Cold Spring, Putnam County, NY demographics:
population, income, and more

Total population
1,863
-0.3% year-over-year change
Median household income
$117,292/yr
0.6% year-over-year change
Housing units
988
2.6% year-over-year change

Cold Spring population

How many people live in Cold Spring

Cold Spring is home to 1,863 residents, according to the most recent Census data. Gender-wise, 47.4% of Cold Spring locals are male, and 52.6% are female.

Total population
1,863
-0.3% year-over-year change
Gender ratio
Male
47.4%
884
Female
52.6%
979
Value Percent YoY change
Male 884 47.4% 1.3%
Female 979 52.6% -1.6%
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 Cold Spring is 43, with the population distributed as follows: about 13.6% are children under 15, then 6.6% are in the 15 to 24 age group. Adults between 25 and 44 make up 31.1% of the population, while another 25.8% fall into the 45 to 64 bracket. Finally, around 22.9% are 65 or older.

Median age
43
Age breakdown
Under 15
13.6%
15 to 24
6.6%
25 to 44
31.1%
45 to 64
25.8%
Over 65
22.9%
Value Percent YoY change
Under 15 254 13.6% -19.4%
15 to 24 123 6.6% -21.7%
25 to 44 579 31.1% 13.1%
45 to 64 480 25.8% -5.1%
Over 65 427 22.9% 13.0%
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, 90.7% of the population are US-born citizens, while 8.4% have gained naturalized citizenship. At the same time, 1% of residents are non-citizens. As for race, 86.5% of locals are Caucasian, 0.9% are African American and 2.2% have Asian roots. There’s also a share of 8.8% that includes residents with two or more races.

Citizenship
U.S.-born citizens
90.7%
Non-U.S.-born citizens
8.4%
Non-citizens
1%
Value Percent YoY change
U.S.-born citizens 1,689 90.7% -1.3%
Non-U.S.-born citizens 156 8.4% 13.0%
Non-citizens 18 1% 0.0%
Racial breakdown
White
86.5%
Black or African American
0.9%
American Indian and Alaska Native
0%
Asian
2.2%
Native Hawaiian and other Pacific Islander
0%
Two or more races
8.8%
Other
1.6%
Value Percent
White 1,612 86.5%
Black or African American 17 0.9%
Asian 40 2.2%
Two or more races 164 8.8%
Other 30 1.6%

Households in Cold Spring

A peek inside Cold Spring households

Cold Spring has 873 households, with an average of 2 members in each. Of these, 55.4% are families, while the remaining 44.6% are made up of individuals living alone or with non-relatives, such as roommates.

Households stats

Total households
873
4.5% year-over-year change
Average people per household
2
Non-family households
389
Family households
484
Value Percent YoY change
Non-family households 389 44.6% 23.5%
Family households 484 55.4% -6.9%
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 988 units, with 52.1% being detached single-family homes ideal for those wanting space. Attached options, including duplexes and townhouses, make up 7.4% and offer a more compact, shared living style.

Housing units
988
2.6% year-over-year change
Housing types
Value Percent
1 unit, detached 515 52.1%
1 unit, attached 73 7.4%
2 units 104 10.5%
3 or 4 units 100 10.1%
5 to 9 units 131 13.3%
10 to 19 units 12 1.2%
20 to 49 units 37 3.7%
50 or more units 16 1.6%
Homes built since 2020
0
% year-over-year change

The age of buildings in Cold Spring

In Cold Spring, the median construction year is 1958. About 40.7% of homes were built before the 1940s, with another 5.5% 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 402 40.7% -2.4%
Built between 1940 and 1949 54 5.5% 5.9%
Built between 1950 and 1959 49 5% -25.8%
Built between 1960 and 1969 75 7.6% -17.6%
Built between 1970 and 1979 163 16.5% 0.6%
Built between 1980 and 1989 79 8% 102.6%
Built between 1990 and 1999 33 3.3% 0.0%
Built between 2000 and 2009 54 5.5% -14.3%
Built between 2010 and 2019 79 8% 71.7%
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 873 occupied housing units in Cold Spring, 65% are owner-occupied, while 35% are lived in by tenants. Meanwhile, 11.6% of all homes on the local market sit vacant.

Occupied housing units
873
4.5% year-over-year change
Occupancy breakdown
Renter occupied
306
Owner occupied
567
Value Percent YoY
change
Renter occupied 306 35% 1.7%
Owner occupied 567 65% 6.2%
Unoccupied housing units
11.6%
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 $2,029 per month, while tenants specifically pay a median gross rent of $1,777.

Median housing costs per month
$2,029/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
$1,777/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 14.1% of the population in Cold Spring went to high school, while 12.9% pursued college studies. Another 5.6% earned an associate degree and 37.9% hold a bachelor’s. Meanwhile, 28.3% went even further, earning a master’s or doctorate.

