Cold Spring, KY demographics:
population, income, and more

Total population
6,341
0.7% year-over-year change
Median household income
$75,000/yr
-6.5% year-over-year change
Housing units
3,072
0.1% year-over-year change

Cold Spring population

How many people live in Cold Spring

Cold Spring is home to 6,341 residents, according to the most recent Census data. Gender-wise, 44.8% of Cold Spring locals are male, and 55.2% are female.

Total population
6,341
0.7% year-over-year change
Gender ratio
Male
44.8%
2,844
Female
55.2%
3,497
Value Percent YoY change
Male 2,844 44.8% 4.7%
Female 3,497 55.2% -2.4%
A higher population often means more rental variety and livelier areas. The gender balance—how many men live here compared to women—can reveal a lot about the community and the lifestyles of its residents. Use this info to get a sense of the area's pace and personality.

Age demographics

The median age in Cold Spring is 52, with the population distributed as follows: about 11.4% are children under 15, then 9.4% are in the 15 to 24 age group. Adults between 25 and 44 make up 21.4% of the population, while another 27.5% fall into the 45 to 64 bracket. Finally, around 30.3% are 65 or older.

Median age
52
Age breakdown
Under 15
11.4%
15 to 24
9.4%
25 to 44
21.4%
45 to 64
27.5%
Over 65
30.3%
Value Percent YoY change
Under 15 724 11.4% -1.5%
15 to 24 594 9.4% -6.8%
25 to 44 1,356 21.4% 10.0%
45 to 64 1,745 27.5% -7.0%
Over 65 1,922 30.3% 5.8%
The age composition helps you get insight into who lives in the area. A younger population might mean a more active, fast-paced vibe, while an older one could suggest a quieter, slower lifestyle. If there's a balanced makeup, you’re likely to find a variety of services, housing types, and community spaces that cater to different life stages.

Racial makeup

In Cold Spring, 96.4% of the population are US-born citizens, while 1.7% have gained naturalized citizenship. At the same time, 1.9% of residents are non-citizens. As for race, 94.5% of locals are Caucasian, 2.2% are African American and 0.8% have Asian roots. There’s also a share of 2.5% that includes residents with two or more races.

Citizenship
U.S.-born citizens
96.4%
Non-U.S.-born citizens
1.7%
Non-citizens
1.9%
Value Percent YoY change
U.S.-born citizens 6,116 96.4% 0.8%
Non-U.S.-born citizens 105 1.7% -19.2%
Non-citizens 120 1.9% 17.6%
Racial breakdown
White
94.5%
Black or African American
2.2%
American Indian and Alaska Native
0%
Asian
0.8%
Native Hawaiian and other Pacific Islander
0%
Two or more races
2.5%
Other
0%
Value Percent
White 5,993 94.5%
Black or African American 137 2.2%
Asian 54 0.8%
Two or more races 157 2.5%

Households in Cold Spring

A peek inside Cold Spring households

Cold Spring has 2,996 households, with an average of 2 members in each. Of these, 67.1% are families, while the remaining 32.9% are made up of individuals living alone or with non-relatives, such as roommates.

Households stats

Total households
2,996
0.1% year-over-year change
Average people per household
2
Non-family households
985
Family households
2,011
Value Percent YoY change
Non-family households 985 32.9% -7.3%
Family households 2,011 67.1% 4.1%
The mix between family and non-family households gives a glimpse into daily life. A higher percentage of families might mean more parks and schools, while more non-family setups can mean flexible housing and diverse living styles. For renters, this can signal what kinds of homes are common and can help you figure out if the area matches your lifestyle.

Housing in Cold Spring

The housing landscape of Cold Spring

Cold Spring's housing consists of 3,072 units, with 51.3% being detached single-family homes ideal for those wanting space. Attached options, including duplexes and townhouses, make up 23.8% and offer a more compact, shared living style.

Housing units
3,072
0.1% year-over-year change
Housing types
Value Percent
1 unit, detached 1,576 51.3%
1 unit, attached 730 23.8%
2 units 29 0.9%
3 or 4 units 166 5.4%
5 to 9 units 309 10.1%
10 to 19 units 167 5.4%
20 to 49 units 79 2.6%
50 or more units 16 0.5%
Homes built since 2020
0
% year-over-year change

The age of buildings in Cold Spring

In Cold Spring, the median construction year is 1999. About 3.8% of homes were built before the 1940s, with another 0.9% going up by 1949. Most development happened in the second half of the 20th century.

