Cold Spring, KY population, income and ZIP codes

Cold Spring city is a mid-size town in Kentucky, with 6,298 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #74 of 554 ranked by population — larger than 86% of them. The median age here is 52 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in Cold Spring city earn a median of $80,172 a year, 2.1% above the national figure of $78,538 and 45% above the $55,469 median for the 246 Kentucky cities we cover. This figure covers the household, not the worker: two people on ordinary wages at one address outrank a single professional in the same table. Poverty reaches 10.2% of residents here, below the 12.4% national rate.

The typical owner-occupied home in Cold Spring city is valued at $235,200, 22.5% below the national figure and 50% above the $157,200 peer median, while median gross rent runs $1,185 a month, 15.7% below the national figure, or roughly $14,220 across a full year. A household on the local median income would put about 17.7% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 2.9×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 87.6% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

A median age of 52 puts Cold Spring city well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages.

No figure on this page is estimated by us; each one comes straight from the published ACS tables for this area. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.