Everything You Should Know Before Moving to Cold Spring, KY
Considering a move to Cold Spring, KY? This welcoming city of 6,410 blends quiet suburban living with affordable housing—the median home price is $246,000 and average rent is $1,090. Residents enjoy a low violent crime rate of just 65 per 100k, short 24-minute average commutes, and strong public schools. With a cost of living index below the national average and four distinct seasons, Cold Spring offers a safe, family-friendly atmosphere with access to quality healthcare, education, and nearby amenities.
Demographics - Cold Spring, KY
Demographics - Cold Spring, KY
Cold Spring, KY is a predominantly White community of 6,410 residents, characterized by a balanced gender ratio and a median age of just over 41 years. The city's population density provides a comfortable suburban feel, with a small percentage of non-English speakers contributing to local diversity.
Population:
6,410
Density:
1,350 per sq mi
Median Age:
41.2
Gender Ratio:
92 males per 100 females
Non-English Speakers Percentage:
3.2%
Ethnic Composition
White:
94.2%
Black:
1.1%
Asian:
1.2%
Others:
3.5%
Cost Of Living
What is the average cost of living in Cold Spring, KY?
The cost of living in Cold Spring is notably affordable, with a cost of living index of 88.7, which is below the national average. Housing is especially budget-friendly, as the median home value stands at $246,000 and average monthly rent is $1,090, making it attractive for both homeowners and renters.
Median House Value:
$246,000
Gross Rent:
$1,090
Monthly Electricity Charges:
$120
Auto Insurance:
$1,350
House Owner Cost With Mortgage:
$1,480
House Owner Cost Without Mortgage:
$485
State Taxes:
Low:
2.0%
|
High:
5.0%
Cost Of Living Index:
88.7
Grocery:
93.2
Housing:
78.1
Utilities:
97.8
Transportation:
94.4
Health Care:
92.0
Miscellaneous:
91.3
Crime
Is Cold Spring, KY a safe place to live?
Cold Spring boasts a very low violent crime rate of just 65 incidents per 100,000 people, offering residents a strong sense of safety. Property crime is also well below national averages, contributing to the city's reputation as a secure and family-friendly place to live.
Violent Crimes Per 100k:
65
Property Crimes Per 100k:
780
Crime Index:
845
Chance Of Violent Crime:
1 in 1,540
Chance Of Property Crime:
1 in 128
Weather
What is the weather like in Cold Spring, KY year-round?
Residents experience all four seasons, with warm summers reaching highs of 86°F and winters dipping to lows around 24°F. The area receives about 43.5 inches of rainfall annually and enjoys sunny days 56% of the year, providing a pleasant balance for outdoor activities.
Winter
Min:
24°F
Max:
40°F
Spring
Min:
45°F
Max:
69°F
Summer
Min:
66°F
Max:
86°F
Fall
Min:
47°F
Max:
70°F
Average Rainfall Inches:
43.5 inches
Sunny Days Percentage:
56%
Neighbors
The community features a high median household income of $83,900 and a low poverty rate of 6.5%, reflecting economic stability. Most adults have completed high school, and the average commute time is just under 24 minutes, supporting a convenient suburban lifestyle.
Median Income:
$41,200
Household Income:
$83,900
Family Income:
$98,200
Per Capita Income:
$36,400
Income Male:
$51,000
Income Female:
$40,000
Poverty Rate:
6.5%
Non English Speakers:
3.2%
Rent:
$1,090
Unemployment Rate:
3.7%
Public Transport Usage:
0.5%
Commute Time:
23.6 minutes
Education
High School or Higher:
95.7%
Bachelors or More:
34.9%
Education
How are the schools in Cold Spring, KY?
Cold Spring benefits from strong educational options, including well-regarded public schools and proximity to higher education institutions like Northern Kentucky University just five miles away. The city's schools offer supportive learning environments, and families have access to both public and private school choices.
Public Schools
Name:
Campbell County High School
Street:
909 Camel Crossing
Phone:
859-635-4161
Students:
1,420
Student Teacher Ratio:
19.3
Name:
Campbell County Middle School
Street:
8000 Alexandria Pike
Phone:
859-635-6077
Students:
1,100
Student Teacher Ratio:
17.7
Private Schools
Name:
St. Joseph Cold Spring School
Street:
4011 Alexandria Pike
Phone:
859-441-2025
Students:
530
Colleges
Name:
Northern Kentucky University
City:
Highland Heights
State:
KY
Distance:
5 miles
Students:
16,000
Name:
Thomas More University
City:
Crestview Hills
State:
KY
Distance:
9 miles
Students:
2,000
Healthcare
Cold Spring residents have access to several major hospitals within close proximity, including facilities in Fort Thomas and Edgewood, and enjoy a high rate of health insurance coverage at nearly 95%. The availability of 2.3 physicians per 1,000 people ensures quality healthcare services are readily accessible.
Major Hospitals
Name:
St. Elizabeth Ft. Thomas
Address:
85 N Grand Ave, Fort Thomas, KY 41075
Phone:
(859) 572-3100
Type:
General & Surgical
Emergency Services:
Yes
Name:
St. Elizabeth Edgewood
Address:
1 Medical Village Dr, Edgewood, KY 41017
Phone:
(859) 301-2000
Type:
General & Surgical
Emergency Services:
Yes
Physicians Per 1000:
2.3
Health Insurance Coverage:
94.8%
Health Care Index:
78.1
Housing Market
What is the housing market like in Cold Spring, KY?
The housing market in Cold Spring is stable, with a median home price of $246,000 and an owner-occupied rate exceeding 83%. Low foreclosure and vacancy rates, along with steady home appreciation, make it an appealing choice for both buyers and long-term residents.
Median Home Price:
$246,000
Average Rent For 2 Bedroom:
$1,090
Owner Occupied Rate:
83.4%
Rental Vacancy Rate:
4.2%
Home Appreciation Rate (1yr):
4.1%
New Construction Rate:
1.3%
Foreclosure Rate:
0.3%
DMV Information
DMV services for Cold Spring residents are provided by the Kentucky Transportation Cabinet's Division of Driver Licensing, located in Frankfort. Residents can easily access licensing, registration, and other motor vehicle services both online and at the main office.
State:
Kentucky
Department:
Kentucky Transportation Cabinet - Division of Driver Licensing
Address:
200 Mero St, Frankfort, KY 40622
Phone:
502-564-1257
Website:
Disclaimer: The information provided on this page is based on publicly available sources including AccuWeather, U.S. Census Bureau, local government data, and third-party partners such as Neustar. While we strive to ensure accuracy, all data is provided “as is” and should be independently verified before making any decisions. Movers.com makes no guarantees regarding the completeness or reliability of the information.