HomeNew YorkPutnam CountyCold Spring village
Cold Spring village, New York: commercial real estate data.
Cold Spring village is a Census village of 1,863 people across 0.59 square miles of land, in Putnam County. Median household income is $117,292, 64.9 percent of occupied homes are owned, and the SBA record carries 10 7(a) approvals to borrowers here worth $2.8 m.
80 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Cold Spring
What Cold Spring is
- Census place typevillage
- Land area0.59 sq mi
- Water area0.01 sq mi
- Population per square mile of land3,138
- County holding the largest share of its areaPutnam 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
- Population1,863
- Median age43.0
- Population under 18299 plus or minus 88
- Share under 1816.0 percent plus or minus 4.2
- Population 65 and over427 plus or minus 90
- Share 65 and over22.9 percent
- Households873
- Family households484
- Share of households that are families55.4 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$117,292
- Per capita income$77,623
- Civilian labor force1,109
- Employed1,043
- Unemployed66 plus or minus 41
- Unemployment rate6.0 percent plus or minus 3.6
- Adults 25 and over1,486
- Adults 25 and over with a high school diploma or higher97.6 percent
- Adults 25 and over with a bachelor degree or higher69.3 percent
- Adults 25 and over with a graduate degree29.8 percent plus or minus 6.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cold Spring
Housing in Cold Spring
- Housing units988
- Occupied units873
- Vacant units115 plus or minus 59
- Vacancy rate11.6 percent plus or minus 5.8
- Owner occupied567
- Renter occupied306 plus or minus 77
- Ownership rate64.9 percent
- Median owner-occupied home value$600,100
- Median gross rent, monthly$1,777
- Annual rent as a share of median income18.2 percent plus or minus 3.9
- Single family units588 plus or minus 118
- Share single family59.5 percent
- Units in buildings of two or more400 plus or minus 97
- Share in buildings of two or more40.5 percent plus or minus 8.7
- Mobile homes0
- Median year structure built1958
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 commute772
- Commuting under 15 minutes151 plus or minus 58
- Share commuting under 15 minutes19.6 percent plus or minus 6.6
- Commuting 30 minutes or more534 plus or minus 152
- Share commuting 30 minutes or more69.2 percent plus or minus 15.1
- Drove alone45.3 percent
- Carpooled0.0 percent
- Public transport26.5 percent plus or minus 10.9
- Walked5.8 percent plus or minus 2.8
- Worked from home20.3 percent plus or minus 9.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cold Spring
SBA loans in Cold Spring (7(a))
- Approvals10
- Gross approval$2,845,000
- Average approval$284,500
- Median approval$150,000
- Ninetieth percentile approval$1,300,000
- Largest approval$1,300,000
- Jobs supported88
- Jobs per approval8.8
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders8
- Distinct industries by NAICS9
A charge-off rate is not published here. only 2 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)
- Approvals5
- Gross approval$1,532,000
- Average approval$306,400
- Median approval$299,000
- Largest approval$470,000
- Jobs supported5
- Loans with a final outcome0
- Charged off0
- Median term240 months
- Distinct CDCs1
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
- Listed NFIP communities2
- Of those, participating2
- NFIP community number360670
- Currently effective map date03/04/13
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Putnam County, not Cold Spring
Putnam County context, not Cold Spring figures
These are Putnam 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 Putnam County2,868
- Employment at those establishments, Putnam County22,380
- Covered employment, Putnam County27,122
- Average annual pay, Putnam County$67,541
- Average weekly wage, Putnam County$1,299
- Housing units permitted, Putnam County140
- Of those, single family, Putnam County65
- County product, 2024, Putnam County$5,494,281,000
- County product change over the prior year, Putnam County6.3 percent
- Average income of an arriving household, Putnam County$109,205
Every figure in this section is published for Putnam 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.
- 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, New York?
1,863, in 873 households. Cold Spring village covers 0.59 square miles of land, which is 3,138 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?
Putnam 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?
$117,292. The median owner-occupied home is valued at $600,100. Median gross rent is $1,777 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?
10 7(a) approvals totalling $2.8 m, across 8 lenders, median approval $150,000, plus 5 504 approvals worth $1.5 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 2 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.
Is Cold Spring in the National Flood Insurance Program?
Yes. Cold Spring appears in the FEMA Community Status Book as community 360670, 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 labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Putnam 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.
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