Coldstream, KY demographics:
population, income, and more

Total population
1,331
4.9% year-over-year change
Median household income
$109,226/yr
13.3% year-over-year change
Housing units
477
0.8% year-over-year change

Coldstream population

How many people live in Coldstream

Coldstream is home to 1,331 residents, according to the most recent Census data. Gender-wise, 49.4% of Coldstream locals are male, and 50.6% are female.

Total population
1,331
4.9% year-over-year change
Gender ratio
Male
49.4%
658
Female
50.6%
673
Value Percent YoY change
Male 658 49.4% 7.3%
Female 673 50.6% 2.6%
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 Coldstream is 37, with the population distributed as follows: about 20.7% are children under 15, then 8.2% are in the 15 to 24 age group. Adults between 25 and 44 make up 31.6% of the population, while another 25% fall into the 45 to 64 bracket. Finally, around 14.5% are 65 or older.

Median age
37.3
Age breakdown
Under 15
20.7%
15 to 24
8.2%
25 to 44
31.6%
45 to 64
25%
Over 65
14.5%
Value Percent YoY change
Under 15 276 20.7% -3.8%
15 to 24 109 8.2% -9.2%
25 to 44 420 31.6% 6.9%
45 to 64 333 25% 7.4%
Over 65 193 14.5% 21.4%
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 Coldstream, 85.9% of the population are US-born citizens, while 9% have gained naturalized citizenship. At the same time, 5.1% of residents are non-citizens. As for race, 60.9% of locals are Caucasian, 20.1% are African American and 8.9% have Asian roots. There’s also a share of 8.7% that includes residents with two or more races.

Citizenship
U.S.-born citizens
85.9%
Non-U.S.-born citizens
9%
Non-citizens
5.1%
Value Percent YoY change
U.S.-born citizens 1,143 85.9% 6.7%
Non-U.S.-born citizens 120 9% -2.4%
Non-citizens 68 5.1% -9.3%
Racial breakdown
White
60.9%
Black or African American
20.1%
American Indian and Alaska Native
0%
Asian
8.9%
Native Hawaiian and other Pacific Islander
0%
Two or more races
8.7%
Other
1.4%
Value Percent
White 811 60.9%
Black or African American 267 20.1%
Asian 118 8.9%
Two or more races 116 8.7%
Other 19 1.4%

Households in Coldstream

A peek inside Coldstream households

Coldstream has 477 households, with an average of 3 members in each. Of these, 74.2% are families, while the remaining 25.8% are made up of individuals living alone or with non-relatives, such as roommates.

Households stats

Total households
477
0.8% year-over-year change
Average people per household
3
Non-family households
123
Family households
354
Value Percent YoY change
Non-family households 123 25.8% 0.8%
Family households 354 74.2% 0.8%
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 Coldstream

The housing landscape of Coldstream

Coldstream's housing consists of 477 units, with 98.3% being detached single-family homes ideal for those wanting space.

Housing units
477
0.8% year-over-year change
Housing types
Value Percent
1 unit, detached 469 98.3%
2 units 3 0.6%
5 to 9 units 5 1%
Homes built since 2020
0
% year-over-year change

The age of buildings in Coldstream

In Coldstream, the median construction year is 1991. Most development happened in the second half of the 20th century.

Construction year breakdown by decade
Value Percent YoY change
Built between 1950 and 1959 15 3.1% -16.7%
Built between 1960 and 1969 9 1.9% -47.1%
Built between 1970 and 1979 98 20.6% 25.6%
Built between 1980 and 1989 113 23.7% 59.1%
Built between 1990 and 1999 55 11.5% -14.1%
Built between 2000 and 2009 89 18.7% -33.1%
Built between 2010 and 2019 98 20.6% 6.5%
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.

Coldstream occupancy rates

Out of the 477 occupied housing units in Coldstream, 82% are owner-occupied, while 18% are lived in by tenants.

Occupied housing units
477
0.8% year-over-year change
Occupancy breakdown
Renter occupied
86
Owner occupied
391
Value Percent YoY
change
Renter occupied 86 18% -10.4%
Owner occupied 391 82% 3.7%
Unoccupied housing units
0.0%
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.

Coldstream housing costs

Housing costs in Coldstream come to a median of $1,674 per month, while tenants specifically pay a median gross rent of $2,313.

Median housing costs per month
$1,674/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 Coldstream
$2,313/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 Coldstream

Coldstream education at a glance

About 20.7% of the population in Coldstream went to high school, while 20.7% pursued college studies. Another 13.5% earned an associate degree and 27.1% hold a bachelor’s. Meanwhile, 17% went even further, earning a master’s or doctorate.

Education level
Value Percent YoY change
No high school 9 0.9% 50.0%
High school diploma 212 20.7% 18.4%
College diploma 212 20.7% -1.9%
Associate degree 138 13.5% 30.2%
Bachelor's degree 277 27.1% 13.5%
Graduate degree 174 17% 2.4%
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 Coldstream

How much people earn in Coldstream

The average annual household income in Coldstream was $121,919 in 2024, the most recent annual data available, according to the U.S. Census Bureau. This marked a +12.6% change from the previous year. At the same time, the median income stood at $109,226, reflecting a +13.3% shift over the same period.

