View in Interactive Map

Cold Spring, NY—10516

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value
$693,000
1.0% YoY Growth
Household Income
$136,000
32.2% YoY Growth
Days on Market
90
14.0% Longer YoY
Home Price Forecast
1.0%
Median Rent
$2,700
11.3% YoY Growth
1-Bed Rent
$2,300
14.7% YoY Growth
2-Bed Rent
$2,900
1.0% YoY Growth
3-Bed Rent
$3,500
38.5% YoY Growth
  • Home Price Trends
  • Rental Trends
  • Property Listings
  • Demographics
  • Mortgage and Risk

Home Price Trends — Cold Spring, NY

As of Dec '25, the median home price in Cold Spring, NY is $693,000, with a year-over-year change of 1.0%. This indicates that home prices in Cold Spring, NY are flat. According to Zillow, the 1-year price projection is 1.0%, suggesting a relatively flat housing market in the next year.

Cost per Home Type

Home TypeMedian Home ValueYoY % Change
All Homes
$693,0001.0%
Single Family $704,0001.1%
Condos N/AN/A

Cost per Home Size

Home SizeMedian Home ValueYoY % Change
1 Bed
  • Affordability
  • Rentals and Section 8
    • N/A
    N/A
    2 Bed
    		$567,0000.9%
    3 Bed
    		$697,0000.7%
    4 Bed
    		$880,0001.0%
    5 Bed N/AN/A
    Loading chart...

    % of Housing Stock

    Studio
    2.2%
    1 Bedroom
    14.5%
    2 Bedrooms
    27.3%
    3 Bedrooms
    40.6%
    4 Bedrooms
    10.0%
    5+ Bedrooms
    5.4%

    Rental Trends — Cold Spring, NY

    As of July '25, Rentcast reports the average rent in Cold Spring, NY is $3,470, with a year-over-year rent change of -11.3%. Per bedroom, the median rent as of July '25 in Cold Spring, NY is 1-bedrooms: $2,370, 2-bedrooms: $3,960, 3-bedrooms: $3,690, 4-bedrooms: $5,750. The most common rental property sizes in Cold Spring, NY are 1-bedroom and 3-bedroom, accounting for 45.6% and 25.0% of the rental stock.

    TypeMedian RentAverage Rent
    Average Rent$2,700$3,470
    Studio Rent N/AN/A
    1 Bed Rent $2,300$2,370
    2 Bed Rent $2,900$3,960
    3 Bed Rent $3,500$3,690
    4 Bed Rent $5,750$5,750
    Loading chart...

    % of Rental Stock

    Studio
    2.4%
    1 Bedroom
    45.6%
    2 Bedrooms
    23.9%
    3 Bedrooms
    25.0%
    4 Bedrooms
    0.3%
    5+ Bedrooms
    2.7%

    Property Listings — Cold Spring, NY

    As of Dec '25, Realtor.com reports that the median days on market for a home in Cold Spring, NY is 68. This is a increase of 17.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 18.0%, representing a small inventory and little supply pressure on home prices.

    MetricZip Code AverageYear over Year % Change
    Median Listing Price
    		$710,000-7.0%
    Listing Count
    		12-15.0%
    Listings as % of Homes0.7%-15.0%
    Days on Market
    		9014.0%
    Loading chart...

    Demographics — Cold Spring, NY

    As of the latest ACS Survey released in 2023, Cold Spring, NY has a population of 5,610, which has increased by 1.2% over the past 5 years. Cold Spring, NY is a moderately popular place for families, as children make up 21.9% of the population. The area has a highly educated workforce, with 61.7% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 20.6% reporting working from home.

    MetricLatest CensusYoY % Change
    Population
    		5,6101.2%
    % Under 18
    		21.9%0.9%
    % Seniors
    		21.0%7.7%
    % WFH
    		20.6%49.3%
    % w/ College Degree
    		61.7%12.4%
    Loading chart...

    As of the latest ACS Survey released in 2023, Cold Spring, NY is a predominantly white area, with 86.6% of the population identifying as white. The white population has shrunk by 2.9% in the last 5 years. The second most common race or ethnicity in Cold Spring, NY is hispanic, making up 4.8% of the population. Foreign-born residents account for 7.8% of the population in Cold Spring, NY, and this percentage has increased by 18.2% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.

    Race and Ethnicity

    MetricLatest Census5-Year % Change
    % White
    		86.6%-2.9%
    % Black
    		4.7%1,466.7%
    % Hispanic
    		4.8%-41.5%
    % Asian
    		1.0%-9.1%
    % Foreign Born
    		7.8%18.2%
    Loading chart...

    Mortgage and Risk — Cold Spring, NY

    According to HUD data as of 2023, there were 87 mortgage originations in Cold Spring, NY, of which 98.0% of loans were conventional mortgages. The average loan-to-value was 50.0%, with 7.0% above 90% LTV (normal). This implies small mortgage risk in Cold Spring, NY. Investor activity is low, as 1.0% of loans were by investors. 7.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.

    Mortgages

    MetricZip Code Average
    Total Loan Originations
    		87
    % Conventional Loans
    		98.0%
    % Government Loans
    		2.0%
    % Investor Loans
    		1.0%
    % Second Loans
    		2.0%
    % Cash Out Refinance
    		7.0%
    Loading chart...
    Loading chart...

    Rentals and Section 8 — Cold Spring, NY

    As of 2024, the percent of homes in Cold Spring, NY under the Section 8 program is 12.2%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. 1-bedroom units appear to be good home sizes to consider for Section 8 housing in Cold Spring, NY, because HUD payments exceed market rent, while 2-bedroom and 3-bedroom and 4-bedroom units do not.

    Section 8 Market Size

    Total Units under HUD
    		77
    Total Units Section 8
    		77
    % Rentals under Section 8
    		12.2%
    % Occupied Section 8
    		97.4%

    Section 8 Opportunity

    Home SizeHUD PremiumMarket RentMax HUD Rent
    1 Bedroom$90$2,300$2,390
    2 Bedroom-$250$2,900$2,650
    3 Bedroom-$200$3,500$3,300
    4 Bedroom-$2,190$5,750$3,560

    Affordability — Cold Spring, NY

    Home Price to Income Ratio

    MetricZip Code Average
    Home Price to Income Ratio4.4
    Median Home Price$693,000
    Median Household Income$136,000

    Cold Spring, NY — ZIP Code Boundary Map

    Loading map...

    Nearby ZIP Codes

    Beacon, NY

    12508

    Fishkill, NY

    12524

    Garrison, NY

    10524

    Putnam Valley, NY

    10579

    West Point, NY

    10996

    Frequently Asked Questions