HomeNew YorkSuffolk CountyCold Spring Harbor CDP
Cold Spring Harbor CDP, New York: commercial real estate data.
Cold Spring Harbor CDP is a Census CDP of 3,220 people across 3.41 square miles of land, in Suffolk County. Median household income is $250,001, 93.5 percent of occupied homes are owned, and the SBA record carries 5 7(a) approvals to borrowers here worth $1.1 m.
64 sourced place values · tier FULL · 7 sections
Cold Spring Harbor
What Cold Spring Harbor is
- Census place typeCDP
- Land area3.41 sq mi
- Water area0.17 sq mi
- Population per square mile of land944
- County holding the largest share of its areaSuffolk 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 Harbor
How many people live in Cold Spring Harbor
- Population3,220
- Median age40.4
- Population under 18870 plus or minus 211
- Share under 1827.0 percent plus or minus 5.5
- Population 65 and over451 plus or minus 98
- Share 65 and over14.0 percent
- Households1,030
- Family households867
- Share of households that are families84.2 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cold Spring Harbor
Income and work in Cold Spring Harbor
- Median household income$250,001
- Per capita income$105,403
- Civilian labor force1,681
- Employed1,656
- Unemployed25 plus or minus 24
- Unemployment rate1.5 percent plus or minus 1.4
- Adults 25 and over2,080
- Adults 25 and over with a high school diploma or higher97.7 percent
- Adults 25 and over with a bachelor degree or higher76.7 percent
- Adults 25 and over with a graduate degree34.7 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cold Spring Harbor
Housing in Cold Spring Harbor
- Housing units1,081
- Occupied units1,030
- Vacant units51 plus or minus 47
- Vacancy rate4.7 percent plus or minus 4.3
- Owner occupied963
- Renter occupied67 plus or minus 48
- Ownership rate93.5 percent
- Median owner-occupied home value$1,587,900
- Single family units1,049
- Share single family97.0 percent plus or minus 20.4
- Units in buildings of two or more32 plus or minus 40
- Share in buildings of two or more3.0 percent plus or minus 3.7
- Mobile homes0
- Median year structure built1960
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cold Spring Harbor
How Cold Spring Harbor gets to work
- Workers 16 and over who commute1,173
- Commuting under 15 minutes279 plus or minus 112
- Share commuting under 15 minutes23.8 percent plus or minus 8.3
- Commuting 30 minutes or more575 plus or minus 144
- Share commuting 30 minutes or more49.0 percent
- Drove alone50.7 percent
- Carpooled1.5 percent plus or minus 1.5
- Public transport9.9 percent plus or minus 3.7
- Walked3.8 percent plus or minus 2.6
- Worked from home28.9 percent plus or minus 6.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cold Spring Harbor
SBA 7(a) lending to Cold Spring Harbor borrowers
- Approvals5
- Gross approval$1,138,000
- Average approval$227,600
- Median approval$150,000
- Ninetieth percentile approval$462,000
- Largest approval$462,000
- Jobs supported33
- Jobs per approval6.6
- 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 lenders5
- 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.
Suffolk County, not Cold Spring Harbor
Suffolk County context, not Cold Spring Harbor figures
These are Suffolk 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 Harbor measurements.
- Establishments in Suffolk County50,748
- Employment at those establishments, Suffolk County592,580
- Covered employment, Suffolk County679,594
- Average annual pay, Suffolk County$79,121
- Average weekly wage, Suffolk County$1,522
- Housing units permitted, Suffolk County1,407
- Of those, single family, Suffolk County1,137
- County product, 2024, Suffolk County$139,014,125,000
- County product change over the prior year, Suffolk County5.9 percent
- Average income of an arriving household, Suffolk County$144,254
Every figure in this section is published for Suffolk County as a whole and is not a measurement of Cold Spring Harbor. 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.
- No median gross rent is published for this place.
- 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 Harbor questions, answered from the record.
How many people live in Cold Spring Harbor, New York?
3,220, in 1,030 households. Cold Spring Harbor CDP covers 3.41 square miles of land, which is 944 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 Harbor in?
Suffolk 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 Harbor?
$250,001. The median owner-occupied home is valued at $1,587,900. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Cold Spring Harbor businesses?
5 7(a) approvals totalling $1.1 m, across 5 lenders, median approval $150,000. These count approvals to borrowers whose address is in Cold Spring Harbor, 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 Harbor borrowers get paid back?
No rate is published for Cold Spring Harbor. 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 Harbor figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Suffolk 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 Harbor.
Is zoning published for Cold Spring Harbor?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.