Cold Spring, KY—41076
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Cold Spring, KY
As of Oct '25, the median home price in Cold Spring, KY is $249,000, with a year-over-year change of 2.3%. This indicates that home prices in Cold Spring, KY are increasing. According to Zillow, the 1-year price projection is 1.1%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $249,000 | 2.3% |
| Single Family | $298,000 | 2.8% |
| Condos | $197,000 | 2.1% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $200,000 | 2.6% |
3 Bed | $293,000 | 3.2% |
4 Bed | $406,000 | 4.1% |
| 5 Bed | N/A | N/A |
% of Housing Stock
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.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,400 | $1,420 |
| Studio Rent | N/A | N/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/A | N/A |
% of Rental Stock
Property Listings — Cold Spring, KY
As of Oct '25, Realtor.com reports that the median days on market for a home in Cold Spring, KY is 33. This is a increase of 3.0% 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 23.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $312,000 | 18.0% |
Listing Count | 44 | 2.0% |
| Listings as % of Homes | 0.3% | 2.0% |
Days on Market | 33 | 3.0% |
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.
| Metric | Latest Census | YoY % 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% |
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
| Metric | Latest Census | 5-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% |
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
| Metric | Zip 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% |
Loan Activity
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 Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$370 | $1,400 | $1,030 |
| 2 Bedroom | -$20 | $1,350 | $1,330 |
| 3 Bedroom | $785 | $975 | $1,760 |
| 4 Bedroom | N/A | N/A | $1,950 |
Affordability — Cold Spring, KY
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.2 |
| Median Home Price | $249,000 |
| Median Household Income | $72,400 |