5,101 |
| 46% above US avg |
| Effective Rate | 2.11% |
In Cold Spring, 35.0% of adults are obese (above the 32.1% national rate). 25.7% report depression. 20.5% are physically inactive.
Health Metrics: Cold Spring vs U.S. Average (%)
Chronic Conditions
| Obesity | 35.0% |
| 9% above US avg |
| Diabetes | 8.1% |
| Heart Disease | 4.8% |
| High Blood Pressure | 26.0% |
| Asthma | 10.0% |
| COPD | 4.7% |
| Stroke | 2.6% |
Behaviors & Mental Health
| |
| Binge Drinking | 21.0% |
| Physical Inactivity | 20.5% |
| Depression | 25.7% |
| Mental Distress | 16.4% |
| Physical Distress | 10.8% |
Healthcare Access
| Insurance Rate | 95.8% |
| |
| Checkup Rate | 72.6% |
| Premature Death | 6,211/100K |
Food & Exercise
| Food Environment | 8.5/10 |
| Exercise Access | 77.6% |
| Healthcare Facilities | 529 |
Crime Rates: Cold Spring vs U.S. Average (per 100,000)
Traffic Safety
| Fatal Crashes (County/yr) | 10 |
Safety Score
Cold Spring has an average annual temperature of 43°F (6°C). Winters average 11°F in January while summers reach 70°F in July. Annual precipitation is 30.8 inches. Air quality is rated Good with a median AQI of 36.
Temperature
11°F Jan (-12°C)
70°F Jul (21°C)
| Annual Average | 42.5°F |
| 21% below US avg |
| January Average | 11°F (-12°C) |
| July Average | 70°F (21°C) |
Precipitation & Snow
| Annual Rainfall | 30.8 inches |
| 19% below US avg |
Air Quality
| AQI Median | 36.0 |
| Rating | Good |
Geography
| Elevation | 1,097 ft (334 m) |
| Area | 2.8 sq mi (7.3 km²) |
| Population Density | 1,500/sq mi |
| Coordinates | 45.4583°N, 94.4282°W |
| County FIPS | 27145 |