HomeKentuckyCampbell CountyCold Spring city
Cold Spring city, Kentucky: commercial real estate data.
Cold Spring city is a Census city of 6,341 people across 4.75 square miles of land, in Campbell County. Median household income is $75,000, 89.1 percent of occupied homes are owned, and the SBA record carries 6 7(a) approvals to borrowers here worth $975,800.
76 sourced place values · tier FULL · 8 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Cold Spring
What Cold Spring is
- Census place typecity
- Land area4.75 sq mi
- Water area0 sq mi
- Population per square mile of land1,336
- County holding the largest share of its areaCampbell County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cold Spring
How many people live in Cold Spring
- Population6,341
- Median age52.0
- Population under 181,000 plus or minus 275
- Share under 1815.8 percent plus or minus 4.3
- Population 65 and over1,922
- Share 65 and over30.3 percent
- Households2,996
- Family households2,011
- Share of households that are families67.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cold Spring
Income and work in Cold Spring
- Median household income$75,000
- Per capita income$53,092
- Civilian labor force3,124
- Employed3,062
- Unemployed62 plus or minus 50
- Unemployment rate2.0 percent plus or minus 1.6
- Adults 25 and over5,023
- Adults 25 and over with a high school diploma or higher95.8 percent
- Adults 25 and over with a bachelor degree or higher42.6 percent
- Adults 25 and over with a graduate degree18.3 percent plus or minus 5.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cold Spring
Housing in Cold Spring
- Housing units3,072
- Occupied units2,996
- Vacant units76 plus or minus 123
- Vacancy rate2.5 percent plus or minus 4.0
- Owner occupied2,668
- Renter occupied328 plus or minus 146
- Ownership rate89.1 percent
- Median owner-occupied home value$253,600
- Median gross rent, monthly$1,191
- Annual rent as a share of median income19.1 percent plus or minus 4.1
- Single family units2,306
- Share single family75.1 percent
- Units in buildings of two or more766 plus or minus 216
- Share in buildings of two or more24.9 percent plus or minus 6.7
- Mobile homes0
- Median year structure built1999
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cold Spring
How Cold Spring gets to work
- Workers 16 and over who commute2,360
- Commuting under 15 minutes529 plus or minus 190
- Share commuting under 15 minutes22.4 percent plus or minus 7.4
- Commuting 30 minutes or more668 plus or minus 209
- Share commuting 30 minutes or more28.3 percent plus or minus 8.0
- Drove alone70.2 percent
- Carpooled2.9 percent plus or minus 2.1
- Public transport1.4 percent plus or minus 1.4
- Walked2.0 percent plus or minus 2.0
- Worked from home22.9 percent plus or minus 7.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cold Spring
SBA loans in Cold Spring (7(a))
- Approvals6
- Gross approval$975,800
- Average approval$162,633
- Median approval$140,000
- Ninetieth percentile approval$425,000
- Largest approval$425,000
- Jobs supported56
- Jobs per approval9.3
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises16.7 percent
- Distinct lenders3
- Distinct industries by NAICS5
A charge-off rate is not published here. only 1 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Cold Spring
SBA loans in Cold Spring (504)
- Approvals3
- Gross approval$1,556,000
- Average approval$518,667
- Median approval$449,000
- Largest approval$724,000
- Jobs supported22
- Loans with a final outcome1
- Charged off0
- Median term240 months
- Distinct CDCs2
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Campbell County, not Cold Spring
Campbell County context, not Cold Spring figures
These are Campbell County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Cold Spring measurements.
- Establishments in Campbell County1,743
- Employment at those establishments, Campbell County25,891
- Covered employment, Campbell County31,709
- Average annual pay, Campbell County$57,401
- Average weekly wage, Campbell County$1,104
- Housing units permitted, Campbell County249
- Of those, single family, Campbell County141
- County product, 2024, Campbell County$5,048,421,000
- County product change over the prior year, Campbell County5.3 percent
- Average income of an arriving household, Campbell County$63,052
Every figure in this section is published for Campbell County as a whole and is not a measurement of Cold Spring. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Cold Spring questions, answered from the record.
How many people live in Cold Spring, Kentucky?
6,341, in 2,996 households. Cold Spring city covers 4.75 square miles of land, which is 1,336 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Cold Spring in?
Campbell County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Cold Spring?
$75,000. The median owner-occupied home is valued at $253,600. Median gross rent is $1,191 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Cold Spring businesses?
6 7(a) approvals totalling $975,800, across 3 lenders, median approval $140,000, plus 3 504 approvals worth $1.6 m. These count approvals to borrowers whose address is in Cold Spring, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Cold Spring borrowers get paid back?
No rate is published for Cold Spring. only 1 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Are the county figures on this page Cold Spring figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Campbell County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Cold Spring.
Is zoning published for Cold Spring?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.