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Cold Spring, KY—41076

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value
$268,000
2.1% YoY Growth
Household Income
$72,400
25.8% YoY Growth
Days on Market
28
13.0% Shorter YoY
Home Price Forecast
0.3%
Median Rent
$1,400
3.6% YoY Growth
1-Bed Rent
$1,400
N/A
2-Bed Rent
$1,350
9.2% YoY Growth
3-Bed Rent
$975
22.1% YoY Growth
  • Home Price Trends
  • Rental Trends
  • Property Listings
  • Demographics
  • Mortgage and Risk

Home Price Trends — Cold Spring, KY

As of May '26, the median home price in Cold Spring, KY is $268,000, with a year-over-year change of 2.1%. This indicates that home prices in Cold Spring, KY are increasing. According to Zillow, the 1-year price projection is 0.3%, suggesting a relatively flat housing market in the next year.

Cost per Home Type

Home TypeMedian Home ValueYoY % Change
All Homes
$268,0002.1%
Single Family $316,0003.6%
Condos $205,0002.5%

Cost per Home Size

Home SizeMedian Home ValueYoY % Change
1 Bed
  • Affordability
  • Rentals and Section 8
    • N/A
    N/A
    2 Bed
    		$208,0003.0%
    3 Bed
    		$308,0005.5%
    4 Bed
    		$426,0005.7%
    5 Bed N/AN/A
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    % of Housing Stock

    Studio
    0.7%
    1 Bedroom
    5.7%
    2 Bedrooms
    44.9%
    3 Bedrooms
    25.5%
    4 Bedrooms
    20.3%
    5+ Bedrooms
    3.0%

    Rental Trends — Cold Spring, KY

    As of July '25, Rentcast reports the average rent in Cold Spring, KY is $1,420, with a year-over-year rent change of 3.6%. Per bedroom, the median rent as of July '25 in Cold Spring, KY is 1-bedrooms: $1,400, 2-bedrooms: $1,390, 3-bedrooms: $1,490. The most common rental property sizes in Cold Spring, KY are 2-bedroom and 1-bedroom, accounting for 64.8% and 19.2% of the rental stock.

    TypeMedian RentAverage Rent
    Average Rent$1,400$1,420
    Studio Rent N/AN/A
    1 Bed Rent $1,400$1,400
    2 Bed Rent $1,350$1,390
    3 Bed Rent $975$1,490
    4 Bed Rent N/AN/A
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    % of Rental Stock

    Studio
    3.1%
    1 Bedroom
    19.2%
    2 Bedrooms
    64.8%
    3 Bedrooms
    8.3%
    4 Bedrooms
    4.6%

    Property Listings — Cold Spring, KY

    As of May '26, Realtor.com reports that the median days on market for a home in Cold Spring, KY is 28. This is a decrease of -13.0% 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 19.0%, representing a small inventory and little supply pressure on home prices.

    MetricZip Code AverageYear over Year % Change
    Median Listing Price
    		$224,000-8.0%
    Listing Count
    		42-24.0%
    Listings as % of Homes0.3%-24.0%
    Days on Market
    		28-13.0%
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    Demographics — Cold Spring, KY

    As of the latest ACS Survey released in 2023, Cold Spring, KY has a population of 17,100, which has remained stable by -0.3% over the past 5 years. Cold Spring, KY is a moderately popular place for families, as children make up 16.9% of the population. The area has a moderately educated workforce, with 43.7% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 14.9% reporting working from home.

    MetricLatest CensusYoY % Change
    Population
    		17,100-0.3%
    % Under 18
    		16.9%-3.4%
    % Seniors
    		20.2%1.0%
    % WFH
    		14.9%338.2%
    % w/ College Degree
    		43.7%20.4%
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    As of the latest ACS Survey released in 2023, Cold Spring, KY is a predominantly white area, with 92.7% 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 Spring, KY is black, making up 2.5% of the population. Foreign-born residents account for 3.0% of the population in Cold Spring, KY, and this percentage has increased by 11.1% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.

    Race and Ethnicity

    MetricLatest Census5-Year % Change
    % White
    		92.7%-3.3%
    % Black
    		2.5%92.3%
    % Hispanic
    		1.1%22.2%
    % Asian
    		1.4%27.3%
    % Foreign Born
    		3.0%11.1%
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    Mortgage and Risk — Cold Spring, KY

    According to HUD data as of 2023, there were 426 mortgage originations in Cold Spring, KY, of which 84.0% of loans were conventional mortgages. The average loan-to-value was 61.0%, with 24.0% above 90% LTV (very high). This implies large mortgage risk in Cold Spring, KY. Investor activity is low, as 1.0% of loans were by investors. 11.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.

    Mortgages

    MetricZip Code Average
    Total Loan Originations
    		426
    % Conventional Loans
    		84.0%
    % Government Loans
    		16.0%
    % Investor Loans
    		1.0%
    % Second Loans
    		1.0%
    % Cash Out Refinance
    		11.0%
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    Rentals and Section 8 — Cold Spring, KY

    Cold Spring, KY lacks sufficient Section 8 program data for analysis.

    Section 8 Market Size

    Total Units under HUD
    		238
    Total Units Section 8
    		188
    % Rentals under Section 8
    		10.3%
    % Occupied Section 8
    		83.0%

    Section 8 Opportunity

    Home SizeHUD PremiumMarket RentMax HUD Rent
    1 Bedroom-$370$1,400$1,030
    2 Bedroom-$20$1,350$1,330
    3 Bedroom$785$975$1,760
    4 BedroomN/AN/A$1,950

    Affordability — Cold Spring, KY

    Home Price to Income Ratio

    MetricZip Code Average
    Home Price to Income Ratio3.5
    Median Home Price$268,000
    Median Household Income$72,400

    Cold Spring, KY — ZIP Code Boundary Map

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    Frequently Asked Questions