Education level
Value Percent YoY change
No high school 18 1.2% 38.5%
High school diploma 221 14.1% 4.2%
College diploma 202 12.9% -7.3%
Associate degree 87 5.6% 10.1%
Bachelor's degree 593 37.9% 9.6%
Graduate degree 443 28.3% 2.8%
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 $154,156 in 2024, the most recent annual data available, according to the U.S. Census Bureau. This marked a +2.6% change from the previous year. At the same time, the median income stood at $117,292, reflecting a +0.6% shift over the same period.

Average household income in Cold Spring
$154,156/year
2.6% year-over-year change
Median household income in Cold Spring
$117,292/year
0.6% 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 $169,073. Those with someone between 45 and 64 in charge, often well established professionally, earn $135,714 overall. Overall, 95.4% of the locals in this community live above the poverty line.

Income breakdown by age
Value YoY change
25 - 44 $169,073 -3.2%
45 - 64 $135,714 -1.0%
Over 65 $83,929 0.2%
Above poverty level
1,748
Below poverty level
84
Value Percent YoY
change
Above poverty level 1,748 95.4% 4.9%
Below poverty level 84 4.6% -48.8%

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 $51,875 according to 2022 Census data. In addition, the rent-to-income ratio in the area, at 41.1%, shows what portion of their earnings goes toward housing expenses.

Renter median household income
$51,875
Rent-to-income ratio
41.1%
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 1,043 working residents, spread across a range of industries and roles. 90.5% of the working population are employed in professional or administrative positions, while 9.5% are in hands-on or service-based jobs. Also, 17.8% run their own businesses, 56.5% are employed by private companies, and 14% work in the public sector.

Workforce demographics

Working population
1,043
3.3% year-over-year change
White collar
944
Blue collar
99
Value Percent YoY change
White collar 944 90.5% 0.2%
Blue collar 99 9.5% 45.6%
Employer type
Self employees
17.8%
Private companies
56.5%
Governmental workers
14%
Not for profit companies
11.7%
Value Percent YoY change
Self employees 186 17.8% -8.4%
Private companies 589 56.5% 5.2%
Governmental workers 146 14% 10.6%
Not for profit companies 122 11.7% 6.1%
Unemployment rate
6.0%
26.9% year-over-year change

Available workforce

The unemployment rate in Cold Spring stands at 6%, 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

In Cold Spring, the average commute time is 51 minutes. Commuting methods vary: 45.3% of residents travel by personal vehicle and 5.8% prefer to walk, while the remaining share relies on public transit or on two wheelers to get from A to B.

Commute time
51 min
Means of transportation
Value Percent YoY change
Car 439 45.3% 27.2%
Subway or elevated 13 1.3% N/A
Railroad 244 25.2% -3.6%
Walk 56 5.8% -38.5%
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
10516 5,362 2,213 $140,225 $186,552

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FAQs about Cold Spring demographics 

What is the total population of Cold Spring?

Cold Spring has a total population of 1,863 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 -0.3% compared to a year ago.

What is the gender ratio in Cold Spring?

The gender ratio in Cold Spring is as follows:
  • 47.4% males (884 residents)
  • 52.6% females (979 residents)

What is the median age in Cold Spring?

The median age in Cold Spring is 43.

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

The age distribution in Cold Spring is as follows:
  • Under 15: 13.6% (254 residents)
  • Ages 15-24: 6.6% (123 residents)
  • Ages 25-44: 31.1% (579 residents)
  • Ages 45-64: 25.8% (480 residents)
  • Over 65: 22.9% (427 residents)

What is the racial and ethnic makeup of Cold Spring?

The racial and ethnic makeup of Cold Spring is as follows:
  • White: 86.5% (1,612 residents)
  • Black or African American: 0.9% (17 residents)
  • American Indian and Alaska Native: 0% (0 residents)
  • Asian: 2.2% (40 residents)
  • Native Hawaiian and Other Pacific Islander: 0% (0 residents)
  • Two or More Races: 8.8% (164 residents)
  • Other: 1.6% (30 residents)

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

U.S.-born citizens represent 90.7% of the population in Cold Spring.

How many housing units are there in Cold Spring?

There are 988 housing units in Cold Spring, reflecting a +2.6% 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 873 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 $117,292, representing a +0.6% 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 94% in Cold Spring, with a workforce of 1,043 residents. Here’s a detailed breakdown of the local job market:

Job types:
  • White-collar workers: 90.5% (944 residents)
  • Blue-collar workers: 9.5% (99 residents)

Places of employment:
  • Self-employed: 17.8% (186 residents)
  • Private companies: 56.5% (589 residents)
  • Governmental workers: 14% (146 residents)
  • Not-for-profit companies: 11.7% (122 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