HomeMinnesotaStearns CountyCold Spring
Cold Spring, Minnesota: commercial real estate data.
Cold Spring is a Census city of 4,249 people across 2.80 square miles of land, in Stearns County. Median household income is $72,228, 66.5 percent of occupied homes are owned, and the SBA record carries 21 7(a) approvals to borrowers here worth $10.8 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Cold Spring
What Cold Spring is
- Census place typecity
- Land area2.8 sq mi
- Water area0.05 sq mi
- Population per square mile of land1,515
- County holding the largest share of its areaStearns 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
- Population4,249
- Median age38.5
- Population under 18918 plus or minus 241
- Share under 1821.6 percent plus or minus 5.7
- Population 65 and over847 plus or minus 204
- Share 65 and over19.9 percent plus or minus 4.8
- Households1,855
- Family households1,177
- Share of households that are families63.5 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$72,228 plus or minus $19,414
- Per capita income$37,797
- Civilian labor force2,455
- Employed2,325
- Unemployed130 plus or minus 119
- Unemployment rate5.3 percent plus or minus 4.8
- Adults 25 and over2,823
- Adults 25 and over with a high school diploma or higher94.7 percent
- Adults 25 and over with a bachelor degree or higher31.0 percent plus or minus 8.8
- Adults 25 and over with a graduate degree7.2 percent plus or minus 4.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cold Spring
Housing in Cold Spring
- Housing units1,878
- Occupied units1,855
- Vacant units23 plus or minus 36
- Vacancy rate1.2 percent plus or minus 1.9
- Owner occupied1,234
- Renter occupied621 plus or minus 169
- Ownership rate66.5 percent
- Median owner-occupied home value$280,400
- Median gross rent, monthly$1,424 plus or minus $316
- Annual rent as a share of median income23.7 percent plus or minus 8.2
- Single family units1,319
- Share single family70.2 percent
- Units in buildings of two or more522 plus or minus 170
- Share in buildings of two or more27.8 percent plus or minus 8.8
- Mobile homes37 plus or minus 40
- Median year structure built1992
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 commute2,070
- Commuting under 15 minutes701 plus or minus 222
- Share commuting under 15 minutes33.9 percent plus or minus 9.9
- Commuting 30 minutes or more779 plus or minus 302
- Share commuting 30 minutes or more37.6 percent plus or minus 13.8
- Drove alone78.6 percent
- Carpooled8.8 percent plus or minus 6.3
- Public transport0.1 percent plus or minus 0.3
- Walked3.0 percent plus or minus 4.6
- Worked from home8.4 percent plus or minus 4.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cold Spring
SBA loans in Cold Spring (7(a))
- Approvals21
- Gross approval$10,764,100
- Average approval$512,576
- Median approval$175,000
- Ninetieth percentile approval$995,100
- Largest approval$3,679,000
- Jobs supported161
- Jobs per approval7.7
- Loans with a final outcome5
- Paid in full5
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more14.3 percent
- Share to franchises4.8 percent
- Distinct lenders9
- Distinct industries by NAICS17
Counted by borrower city: approvals to borrowers whose address is in Cold Spring, in any county, FY2020 to FY2026. Only 5 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
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)
- Approvals13
- Gross approval$8,244,000
- Average approval$634,154
- Median approval$410,000
- Largest approval$3,094,000
- Jobs supported73
- Loans with a final outcome5
- Charged off0
- Median term240 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Cold Spring, in any county, FY2010 to FY2026. Only 5 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Cold Spring
Flood risk in Cold Spring
- NFIP communityCity of Cold Spring
- NFIP community number270444
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date02/16/12
The City of Cold Spring participates in the National Flood Insurance Program as community 270444 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Stearns County, not Cold Spring
Stearns County context, not Cold Spring figures
- Establishments in Stearns County4,474
- Covered employment, Stearns County87,252
- Average annual pay, Stearns County$62,313
- Housing units permitted, Stearns County572
Every figure in this section is published for Stearns County as a whole and is not a measurement of Cold Spring.
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.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Cold Spring questions, answered from the record.
How many people live in Cold Spring, Minnesota?
4,249, in 1,855 households. Cold Spring city covers 2.80 square miles of land, which is 1,515 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?
Stearns 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?
$72,228. The median owner-occupied home is valued at $280,400. Median gross rent is $1,424 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?
21 7(a) approvals totaling $10.8 m since FY2020, across 9 lenders, median approval $175,000, plus 13 504 approvals worth $8.2 m since FY2010. 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 5 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Cold Spring in the National Flood Insurance Program?
Yes. Cold Spring appears in the FEMA Community Status Book as Cold Spring, city of, community 270444, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Cold Spring figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Stearns 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?
No. Nothing on this page presents parcel level zoning.