Cost of Living in Cold Spring, KY
Population 6,298 · Kentucky · Data vintage 2023
(100 = US avg)
Cold Spring sits on the smaller end of the Kentucky city distribution. That scale shapes the housing market, the labor pool, and the services available to residents in ways the data below makes visible. An unemployment rate of 2.1% points to a labor market well on the tight side of the national distribution.
Cold Spring sits roughly 9 miles southeast of Cincinnati — close enough that regional housing and labor patterns are shaped largely by the larger market. Median home values run roughly 9% higher than Cincinnati's $215,000.
Cost Overview
Scale: 100 = US national average. Green < 90, Red > 110.
About the Cost of Living in Cold Spring
The median home value in Cold Spring is $235,200 — 23% below the national median of $305,000. Median rent runs $1,185/month, 10% lower than the national median of $1,314/month. The median household income of $80,172/year is 7% higher than the US median of $74,580. The local unemployment rate is 2.1%, below the national average of 4.8%. Kentucky's top state income tax rate is 4.0% and the combined sales tax is 6.0%. The climate averages highs of 65.4°F and lows of 44.2°F. Overall, Cold Spring has a cost of living index of 82 versus the US average of 100, meaning it is 18% less expensive.
Cold Spring has limited residential data
Detailed housing and income data is limited for this location. Here are the nearest cities with full cost of living data:
🏠 Housing
HUD Fair Market Rents by Bedroom
💰 Estimated Monthly Budget
Estimates based on median data and national averages. Actual costs vary.
🛒 Food & Groceries
National BLS average prices (2023). Local prices may vary.
🚗 Transportation
Commute Mode
⚡ Utilities
📋 Taxes
💼 Income & Employment
🎓 Education
👥 Demographics
🌤 Climate
NOAA 1991–2020 Climate Normals
| Month | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| High °F | 41 | 45 | 55 | 67 | 75 | 83 | 87 | 86 | 80 | 68 | 55 | 45 |
| Low °F | 24 | 26 | 33 | 43 | 53 | 61 | 65 | 64 | 56 | 44 | 34 | 28 |
| Precip" | 2.86 | 2.79 | 3.94 | 4.37 | 4.70 | 4.61 | 4.39 | 3.39 | 3.07 | 3.05 | 2.91 | 3.32 |
💨 Air Quality
EPA AQS 2023 — county-level monitoring data
Frequently Asked Questions
What is the cost of living in Cold Spring, KY?
Cold Spring has a cost index of 82 (100 = national average). It is 18% below the national average.
What is average rent in Cold Spring, KY?
The median gross rent in Cold Spring is $1,185 per month based on 2023 Census data.
What is the average home price in Cold Spring?
The median home value in Cold Spring is $235,200 according to Zillow and Census data.
What is the median income in Cold Spring?
The median household income in Cold Spring is $80,172 per year (2023 ACS 5-year estimates).
What is the sales tax in Cold Spring, KY?
The combined state and local sales tax rate in Cold Spring is 6.0%. The Kentucky state income tax top rate is 4.0%.
Is Cold Spring, KY affordable?
Yes, Cold Spring is generally considered affordable, with a cost of living index of 82 — about 18% below the US national average of 100.
What is the weather like in Cold Spring?
Cold Spring has average high temperatures of 65.4°F and average lows of 44.2°F. Annual precipitation is 43.4". Data from NOAA 1991–2020 Climate Normals.
Cold Spring at a Glance
- Population
- 6,298
- Median Income
- $80,172
- Home Value
- $235,200
- Median Rent
- $1,185/mo
- Unemployment
- 2.1%
- Avg High Temp
- 65.4°F
- Sales Tax
- 6.0%
Nearby Cities
Explore county-level cost of living data
Kentucky Rankings
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