At a Glance
Median Income
$72,022
$33,780 per capita
Home Value
$242,000
Zillow: $363,626
Median Rent
$1,297/mo
35.2% of income on rent
Bachelor's Degree+
29.1%
92.3% high school+
Unemployment
3.8%
7.4% poverty rate
Obesity Rate
35.0%
13.4% smoking rate
How Cold Spring Compares to the U.S. Average
Each bar shows Cold Spring's value as a percentage of the national average (100% = U.S. avg)
Thin vertical line = U.S. national average (100%)
Is Cold Spring a Good Place to Live?
A
4.1 / 5.0 - Great
Based on economy, affordability, safety, and education metrics compared to national averages.
Economy & Jobs
Cold Spring residents earn a median household income of $72,022 , which is 4% below the national average of $75,149.
Per capita income is $33,780. The unemployment rate stands at 3.8% (6% above the U.S. rate of 3.6%). 7.4% of residents live below the poverty line. The area is home to 4,733 business establishments, including 391 restaurants.
Housing & Cost of Living
The median home value in Cold Spring is $242,000 , 14% below the national median of $281,900.
Zillow estimates the typical home at $363,626. Median rent is $1,297/month, with 35.2% of renters spending more than 30% of income on housing. The cost of living index is 98.6 (100 = national average). The median home was built in 1986.
Education
29.1% of adults in Cold Spring hold a bachelor's degree or higher
(14% below the national average).
92.3% have completed high school. Local schools score 6.2/10 in standardized testing.
Climate & Weather
Cold Spring has an average annual temperature of 44°F (6°C).
Winters average 12°F in January while summers reach 71°F in July. Annual precipitation totals 31.0 inches. Air quality is rated Good with a median AQI of 39.
Data Overview
People
Population4,201
Median Age40.9 yrs
Density1,500/mi²
Male / Female48% / 52%
Foreign Born5.2%
Veterans6.0%
Economy
A
Median Income$72,022
Per Capita$33,780
Unemployment3.8%
Poverty7.4%
County GDP$12,618M
Avg Weekly Wage$1,198
Housing
A+
Home Value$242,000
Rent$1,297
Ownership68.9%
Zillow$363,626
Housing Units1,705
Rent Burden35.2%
Health
Obesity35.0%
Diabetes8.1%
Smoking13.4%
Heart Disease4.8%
Premature Death6,211/100K
Climate
Avg Temp44°F
Rain31.0 in/yr
AQI39 (Good)
Elevation1,097 ft
Education
B
Bachelor's+29.1%
High School+92.3%
Graduate+7.4%
School Score6.2/10
Community
2024 VoteR 62% / D 36%
Commute22 min
Broadband84.3%
Internet Speed128 Mbps
EV Stations3
Libraries10
Did You Know?
The median home in Cold Spring was built in 1986.
The nearest airport is St Cloud Regional (19 miles).
The Gini coefficient (income inequality) is 0.431 (U.S. avg: 0.490).
Natural hazard risk is rated "Relatively Moderate" by FEMA.
10.7% of the population has a disability.
Average internet download speed is 128 Mbps.
There are 391 restaurants in the area.
The county recorded 10 fatal vehicle crashes.