Cold Brook, NY—13324
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Cold Brook, NY
As of Oct '25, the median home price in Cold Brook, NY is $169,000, with a year-over-year change of 3.0%. This indicates that home prices in Cold Brook, NY are increasing. According to Zillow, the 1-year price projection is 2.8%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $169,000 | 3.1% |
| Single Family | $169,000 | 3.0% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $149,000 | 0.0% |
3 Bed | $194,000 | 2.6% |
4 Bed | $222,000 | 6.2% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Cold Brook, NY
Cold Brook, NY lacks sufficient rental market data for analysis.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | N/A | N/A |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Cold Brook, NY
As of Oct '25, Realtor.com reports that the median days on market for a home in Cold Brook, NY is 57. This is a decrease of -36.0% from last year, suggesting that homes are sitting on the market shorter 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.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $322,000 | -13.0% |
Listing Count | 22 | 31.0% |
| Listings as % of Homes | 0.9% | 31.0% |
Days on Market | 57 | -36.0% |
Demographics — Cold Brook, NY
As of the latest ACS Survey released in 2023, Cold Brook, NY has a population of 1,710, which has decreased by -28.0% over the past 5 years. Cold Brook, NY is a less popular place for families, as children make up 14.4% of the population. The area has a poorly educated workforce, with 18.3% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 4.8% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 1,710 | -28.0% |
% Under 18 | 14.4% | -33.0% |
% Seniors | 24.7% | 52.5% |
% WFH | 4.8% | 23.1% |
% w/ College Degree | 18.3% | -11.2% |
As of the latest ACS Survey released in 2023, Cold Brook, NY is a predominantly white area, with 94.6% of the population identifying as white. The white population has shrunk by 3.3% in the last 5 years. The second most common race or ethnicity in Cold Brook, NY is hispanic, making up 0.8% of the population. Foreign-born residents account for 1.1% of the population in Cold Brook, NY, and this percentage has decreased by 42.1% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 94.6% | -3.3% |
% Black | 0.6% | 100.0% |
% Hispanic | 0.8% | -27.3% |
% Asian | 0.0% | -100.0% |
% Foreign Born | 1.1% | -42.1% |
Mortgage and Risk — Cold Brook, NY
According to HUD data as of 2023, there were 20 mortgage originations in Cold Brook, NY, of which 80.0% of loans were conventional mortgages. The average loan-to-value was 62.0%, with 25.0% above 90% LTV (very high). This implies large mortgage risk in Cold Brook, NY. Investor activity is low, as 0.0% of loans were by investors. 5.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 20 |
% Conventional Loans | 80.0% |
% Government Loans | 20.0% |
% Investor Loans | 0.0% |
% Second Loans | 15.0% |
% Cash Out Refinance | 5.0% |
Loan Activity
Rentals and Section 8 — Cold Brook, NY
Cold Brook, NY lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 4 |
Total Units Section 8 | 4 |
% Rentals under Section 8 | 5.0% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $820 |
| 2 Bedroom | N/A | N/A | $1,030 |
| 3 Bedroom | N/A | N/A | $1,240 |
| 4 Bedroom | N/A | N/A | $1,470 |
Affordability — Cold Brook, NY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2 |
| Median Home Price | $169,000 |
| Median Household Income | $80,300 |