Cold Spring, KY
Population 6,298 · Kentucky
About Cold Spring, KY
Cold Spring is a small town located in Kentucky with a population of 6,298 residents according to the latest US Census Bureau American Community Survey data. The median household income is $80,172 per year, which is 7% above the national median of $75,149. The median age of 52 years is notably older the US median age of 38.9 years, suggesting a more established community with a higher proportion of long-term residents.
Housing Market Overview
The housing market in Cold Spring features a median home value of $235,200, which is 4% below the national median of $244,900. This positions Cold Spring in a moderately priced market relative to the rest of the country. Median monthly rent is $1,185, 2% above the national average of $1,163/month. Of the 3,069 total housing units, 88% are owner-occupied (2,622 units) and 12% are renter-occupied (372 units). The high homeownership rate suggests a stable, established residential community.
Economy & Employment
The local economy in Cold Spring shows an unemployment rate of 2.1%, which is lower than the national rate of 3.7%, indicating a relatively strong job market. The poverty rate stands at 10.2%, below the national average of 12.4%, reflecting generally favorable economic conditions. Workers in Cold Spring have an average one-way commute time of 20.7 minutes.
Education & Demographics
40.6% of Cold Spring residents aged 25 and older hold a bachelor's degree or higher, compared to the national average of 33.7%. This is in line with national trends in educational attainment. The community's demographic composition includes 0.4% White, 0.7% Hispanic or Latino, 0.3% Black or African American, and 0.7% Asian residents, with 3.7% of the population being foreign-born.
Cost of Living in Cold Spring, KY
Compared to national averages, Cold Spring has a median household income of $80,172 (7% above the national median of $75,149). Home values average $235,200, which is 4% below the national median. Monthly rent at $1,185 is 2% above the US average of $1,163. Within Kentucky, Cold Spring's income is 21% above the state average of $66,273, and home values are 29% above the state median of $182,504.
Why Live in Cold Spring, KY?
Cold Spring offers a strong local economy with a median household income of $80,172, well above the national average, and affordable housing with a median home value of $235,200, below the US average of $244,900, and a strong job market with an unemployment rate of just 2.1%. Additionally, the city features a well-educated community where 40.6% of residents hold a bachelor’s degree or higher, and a low poverty rate of 10.2%, better than the national average, and short commute times averaging just 20.7 minutes.
Cold Spring has a population of 6,298 with a median age of 52 years. Compare Cold Spring with other cities to see how it stacks up, or explore all cities in Kentucky.
Similar Cities Near Cold Spring
Cities in Kentucky with a similar population size.
| City | Population | Median Income | Home Value | |
|---|---|---|---|---|
| Crestwood | 6,275 | $101,086 | $315,100 | Compare |
| Princeton | 6,242 | $51,875 | $89,700 | Compare |
| Lebanon | 6,364 | $39,483 | $130,100 | Compare |
| Cynthiana | 6,412 | $49,817 | $154,700 | Compare |
| Leitchfield | 6,434 | $47,168 | $156,700 | Compare |
| Highland Heights | 6,531 | $52,437 | $148,600 | Compare |
| Wilmore | 6,031 | $64,245 | $210,700 | Compare |
| Hebron | 6,637 | $101,980 | $216,400 | Compare |
Demographics
Racial & Ethnic Composition
Economy & Education
Housing
Other Cities in Kentucky
Data source: US Census Bureau ACS 5-Year Estimates. Last updated: 2026-04-05.
Compare Cold Spring With Other Cities
Frequently Asked Questions about Cold Spring
What is the population of Cold Spring, KY?
The population of Cold Spring, KY is 6,298 according to the latest US Census Bureau American Community Survey estimates. This makes it a small town in Kentucky.
What is the median household income in Cold Spring?
The median household income in Cold Spring, KY is $80,172 per year, which is 7% above the national median of $75,149.
What is the median home value in Cold Spring?
The median home value in Cold Spring, KY is $235,200, which is 4% below the national median of $244,900. The majority of housing units are owner-occupied.
What is the average rent in Cold Spring?
The median monthly rent in Cold Spring, KY is $1,185, which is 2% above the national average of $1,163/month.
What is the unemployment rate in Cold Spring?
The unemployment rate in Cold Spring, KY is 2.1%, compared to the national average of 3.7%. This lower-than-average rate suggests a relatively healthy local job market.
Is Cold Spring, KY a good place to live?
Cold Spring offers above-average incomes, affordable housing, and a strong job market. With a population of 6,298 and a median age of 52, the city appeals to established professionals and retirees.
How educated is Cold Spring, KY?
40.6% of residents in Cold Spring aged 25 and older hold a bachelor's degree or higher, compared to the national average of 33.7%. This above-average educational attainment often reflects a knowledge-based local economy.
What is the cost of living in Cold Spring?
Key cost-of-living indicators for Cold Spring, KY: median home value is $235,200 (4% below national), median rent is $1,185/month, and median household income is $80,172. The home-value-to-income ratio is 2.9x, indicating relatively affordable housing relative to local incomes.
What is the poverty rate in Cold Spring?
The poverty rate in Cold Spring, KY is 10.2%, compared to the national average of 12.4%. This below-average poverty rate reflects generally favorable economic conditions in the community.
How diverse is Cold Spring, KY?
Cold Spring's population is 0.4% White, 0.7% Hispanic or Latino, 0.3% Black or African American, 0.7% Asian, and 2.4% two or more races. 3.7% of residents are foreign-born.