Market Overview
Home Prices in Cold Spring, KY
The median home value in Cold Spring, KY is $307,988 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 4.1% compared to a year ago and up 2.3% from two years prior.
Compared to the U.S. national median of $410,000, homes in Cold Spring are priced25% below average. Cold Spring is part of the Cincinnati, OH-KY-IN metro area.
Over the past five years, Cold Spring home values have risen by approximately24.4%, reflecting strong long-term appreciation in this market.
Price History
Cold Spring Home Price Trend
City Comparison
Cold Spring vs. National Median
At $307,988, homes in Cold Spring cost 25% below the national median of $410,000. This makes Cold Spring a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Cold Spring?
20% Down Payment
$61,598
on $307,988
Monthly P&I
$1,606/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,040/mo
incl. taxes & insurance
Income Needed
$81,600
gross annual (30% rule)
10% Down Option
$30,799
+ PMI applies
Loan Amount (20% dn)
$246,390
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Cold Spring, KY?
The median home value in Cold Spring is $307,988 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 4.1% year-over-year.
How much have home prices changed in Cold Spring?
Over the past year, home values in Cold Spring have increased by 4.1%. Over five years, prices have risen approximately 24.4%.
How much do I need to earn to buy a home in Cold Spring?
To comfortably afford the median home price of $307,988 with a 20% down payment ($61,598) at today's rates (6.8%), you'd need a gross annual income of approximately $81,600. This assumes keeping total housing costs at or below 30% of gross income.
How does Cold Spring compare to the national average home price?
The national median home value is approximately $410,000. At $307,988, homes in Cold Spring are 25% below the national average.
What metro area is Cold Spring part of?
Cold Spring is part of the Cincinnati, OH-KY-IN metropolitan area. Home prices and market conditions can vary across the broader metro region.