Construction year breakdown by decade
Value Percent YoY change
Built in 1939 or earlier 117 3.8% -18.2%
Built between 1940 and 1949 28 0.9% -24.3%
Built between 1950 and 1959 158 5.1% 2.6%
Built between 1960 and 1969 277 9% 18.9%
Built between 1970 and 1979 217 7.1% 5.3%
Built between 1980 and 1989 270 8.8% -3.6%
Built between 1990 and 1999 545 17.7% 4.4%
Built between 2000 and 2009 1,179 38.4% -4.5%
Built between 2010 and 2019 281 9.2% 8.1%
As a renter, knowing when homes were built helps you understand the potential condition and design of rental units. Newer builds may have more contemporary layouts, while older homes can offer character or larger lots, depending on the area.

Cold Spring occupancy rates

Out of the 2,996 occupied housing units in Cold Spring, 89% are owner-occupied, while 11% are lived in by tenants. Meanwhile, 2.5% of all homes on the local market sit vacant.

Occupied housing units
2,996
0.1% year-over-year change
Occupancy breakdown
Renter occupied
328
Owner occupied
2,668
Value Percent YoY
change
Renter occupied 328 11% -11.8%
Owner occupied 2,668 89% 1.8%
Unoccupied housing units
2.5%
Unoccupied housing units refer to homes that are currently without residents—whether they're waiting for renters or owners, used seasonally, or simply unclaimed. A higher share of empty homes may mean more housing availability, while a low number can reflect a tighter market with more competition. This, along with the renter-vs.-owner mix, helps paint a clearer picture of what types of housing and services are likely to be available in the area.

Cold Spring housing costs

Housing costs in Cold Spring come to a median of $1,220 per month, while tenants specifically pay a median gross rent of $1,191.

Median housing costs per month
$1,220/month
This figure sums up typical monthly housing costs for all households in the area. If you own, it includes mortgage payments in addition to property taxes, insurance and HOA fees. If you rent, it accounts for rent plus extras like utilities. It’s useful for seeing how local living expenses stack up compared to other places.
Median gross rent in Cold Spring
$1,191/month
Gross rent gives a more complete look at what renters actually pay, including not just base rent, but also utilities and fees. It’s a key number for evaluating rental affordability in your area of interest and understanding how it compares to nearby locations.

Education in Cold Spring

Cold Spring education at a glance

About 26.3% of the population in Cold Spring went to high school, while 22% pursued college studies. Another 6.4% earned an associate degree and 24.5% hold a bachelor’s. Meanwhile, 17.5% went even further, earning a master’s or doctorate.

Education level
Value Percent YoY change
No high school 174 3.3% 8.1%
High school diploma 1,407 26.3% -6.9%
College diploma 1,175 22% -0.8%
Associate degree 343 6.4% 5.5%
Bachelor's degree 1,308 24.5% 1.7%
Graduate degree 934 17.5% 9.6%
A community’s education mix can offer insights into the local economy and housing market. Higher levels of education often align with more job opportunities and stable incomes, which can increase demand for homes and influence both rent prices and rental availability.

Income in Cold Spring

How much people earn in Cold Spring

The average annual household income in Cold Spring was $109,534 in 2024, the most recent annual data available, according to the U.S. Census Bureau. This marked a -2.9% change from the previous year. At the same time, the median income stood at $75,000, reflecting a -6.4% shift over the same period.

Average household income in Cold Spring
$109,534/year
-2.9% year-over-year change
Median household income in Cold Spring
$75,000/year
-6.5% year-over-year change

Cold Spring income by age

In Cold Spring, households led by residents aged 25 to 44 — usually in the early to mid stages of their careers — have a median income of $94,969. Those with someone between 45 and 64 in charge, often well established professionally, earn $91,591 overall. Overall, 90% of the locals in this community live above the poverty line.

Income breakdown by age
Value YoY change
25 - 44 $94,969 13.1%
45 - 64 $91,591 -1.7%
Over 65 $63,447 -8.4%
Above poverty level
5,591
Below poverty level
620
Value Percent YoY
change
Above poverty level 5,591 90% 0.3%
Below poverty level 620 10% -2.2%

Average renter income in Cold Spring

To get a better sense of what renters earn on average in Cold Spring, their median household income was $45,436 according to 2022 Census data. In addition, the rent-to-income ratio in the area, at 31.5%, shows what portion of their earnings goes toward housing expenses.

Renter median household income
$45,436
Rent-to-income ratio
31.5%
Understanding the rent-to-income ratio can help renters gauge if local housing costs align with their earnings. A ratio under 30% usually signals affordability, while exceeding this mark means rent is taking a larger-than-recommended bite out of income. That could make it harder for you to cover other costs like transportation, healthcare, or child care.

Employment in Cold Spring

Workforce and job types in Cold Spring

The job market in Cold Spring is powered by 3,062 working residents, spread across a range of industries and roles. 87.1% of the working population are employed in professional or administrative positions, while 12.9% are in hands-on or service-based jobs. Also, 10.2% run their own businesses, 71.3% are employed by private companies, and 7.4% work in the public sector.

