What is the population of Cold Spring city?

Cold Spring city has 4,201 residents on Census ACS 2019-2023 ACS 5-year estimates, ranking #173 of 914 in Minnesota.

What is the median household income in Cold Spring city?

Median household income in Cold Spring city is $72,022 a year, 8.3% below the national figure of $78,538.

How much does it cost to rent or buy in Cold Spring city?

Median gross rent is $1,297 a month and the median home value is $242,000, so rent absorbs about 21.6% of median household income.

Is Cold Spring city affordable compared with the rest of the US?

Homes cost about 3.4× the local median income here versus roughly 3.9× nationally, so Cold Spring city is more affordable to buy in than the typical US market, and rent takes 21.6% of median income against the 30% cost-burden line.

Aerial view of a dense city center, illustrating the US cities ZIP code directory

Minnesota · Census place 12484

Cold Spring, MN population, income and ZIP codes

Quick answer

The population of the city of Cold Spring, Minnesota (Cold Spring, MN — Census place “Cold Spring city”) is 4,201 residents, ranking #173 of 914 places in Minnesota. Median household income is $72,022, the median home is worth $242,000 and median gross rent runs $1,297 a month. Looking for the Cold Spring Minnesota ZIP code list? 1 ZIP codes serve Cold Spring, MN: 56320.

Population: 4,201Cold Spring city residents
Median household income: $72,022Past 12 months, inflation adjusted
Median home value: $242,000Owner-occupied units
Median gross rent: $1,297Rent plus utilities, monthly
Median age: 40.9 yrsAll residents
Homeownership rate: 68.9%Owner-occupied households

Cold Spring ZIP codes (Minnesota)

Census ZCTAs whose delivery area overlaps Cold Spring.

The Cold Spring MN ZIP code list below covers 1 ZIP code. Open any one for its population, income, housing and rent profile.

56320

What the numbers mean in Cold Spring city

Housing cost measured against local earnings.

A household earning the Cold Spring city median would spend about 21.6% of gross income on the median rent. The 30% mark is the federal threshold for cost burden, so anything above it signals a stretched rental market. The median home costs 3.4× the median household income; nationally that ratio sits near 4.5×. Poverty affects 9.9% of residents and 68.9% of households own their home.

Source: US Census Bureau, ACS 2019-2023 5-year estimates · rates as published for 2019-2023 ACS 5-year

Cold Spring city, MN in context

How this area compares with national benchmarks.

Cold Spring city is a small town in Minnesota, with 4,201 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #173 of 914 ranked by population — larger than 81% of them. The median age here is 40.9 years against 39.1 nationally, a slightly older profile than the country as a whole. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in Cold Spring city earn a median of $72,022 a year, 8.3% below the national figure of $78,538 and 5% below the $75,469 median for the 361 Minnesota 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 9.9% of residents here, below the 12.4% national rate.

The typical owner-occupied home in Cold Spring city is valued at $242,000, 20.2% below the national figure and within a couple of points of the $240,400 peer median, while median gross rent runs $1,297 a month, 7.8% below the national figure, or roughly $15,564 across a full year. A household on the local median income would put about 21.6% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 3.4×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 68.9% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

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.

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Frequently asked questions

Common questions about this area.

What is the population of Cold Spring city?: Cold Spring city has 4,201 residents on Census ACS 2019-2023 ACS 5-year estimates, ranking #173 of 914 in Minnesota.
What is the median household income in Cold Spring city?: Median household income in Cold Spring city is $72,022 a year, 8.3% below the national figure of $78,538.
How much does it cost to rent or buy in Cold Spring city?: Median gross rent is $1,297 a month and the median home value is $242,000, so rent absorbs about 21.6% of median household income.
Is Cold Spring city affordable compared with the rest of the US?: Homes cost about 3.4× the local median income here versus roughly 3.9× nationally, so Cold Spring city is more affordable to buy in than the typical US market, and rent takes 21.6% of median income against the 30% cost-burden line.
How current is this Cold Spring city data?: All figures come from the US Census Bureau American Community Survey 2019-2023 ACS 5-year five-year estimates. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.