The Town FilesCold Spring, Kentucky
City in Campbell County · population 6,216 (2020 Census)
- Median home
- $253,600
- Household income
- $75,000
- Jan low / Jul high
- 24° / 87°
- Snow a year
- 18 in
- Tornadoes ≤10 mi since 1950
- 17
- Median age
- 52.0
Cold Spring is a city of 6,216 people in Campbell County, Kentucky. The median home is worth $253,600, above the typical Kentucky town ($161,450). It ranks better for first-time buyers than 91% of Kentucky towns, better transit than 90% of Kentucky towns, better for young professionals than 88% of Kentucky towns.
How Cold Spring ranks
Percentile among Kentucky towns with at least 500 people on The Town Files lifestyle rankings. 50 is typical for the state; 90 means better than 90% of Kentucky towns.
Homes and cost of living
The median home in Cold Spring is worth $253,600, above the typical Kentucky town ($161,450). Homes cost about 3.4 times the median household income of $75,000, which is more affordable than 31% of Kentucky towns. Median rent is $1,191 a month. 89.1% of households own their home.
| Housing | Cold Spring | Typical Kentucky town |
|---|---|---|
| Median home value | $253,600 | $161,450 |
| Median rent | $1,191 | $837 |
| Median household income | $75,000 | $54,969 |
| Home value ÷ income | 3.4× | 3.0× |
| Homeownership | 89.1% | 63.5% |
| Median year built | 1999 | 1974 |
| Seasonal / vacation homes | 0.0% | — |
Who lives in Cold Spring
| People | Cold Spring | Typical Kentucky town |
|---|---|---|
| Median age | 52.0 | 39.1 |
| Age 65 and over | 30.3% | 18.1% |
| Under 18 | 15.8% | — |
| Bachelor's degree or higher | 42.6% | 19.8% |
| Below the poverty line | 9.9% | 18.0% |
| Veterans | 7.4% | — |
| Born outside the U.S. | 3.5% | — |
| Work from home | 22.9% | 7.5% |
| Average commute | 21.6 min | 22.2 min |
| Homes with broadband | 96.4% | 88.6% |
Weather in Cold Spring
July highs average 86.6°F and January lows 23.6°F. About 43.4 inches of rain and melted snow fall a year, with 17.7 inches of snow (typical Kentucky town: 9.4 in). Expect about 27 days a year at 90°F or hotter and 102 nights at or below freezing.
Tornadoes, storms and disasters
17 tornadoes have passed within 10 miles of Cold Spring since 1950, compared with 19 for the typical Kentucky town. 2 rated (E)F2 or stronger. The strongest, an F2, struck on July 11, 1958 about 6.8 miles from the town center. The most recent was on July 21, 2026.
Hail of 1 inch or larger has been reported within 10 miles 85 times; the largest was 2.75 inches on April 8, 1998.
Severe weather in Campbell County since 1996
Campbell County has been included in 17 federal disaster or emergency declarations since 1953, most often for flood, hurricane, snowstorm.
| Declared | Incident | Declaration |
|---|---|---|
| January 24, 2026 | Winter Storm | EM-3633: Severe Winter Storm |
| April 24, 2025 | Severe Storm | DR-4864: Severe Storms, Straight-Line Winds, Tornadoes, Flooding, Landslides, And Mudslides |
| April 3, 2025 | Severe Storm | EM-3626: Severe Storms, Straight-Line Winds, Tornadoes, And Flooding |
| February 16, 2025 | Severe Storm | EM-3624: Severe Storms, Straight-Line Winds, Flooding, And Landslides |
| March 28, 2020 | Biological | DR-4497: Covid-19 Pandemic |
Jobs and pay in Campbell County
Campbell County had 31,709 jobs in 2024, paying an average of $57,401 a year. Unemployment was 3.6% in 2023; in Cold Spring itself the ACS puts it at 2%.
Public schools in Cold Spring
3 public schools with 987 students, about 15.2 students per teacher.
| School | Grades | Students | Per teacher |
|---|---|---|---|
| Crossroads Elementary School | PK-5 | 604 | 14.7 |
| Donald E. Cline Elementary School | PK-5 | 383 | 16.7 |
| Regional School Programs | K-12 | — | — |
Towns near Cold Spring
- Highland Heights, KY1.8 mi · 6,662 people · home $169,700
- Wilder, KY3.1 mi · 3,176 people · home $159,900
- Taylor Mill, KY3.5 mi · 6,873 people · home $241,000
- Southgate, KY3.9 mi · 3,648 people · home $190,800
- Alexandria, KY4.3 mi · 10,341 people · home $284,800
- Salem Heights, OH4.4 mi · 3,862 people · home $245,200
- Covington, KY4.8 mi · 40,961 people · home $187,300
- Fort Thomas, KY4.8 mi · 17,438 people · home $335,000
Cold Spring questions
Is Cold Spring, Kentucky a good place to retire?
On The Town Files lifestyle rankings, Cold Spring scores better for retirees than 76% of Kentucky towns and quieter than 34%. 30.3% of residents are 65 or older (median age 52.0).
How much does a house cost in Cold Spring?
The median owner-occupied home in Cold Spring is valued at $253,600 (Census ACS 2020–2024), against a median household income of $75,000, so homes cost about 3.4 times income. Median rent is $1,191 a month.
What is the weather like in Cold Spring?
July highs average 86.6°F and January lows 23.6°F (NOAA 1991–2020 normals). It gets about 43.4 inches of precipitation a year and 17.7 inches of snow.
Does Cold Spring get tornadoes?
17 tornadoes have passed within 10 miles of Cold Spring since 1950 (NOAA Storm Events); the strongest was a F2 on July 11, 1958. The typical Kentucky town has had 19.
- U.S. Census Bureau, American Community Survey 5-year estimates (2020–2024)
- U.S. Census Bureau, 2020 Census and 2025 Gazetteer (2020 / 2025)
- NOAA NCEI U.S. Climate Normals (1991–2020)
- NOAA NCEI Storm Events Database (1950–2026)
- FEMA OpenFEMA Disaster Declarations (this product uses the FEMA OpenFEMA API but is not endorsed by FEMA) (1953–2026)
- NCES Common Core of Data (2023–24)
- BLS Quarterly Census of Employment and Wages; USDA ERS county unemployment (BLS LAUS) (2000–2024)
- The Town Files lifestyle rankings, built from federal demographic, school, crime and housing data (2025)