Average household income in Coldstream
$121,919/year
12.6% year-over-year change
Median household income in Coldstream
$109,226/year
13.3% year-over-year change

Coldstream income by age

In Coldstream, households led by residents aged 25 to 44 — usually in the early to mid stages of their careers — have a median income of $143,214. Those with someone between 45 and 64 in charge, often well established professionally, earn $107,500 overall. Overall, 97.6% of the locals in this community live above the poverty line.

Income breakdown by age
Value YoY change
25 - 44 $143,214 26.6%
45 - 64 $107,500 6.2%
Over 65 $66,875 5.6%
Above poverty level
1,274
Below poverty level
32
Value Percent YoY
change
Above poverty level 1,274 97.6% 4.5%
Below poverty level 32 2.4% -8.6%

Average renter income in Coldstream

To get a better sense of what renters earn on average in Coldstream, their median household income was $91,146 according to 2022 Census data. In addition, the rent-to-income ratio in the area, at 30.5%, shows what portion of their earnings goes toward housing expenses.

Renter median household income
$91,146
Rent-to-income ratio
30.5%
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 Coldstream

Workforce and job types in Coldstream

The job market in Coldstream is powered by 733 working residents, spread across a range of industries and roles. 83.6% of the working population are employed in professional or administrative positions, while 16.4% are in hands-on or service-based jobs. Also, 4.1% run their own businesses, 67.3% are employed by private companies, and 12.4% work in the public sector.

Workforce demographics

Working population
733
5.0% year-over-year change
White collar
613
Blue collar
120
Value Percent YoY change
White collar 613 83.6% 4.4%
Blue collar 120 16.4% 8.1%
Employer type
Self employees
4.1%
Private companies
67.3%
Governmental workers
12.4%
Not for profit companies
16.2%
Value Percent YoY change
Self employees 30 4.1% 50.0%
Private companies 493 67.3% 11.5%
Governmental workers 91 12.4% -9.0%
Not for profit companies 119 16.2% -12.5%
Unemployment rate
0.8%
-33.3% year-over-year change

Available workforce

The unemployment rate in Coldstream stands at 0.8%, 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 Coldstream

How people get around in Coldstream

Commuting methods vary: 84.7% of residents travel by personal vehicle and 0.5% 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 636 84.7% 3.1%
Walk 4 0.5% 100.0%
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 Coldstream by zipcode?

Zipcode Population Number of households Median income Average income
40245 39,835 15,048 $122,948 $163,222

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FAQs about Coldstream demographics 

What is the total population of Coldstream?

Coldstream has a total population of 1,331 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 +4.9% compared to a year ago.

What is the gender ratio in Coldstream?

The gender ratio in Coldstream is as follows:
  • 49.4% males (658 residents)
  • 50.6% females (673 residents)

What is the median age in Coldstream?

The median age in Coldstream is 37.3.

What is the age distribution of the population in Coldstream?

The age distribution in Coldstream is as follows:
  • Under 15: 20.7% (276 residents)
  • Ages 15-24: 8.2% (109 residents)
  • Ages 25-44: 31.6% (420 residents)
  • Ages 45-64: 25% (333 residents)
  • Over 65: 14.5% (193 residents)

What is the racial and ethnic makeup of Coldstream?

The racial and ethnic makeup of Coldstream is as follows:
  • White: 60.9% (811 residents)
  • Black or African American: 20.1% (267 residents)
  • American Indian and Alaska Native: 0% (0 residents)
  • Asian: 8.9% (118 residents)
  • Native Hawaiian and Other Pacific Islander: 0% (0 residents)
  • Two or More Races: 8.7% (116 residents)
  • Other: 1.4% (19 residents)

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

U.S.-born citizens represent 85.9% of the population in Coldstream.

How many housing units are there in Coldstream?

There are 477 housing units in Coldstream, reflecting a +0.8% change compared to the previous year, according to the latest data from the U.S. Census Bureau.

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

Coldstream has a total of 477 households, with an average of 3 people in each.

What is the median household income in Coldstream?

Coldstream has a median household income of $109,226, representing a +13.3% shift from the previous year, according to the U.S. Census Bureau.

What is the employment rate and job market overview for Coldstream?

The employment rate is 99.2% in Coldstream, with a workforce of 733 residents. Here’s a detailed breakdown of the local job market:

Job types:
  • White-collar workers: 83.6% (613 residents)
  • Blue-collar workers: 16.4% (120 residents)

Places of employment:
  • Self-employed: 4.1% (30 residents)
  • Private companies: 67.3% (493 residents)
  • Governmental workers: 12.4% (91 residents)
  • Not-for-profit companies: 16.2% (119 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