Cold Brook, New York.
Typical home $178,430 (+5.2% in a year). Utica-Rome, NY metro.
to buy the typical home at today's mortgage rate — +$515 (+122%) since Jan 2020.
- 1 year
- Up $8,829 +5%
- $169,601$178,430 since Sep 2025
- 5 years
- Up $35,656 +25%
- $142,774$178,430 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Cold Brook$937
- New York$2,755
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 16 years.
Typical home values in Cold Brook, NY rose 5.2% over the past year — faster than the nation's +1.2%.
Living in Cold Brook, Herkimer County, New York
Cold Brook is a village of 250 people in Herkimer County. Unemployment in Herkimer County was 4.2% in August 2026, and the county had 2.3% more jobs in 2025 than the year before. The most people in Herkimer County work in schools and health care, then shops.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Cold Brook is a very small village in Herkimer County, New York, where neighbors tend to know one another. Winters are cold, with January the coldest month, and summers are mild and pleasant by comparison. Rain and melted snow add up to a good deal over the year, so the seasons are plainly marked. Homes here cost less than in much of the country, and few adults hold a four-year degree.
Work. Residents work mostly in schools, hospitals and social care, with others in shops, manufacturing and the building trades. Very few work from home, so most people head out to a job. Across Herkimer County, larger workplaces include the Tractor Supply Company Distribution Center, Walmart and Herkimer County Community College, and the county has added jobs over the past year.
Things to do. Water is the main draw around Cold Brook. The brook itself runs in or beside town, and Cincinnati Creek, Hinckley Reservoir and Trenton Falls, a waterfall, are each a short drive away. For a longer outing, the Munson-Williams-Proctor Arts Institute, a museum, is a longer drive away.
Report a mistake
- 16%of adults have a degree
- 11%below the poverty line
- 4%work from home
What people in Herkimer County work in
Employed residents by industry, from the Census survey. Herkimer County had 15,878 jobs in 2025, 2.3% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 29° and lows near 10°; warmest in July, with highs near 79° and lows near 58°. About 51 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Trenton Falls weather station, 6 miles away (NOAA).
Largest workplaces in Herkimer County
- Tractor Supply Company Distribution CenterGeneral warehousing and storage425
- WalmartWarehouse clubs and supercenters422
- Central Valley CSD at Ilion-mohawkSchool district364FTE
- Herkimer County Community CollegeTwo-year college253
- Mount Markham Central School DistrictSchool district192FTE
- Foltsbrook CenterHome nursing services, private practice190
- Little Falls City School DistrictSchool district183FTE
- Little Falls HospitalCritical access hospital174FTE
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 37 workplaces with 20 or more staff, 3,360 people in all across the county; Cold Brook has none of its own. School districts come from the Common Core of Data (NCES, 2023–24), colleges from IPEDS (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Winter weatherRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Cold Brook’s census tracts, against the rest of the country; all of them together, very low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Herkimer County and the Utica-Rome, NY metro.
Cold Brook home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Cold Brook$178,430
- New York$524,942
- United States$366,157
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Cold Brook14
Zip codes with a Cold Brook address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Cold Brook — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.