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Cold Spring, MN

Full City Profile · Minnesota · Stearns County County

3.3 /5.0
B Good
4,201 Population 1,500/sq mi density
$72,022 Median Income $33,780 per capita
$242,000 Home Value $362,947 Zillow
$1,297 Median Rent 35.2% income on rent
43°F Avg Temperature 270 sunny days/yr
70 Violent Crime/100K 1,264 property/100K
B
Overall
3.3 / 5.0
Good overall score based on economy, affordability, safety and education
A
Economy
4.2 / 5.0
$72,022 median income, 2.7% unemployment
A+
Affordability
4.8 / 5.0
$242,000 home value, $1,297/mo rent
F
Safety
1.0 / 5.0
70 violent crimes/100K
B
Education
3.3 / 5.0
29.1% bachelor's degree or higher

Cold Spring, MN

At a Glance

Median Income
$72,022
4% below
$33,780 per capita
Home Value
$242,000
14% below
Zillow: $362,947
Median Rent
$1,297/mo
12% above
35.2% of income on rent
Violent Crime
70/100K
82% below
1,264/100K property
Bachelor's Degree+
29.1%
14% below
92.3% high school+
Unemployment
2.7%
25% below
7.4% poverty rate
Obesity Rate
35.0%
9% above
13.4% smoking rate
Avg Temperature
43°F
270 sunny days/yr

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)

Income
96%
Home Value
86%
Rent
112%
Poverty
60%
Bachelor's
86%
Unemployment
75%
Crime
18%
Thin vertical line = U.S. national average (100%)

Is Cold Spring a Good Place to Live?

B
3.3 / 5.0 — Good
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 2.7% (25% below 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 $362,947. 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.

Safety & Crime

Cold Spring reports 70 violent crimes per 100,000 residents , which is 82% below the national average of 380/100K. Property crime is 1,264/100K.

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 43°F (6°C). Winters average 11°F in January while summers reach 70°F in July. The area gets 270 sunny days per year. Annual precipitation totals 30.8 inches. Air quality is rated Good with a median AQI of 36.

Data Overview

People

Population4,201
Median Age40.9 yrs
Density1,500/mi²
Male / Female48% / 52%
Foreign Born13.6%
Veterans6.0%

Economy

A
Median Income$72,022
Per Capita$33,780
Unemployment2.7%
Poverty7.4%
County GDP$12,618M
Avg Weekly Wage$1,198

Housing

A+
Home Value$242,000
Rent$1,297
Ownership68.9%
Zillow$362,947
Housing Units1,705
Rent Burden35.2%

Crime

F
Violent70/100K
Property1,264/100K

Health

Obesity35.0%
Diabetes8.1%
Smoking13.4%
Heart Disease4.8%
Premature Death6,211/100K

Climate

Avg Temp43°F
Sunny Days270/yr
Rain30.8 in/yr
AQI36 (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.
12.6% of the population has a disability.
13.6% of residents are foreign-born.
Average internet download speed is 128 Mbps.
There are 391 restaurants in the area.
The county recorded 10 fatal vehicle crashes.