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City · 6,341 residents · Campbell County, Kentucky

Cold Spring , Kentucky

In Cold Spring, a typical home is worth $253,600 and typical rent is $1,191 a month. Compared with all of Campbell County, the share of households that own their home is 18 points higher.

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  • Typical home value

    $253,600

    About the same as the county

    23% above Kentucky

    • Cold Spring
    • Campbell
    • Kentucky

  • Typical rent

    $1,191a month

    4% above the county

    23% above Kentucky

    • Cold Spring
    • Campbell
    • Kentucky

  • Typical household income

    $75,000a year

    3% below the county

    18% above Kentucky

    • Cold Spring
    • Campbell
    • Kentucky

  • Households that own their home

    89%

    18 points above the county

    21 points above Kentucky

    • Cold Spring
    • Campbell
    • Kentucky

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$298,699
3% more than 12 months ago
Typical rent
$1,432 a month

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Cold Spring is in Campbell County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Campbell County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Cold Spring apart

What this place has that others do not, from public data, most unusual first.

  1. Cold Spring has the 4th highest homeownership rate of the 84 cities in Kentucky with more than 5,000 people (89%).

  2. Nearby, in Highland Heights, the typical home value is $169,700: 33% less than in Cold Spring ($253,600).

  3. According to Zillow, in the 12 months to September 2026 the typical home value in Cold Spring rose 3%; in Kentucky, it barely changed.

  4. Nearby, in Covington, the typical rent is $1,006: 16% less than in Cold Spring ($1,191).

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Cold Spring

What homes there are in Cold Spring, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house is still the most common home in Cold Spring, but it weighs less than in Campbell County: 51% against 64%.

Year built

The typical home in Cold Spring was built in 1999, 27 years after the typical one in Campbell County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$1,465 a month

Campbell County: $1,627 a month

Without a mortgage

$648 a month

Campbell County: $592 a month

Owners with a mortgage

68%

Campbell County: 65%

In Cold Spring, 68% of owners have a mortgage, and their typical cost is $1,465 a month, against $1,627 in Campbell County. Without one it drops to $648.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Homes in Cold Spring gained value more slowly than in Campbell County: 29% since 2015–2019, against 47%.

Since 2015–2019, the typical rent in Cold Spring did not change clearly, according to the Census.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureCold SpringCampbell CountyKentuckyUnited States
Rental vacancy Unreliable estimate6.8%4.6%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.9%0.9%
More than one person per room Unreliable estimate1.5%2.0%3.4%
People per household 2.092.322.432.53
Drive alone 70%72%77%69%
Carpool Unreliable estimate7%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 23%17%10%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.09 on average, against 2.32 in Campbell County.

In Cold Spring, 23% of workers work from home, more than in Campbell County (17%).

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Cold Spring?

A typical home is tight for the typical income

We start with a typical home in Cold Spring, worth $253,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Cold Spring, which is $75,000 a year. For that payment to be 28% of income, a household would need to earn about $90,053 a year.

The calculator's FHA and conventional loan limits are those of all of Campbell County.

Your numbers

Local data
$

Starts at the typical home value in Cold Spring. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $8,876 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$2,101

at 7.18% · 30 years

Loan amount
$249,007
Total interest
$358,262
Paid off in
November 2056

Includes $4,283 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,750 a month

  • Tight

    $1,750 to $2,250 a month

    Your payment · 34%

  • Hard

    more than $2,250 a month

Compared with the typical household income in Cold Spring ($75,000 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,101
Principal & interest$1,687
Property tax$197
Home insurance$106
FHA mortgage insurance (MIP)$112

You need at least $8,876 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Cold Spring and Campbell County

Cold Spring is in Campbell County, Kentucky. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Cold Spring's own numbers

Typical home value
$253,600
Typical monthly rent
$1,191
Typical yearly household income
$75,000
Households that own their home
89%
Effective property tax rate
0.93%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Campbell County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,442
Price change over 5 years (FHFA)
+54%
Homes in a high flood-risk zone
2.9%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Campbell County.

Everything about Campbell County

Buying

Buying a home in Cold Spring

A typical home in Cold Spring is worth $253,600: about the same as the county and 23% above Kentucky. With the typical household income in Cold Spring ($75,000 a year), a typical home costs 3.4 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Cold Spring 3.4 years
  • Campbell 3.2 years
  • Kentucky 3.2 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Campbell County

According to FHFA’s house price index, home prices in Campbell County rose 101% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Campbell County.

Period County Kentucky U.S.
Last year (2025) +4.2% +3.9% +2.9%
5 years (2020–2025) +54% +50% +47%
10 years (2015–2025) +101% +84% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Cold Spring next to Campbell County, Kentucky and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Cold Spring $253,600
  • Campbell $252,000
  • Kentucky $205,600
  • United States $332,700
Typical monthly rent
  • Cold Spring $1,191
  • Campbell $1,145
  • Kentucky $967
  • United States $1,413
Typical yearly household income
  • Cold Spring $75,000
  • Campbell $77,567
  • Kentucky $63,726
  • United States $80,734
See the full table
Cold Spring next to Campbell County and Kentucky
Measure Cold Spring Campbell County Kentucky U.S.
Typical home value $253,600 $252,000 $205,600 $332,700
Typical monthly rent $1,191 $1,145 $967 $1,413
Typical yearly household income $75,000 $77,567 $63,726 $80,734
Households that own their home 89% 71% 68% 65%
Typical yearly property tax $2,369 $2,556 $1,544 $3,119
Effective property tax rate 0.93% 1.01% 0.75% 0.94%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Campbell County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Cold Spring

