Cold Spring, Kentucky.
Typical home $298,699 (+3.0% in a year), asking rent $1,432 . Cincinnati, OH-KY-IN metro.
to buy the typical home at today's mortgage rate — +$828 (+112%) since Jan 2020.
- 1 year
- Up $8,567 +3%
- $290,132$298,699 since Sep 2025
- 5 years
- Up $54,172 +22%
- $244,528$298,699 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 Spring$1,568
- Kentucky$1,212
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 17 years.
Typical home values in Cold Spring, KY rose 3.0% over the past year — faster than the nation's +1.2%.
Living in Cold Spring, Campbell County, Kentucky
Cold Spring is a city of 6,216 people in Campbell County. Half its households earn more than $75,000 a year and half less, against $77,567 across Campbell County; 10% of its people live below the poverty line. 89% of its homes are lived in by their owners and 11% are rented. Unemployment in Campbell County was 3.5% in August 2026, and the county had 1.0% more jobs in 2025 than the year before. The most residents work in professional services, then schools and health care.
Written by AI Claude Sonnet 5.5 wrote this on 24 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 It can be wrong or out of date.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 Spring is a small city in Campbell County, Kentucky, just south of the Ohio River and the Cincinnati area. Nearly all of its homes are lived in by their owners, a higher share than is typical across the country, and household incomes run a little below the county's. A good many adults hold a four-year degree, and winters are cold while summers turn warm, with rain and melted snow spread through the year.
Work. Residents work in professional and business services, in schools, hospitals and social care, in banks, insurance and property, and in manufacturing. Some of the biggest workplaces in town are grocery and retail stores such as Kroger and Meijer, along with Kohl's. Jobs across Campbell County have grown slightly over the past year, and the typical commute is a moderate one, with a good number of people working from home.
Things to do. The Cincinnati Zoo and Botanical Garden is a short drive away, as is Newport Aquarium, which sits close to the river. For baseball, Great American Ball Park is also a short drive, and the Licking River is nearby for time on the water.
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- 2,996households
- 43%of adults have a degree
- 10%below the poverty line
- 22 mintypical commute
- 23%work from home
What residents work in
Employed residents by industry, from the Census survey. Campbell County had 32,037 jobs in 2025, 1.0% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 41° and lows near 24°; warmest in July, with highs near 87° and lows near 65°. About 43 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Cincinnati Lunken Airport weather station, 6 miles away (NOAA).
Largest workplaces in Cold Spring
- Kroger Cincinnati-Dayton KMASupermarkets and other grocery except convenience stores184
- MeijerRetail163
- Kroger Cincinnati-Dayton KMASupermarkets and other grocery except convenience stores126
- Kohl's56
- Segepo-FSMPrecision turned product manufacturing52
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 5 workplaces with 20 or more staff, 581 people in all. 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
- LightningRelatively high
- TornadoesRelatively high
- Strong windrelatively high in parts of Cold SpringRelatively moderate
- Cold wavesrelatively high in parts of Cold SpringRelatively moderate
- Ice stormsRelatively moderate
- 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 Spring’s census tracts, against the rest of the country; all of them together, relatively 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 Campbell County and the Cincinnati, OH-KY-IN metro.
Cold Spring home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Cold Spring$298,699
- Kentucky$230,909
- United States$366,157
Sellers are cutting prices on about 1 in 3 Cold Spring listings — the market is roughly in balance.
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
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Cold Spring35.40%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Cold Spring27
New listings per month
Sellers arriving at the market.
- Cold Spring8
Zip codes with a Cold Spring address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Cold Spring — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.