HomeNew YorkHerkimer CountyCold Brook
Cold Brook, New York: commercial real estate data.
Cold Brook is a Census village of 164 people across 0.44 square miles of land, in Herkimer County. Median household income is $104,444, 71.1 percent of occupied homes are owned, and the SBA record carries 3 7(a) approvals to borrowers here worth $124,000 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Cold Brook
What Cold Brook is
- Census place typevillage
- Land area0.44 sq mi
- Water area0 sq mi
- Population per square mile of land373 plus or minus 116
- County holding the largest share of its areaHerkimer 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 Brook
How many people live in Cold Brook
- Population164 plus or minus 51
- Median age41.3
- Population under 1838 plus or minus 24
- Share under 1823.2 percent plus or minus 12.8
- Population 65 and over26 plus or minus 20
- Share 65 and over15.9 percent plus or minus 11.0
- Households76 plus or minus 24
- Family households45 plus or minus 19
- Share of households that are families59.2 percent plus or minus 16.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cold Brook
Income and work in Cold Brook
- Median household income$104,444 plus or minus $50,879
- Per capita income$44,621
- Civilian labor force100 plus or minus 37
- Employed100 plus or minus 37
- Unemployed0
- Unemployment rate0.0 percent
- Adults 25 and over114 plus or minus 41
- Adults 25 and over with a high school diploma or higher86.0 percent
- Adults 25 and over with a bachelor degree or higher15.8 percent plus or minus 14.8
- Adults 25 and over with a graduate degree7.0 percent plus or minus 13.9
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cold Brook
Housing in Cold Brook
- Housing units92 plus or minus 28
- Occupied units76 plus or minus 24
- Vacant units16 plus or minus 16
- Vacancy rate17.4 percent plus or minus 16.6
- Owner occupied54 plus or minus 17
- Renter occupied22 plus or minus 16
- Ownership rate71.1 percent plus or minus 31.7
- Median owner-occupied home value$150,000 plus or minus $62,164
- Single family units75 plus or minus 28
- Share single family81.5 percent plus or minus 17.2
- Units in buildings of two or more15 plus or minus 19
- Share in buildings of two or more16.3 percent plus or minus 20.3
- Mobile homes2 plus or minus 3
- Median year structure built1938
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cold Brook
How Cold Brook gets to work
- Workers 16 and over who commute96 plus or minus 37
- Commuting under 15 minutes17 plus or minus 19
- Share commuting under 15 minutes17.7 percent plus or minus 18.1
- Commuting 30 minutes or more60 plus or minus 27
- Share commuting 30 minutes or more62.5 percent plus or minus 14.3
- Drove alone90.0 percent
- Carpooled6.0 percent plus or minus 5.6
- Public transport0.0 percent
- Walked0.0 percent
- Worked from home4.0 percent plus or minus 4.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cold Brook
SBA loans in Cold Brook (7(a))
- Approvals3
- Gross approval$124,000
- Average approval$41,333
- Median approval$44,000
- Largest approval$70,000
- Jobs supported2
- Jobs per approval0.7
- 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 franchises0.0 percent
- Distinct lenders1
- Distinct industries by NAICS2
Counted by borrower city: approvals to borrowers whose address is in Cold Brook, in any county, FY2020 to FY2026. Only 1 loan has 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 Brook
Flood risk in Cold Brook
- NFIP communityVillage of Cold Brook
- NFIP community number360298
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date12/20/00
The Village of Cold Brook participates in the National Flood Insurance Program as community 360298 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.
Herkimer County, not Cold Brook
Herkimer County context, not Cold Brook figures
- Establishments in Herkimer County1,124
- Covered employment, Herkimer County15,519
- Average annual pay, Herkimer County$51,384
- Housing units permitted, Herkimer County50
Every figure in this section is published for Herkimer County as a whole and is not a measurement of Cold Brook.
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 Brook questions, answered from the record.
How many people live in Cold Brook, New York?
164, in 76 households. Cold Brook village covers 0.44 square miles of land, which is 373 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Cold Brook in?
Herkimer 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 Brook?
$104,444. The median owner-occupied home is valued at $150,000. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Cold Brook businesses?
3 7(a) approvals totaling $124,000 since FY2020, across 1 lenders, median approval $44,000. These count approvals to borrowers whose address is in Cold Brook, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Cold Brook borrowers get paid back?
No rate is published for Cold Brook. Only 1 loan has 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 Brook in the National Flood Insurance Program?
Yes. Cold Brook appears in the FEMA Community Status Book as Cold Brook, village of, community 360298, 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 Brook figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Herkimer 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 Brook.
Is zoning published for Cold Brook?
No. Nothing on this page presents parcel level zoning.