For a typical $253,600 home in Cold Spring, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Cold Spring's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,101a month

    Least cash to close
    Down payment
    $8,876
    Cash to close
    $16,484
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $112

  • Conventional, 5% down $2,055a month

    Down payment
    $12,680
    Cash to close
    $20,288
    Rate
    7.18%
    Mortgage insurance
    PMI · $120

  • Conventional, 20% down, no PMI $1,677a month

    Down payment
    $50,720
    Cash to close
    $58,328
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,911a month

    Down payment
    $38,040
    Cash to close
    $45,648
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Cold Spring and for Campbell County.

Property tax

Effective rate in Cold Spring

0.93%of the home’s value each year

$2,369 a year for the typical owner in Cold Spring.

  • Cold Spring 0.93%
  • Campbell 1.01%
  • Kentucky 0.75%

What Kentucky publishes Homestead exemption for owners 65 or older or totally disabled (Kentucky Department of Revenue)

Exemptions and deadlines in Kentucky

Flood risk in Campbell County

FEMA does not publish these numbers by city: they are for all of Campbell County.

Homes in the high-risk zone
2.9%
794
Of those, with NFIP insurance
37%
County Kentucky U.S.
Homes in the high-risk zone 2.9% 3.5% 3.5%
Of those, with NFIP insurance 37% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Cold Spring

Typical rent in Cold Spring is $1,191 a month: 4% above the county.

HUD publishes a fair market rent for all of Campbell County, by unit size. To pay the 2-bedroom one ($1,442 a month) without spending more than 30% of your income, you would need to earn $27.73 an hour working full time.

HUD fair market rent for all of Campbell County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,052 $20.23 $42,080
1 bedroom $1,128 $21.69 $45,120
2 bedrooms $1,442 $27.73 $57,680
3 bedrooms $1,897 $36.48 $75,880
4 bedrooms $2,141 $41.17 $85,640

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Cold Spring

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Cold Spring is in ZIP code 41076.

For 2 bedrooms it is $1,500: $58 more than the fair market rent for Campbell County ($1,442).

  • 41076 $1,500$1,970

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Cold Spring when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Cold Spring

HUD lists one building with rents for lower incomes in Cold Spring.

  • Cold Springs Single Family Homes Salmon Pass, Cold Spring 41076 30 low-income homes · 4 bd: 30 · In service since 2007

See all 25 buildings in Campbell County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Cold Spring

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There is 1 HUD-approved agency with an office in Campbell County; 1 says it serves in Spanish.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Cold Spring

No down payment, repair or rent-help program on our list is for Cold Spring or Campbell County. The ones below are statewide in Kentucky: they work in Cold Spring the same as in the rest of the state.

Which programs do I qualify for? All programs in Kentucky

  • KHC Down Payment Assistance (DPA)

    Statewide in Kentucky

    Kentucky state corporation loan of up to $12,500 for the down payment and closing costs, repaid over 15 years as a second loan, for buyers who take a KHC mortgage. Offered by Kentucky Housing Corporation (KHC).

    Repayable

    See the program Official page

Housing counselors near Cold Spring

The HUD-approved agencies closest to the center of Cold Spring, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Catholic Charities, Diocese of Covington

    3629 Church St, Covington · 4 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (859) 581-8974

  • Brighton Center, Incorporated

    799 Ann Street, Newport · 6 miles away · Spanish

    Also serves in Portuguese.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 9 more
    (859) 491-8303

  • Legal Aid of the Bluegrass

    104 E 7th St, Covington · 6 miles away · Spanish

    • Mortgage delinquency and default
    • Homelessness services
    • and 2 more
    (859) 431-8200

Every agency in Campbell County All counseling agencies in Kentucky

Help in Spanish near Cold Spring

3 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Cold Spring

HUD’s record names them for Cold Spring or Campbell County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Campbell County Department of Housing Section 8 vouchers (859) 261-5200

2 other authorities have an office in Campbell County: see the list Source: HUD

Cities

Other cities in Campbell County

These cities are also in Campbell County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Campbell County Housing in Kentucky

Nearby cities

The cities closest to Cold Spring, with the typical home value.

Neighboring counties

If Campbell County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Cold Spring.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Cold Spring

Short answers with the numbers for Cold Spring and all of Campbell County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Cold Spring?

The typical home value in Cold Spring is $253,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Campbell County it is $252,000.

How much does it cost to rent in Cold Spring?

Typical rent in Cold Spring is $1,191 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Campbell County is $1,442.

What is the FHA loan limit in Cold Spring?

Cold Spring uses the FHA limit for all of Campbell County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Cold Spring?

The typical homeowner in Cold Spring pays $2,369 a year, according to the U.S. Census Bureau. That is 0.93% of the home’s value; in Campbell County, the rate is 1.01%.

Where can I find free help to buy or rent in Cold Spring?

There is 1 HUD-approved counseling agency with an office in Campbell County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).