Workforce demographics

Working population
3,062
-3.2% year-over-year change
White collar
2,667
Blue collar
395
Value Percent YoY change
White collar 2,667 87.1% -1.4%
Blue collar 395 12.9% -13.8%
Employer type
Self employees
10.2%
Private companies
71.3%
Governmental workers
7.4%
Not for profit companies
11.2%
Value Percent YoY change
Self employees 311 10.2% 20.1%
Private companies 2,182 71.3% -3.9%
Governmental workers 226 7.4% -11.7%
Not for profit companies 343 11.2% -9.0%
Unemployment rate
2.0%
-8.8% year-over-year change

Available workforce

The unemployment rate in Cold Spring stands at 2%, representing the share of the workforce currently without a job and actively looking for one.

For renters, the unemployment rate helps paint a picture of job security and financial stability in the area. Rates around 4% to 5% are considered typical. A lower-than-average rate might suggest strong job prospects and a thriving local economy, while a higher rate could hint at fewer opportunities—both useful to consider when planning a move.

Transportation in Cold Spring

How people get around in Cold Spring

Commuting methods vary: 73.1% of residents travel by personal vehicle and 2% prefer to walk, while the remaining share relies on public transit or on two wheelers to get from A to B.

Means of transportation
Value Percent YoY change
Car 2,239 73.1% -8.6%
Bus or trolleybus 44 1.4% 37.5%
Walk 60 2% -9.1%
Understanding how locals get to work can help you plan your own routine. High car usage might mean you’ll need a vehicle, while strong public transit or walkability could save you the hassle. Commute times also play a big role in quality of life—shorter trips can give you more time for the things you enjoy.

What is the median and average household income in Cold Spring by zipcode?

Zipcode Population Number of households Median income Average income
41076 17,158 7,268 $73,283 $103,828

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FAQs about Cold Spring demographics 

What is the total population of Cold Spring?

Cold Spring has a total population of 6,341 residents, according to the latest release from the U.S. Census Bureau: the 2019-2023 American Community Survey (ACS) 5-year estimates. This figure changed by +0.7% compared to a year ago.

What is the gender ratio in Cold Spring?

The gender ratio in Cold Spring is as follows:
  • 44.8% males (2,844 residents)
  • 55.2% females (3,497 residents)

What is the median age in Cold Spring?

The median age in Cold Spring is 52.

What is the age distribution of the population in Cold Spring?

The age distribution in Cold Spring is as follows:
  • Under 15: 11.4% (724 residents)
  • Ages 15-24: 9.4% (594 residents)
  • Ages 25-44: 21.4% (1,356 residents)
  • Ages 45-64: 27.5% (1,745 residents)
  • Over 65: 30.3% (1,922 residents)

What is the racial and ethnic makeup of Cold Spring?

The racial and ethnic makeup of Cold Spring is as follows:
  • White: 94.5% (5,993 residents)
  • Black or African American: 2.2% (137 residents)
  • American Indian and Alaska Native: 0% (0 residents)
  • Asian: 0.8% (54 residents)
  • Native Hawaiian and Other Pacific Islander: 0% (0 residents)
  • Two or More Races: 2.5% (157 residents)
  • Other: 0% (0 residents)

What percentage of the population in Cold Spring are U.S.-born citizens?

U.S.-born citizens represent 96.4% of the population in Cold Spring.

How many housing units are there in Cold Spring?

There are 3,072 housing units in Cold Spring, reflecting a +0.1% change compared to the previous year, according to the latest data from the U.S. Census Bureau.

How many households are in Cold Spring and what is the average household size?

Cold Spring has a total of 2,996 households, with an average of 2 people in each.

What is the median household income in Cold Spring?

Cold Spring has a median household income of $75,000, representing a -6.5% shift from the previous year, according to the U.S. Census Bureau.

What is the employment rate and job market overview for Cold Spring?

The employment rate is 98% in Cold Spring, with a workforce of 3,062 residents. Here’s a detailed breakdown of the local job market:

Job types:
  • White-collar workers: 87.1% (2,667 residents)
  • Blue-collar workers: 12.9% (395 residents)

Places of employment:
  • Self-employed: 10.2% (311 residents)
  • Private companies: 71.3% (2,182 residents)
  • Governmental workers: 7.4% (226 residents)
  • Not-for-profit companies: 11.2% (343 residents)

Data source & methodology

The demographic data on this page was sourced from the latest U.S. Census Bureau release—the 2019–2023 American Community Survey (ACS) 5-year estimates.

The information, issued annually, is compiled and published by the Point2Homes Research Team as soon as new data becomes available.

No representation, guarantee, or warranty is made concerning the accuracy or completeness of modified or aggregated information for particular areas.

Page last updated: September 2025