Cold Spring city, Minnesota Demographics & Population 2026
As of 2026, Cold Spring city, Minnesota has a total population of 4,201, the 173rd largest city in Minnesota, with a median household income of $72,022, which is 18% lower than the state average. The poverty rate is 9.9%.
Cold Spring city Quick Facts
How Cold Spring city Compares
Median Household Income
Median Home Value
Economy & Housing
Household Income Distribution
Employment
Housing Overview
People & Demographics
Age Distribution
Race & Ethnicity
Diversity Index
A less diverse community where one racial or ethnic group represents a large majority.
State average: 40 | National average: 60
Education
Educational Attainment (Adults 25+)
Cold Spring city Rankings in Minnesota
Explore Minnesota Rankings
Other Cities in Stearns County
| City | Population | Median Income | Poverty | Home Value |
|---|---|---|---|---|
| St. Cloud city | 69,926 | $61,112 | 18.5% | $212,800 |
| Sartell city | 19,620 | $77,465 | 8.1% | $278,000 |
| St. Anthony city (Hennepin and Ramsey Counties) | 9,516 | $97,784 | 3.5% | $365,700 |
| Waite Park city | 8,341 | $56,884 | 24.1% | $217,000 |
| St. Joseph city | 7,024 | $75,217 | 21.6% | $240,300 |
| Sauk Centre city | 4,589 | $65,763 | 15.4% | $196,000 |
| Melrose city | 3,608 | $58,107 | 8.6% | $198,300 |
| St. Augusta city | 3,576 | $116,384 | 4.2% | $323,400 |
| Albany city | 2,800 | $75,417 | 3.6% | $226,000 |
| Rockville city | 2,521 | $101,447 | 5.0% | $327,400 |
Cities Similar to Cold Spring city
These cities in the same state have comparable population and economic profiles.
| City | Population | Median Income | Home Value | Bachelor's+ | Poverty |
|---|---|---|---|---|---|
| Le Sueur city | 4,204 | $71,563 | $216,700 | 24.3% | 17.3% |
| Goodview city | 4,104 | $75,375 | $215,200 | 34.6% | 4.5% |
| Cannon Falls city | 4,216 | $80,515 | $262,100 | 21.9% | 5.9% |
| Pipestone city | 4,165 | $61,442 | $102,000 | 24.1% | 16.0% |
| Norwood Young America city | 3,866 | $67,857 | $289,400 | 26.1% | 9.6% |
Population Overview
Cold Spring city is a small community located in Minnesota, within Stearns County. The total population is 4,201. It ranks as the 173rd most populous out of 913 cities and towns in Minnesota.
Age Demographics
The median age in Cold Spring city is 40.9 years. This is 6% higher than the state median of 38.6 years. 14.0% of residents are 75 or older, suggesting a significant retirement-age population with implications for healthcare services and senior housing.
Economy, Income & Housing
The median household income in Cold Spring city is $72,022. This is 18% lower than the state median of $87,556. Compared to the national median of $78,538, household income here is 8% lower. The poverty rate stands at 9.9%. This is 7% higher than the state poverty rate of 9.2%. The unemployment rate is 3.8%. This is 4% lower than the state rate of 3.9%. The median home value is $242,000. Housing costs are 21% lower than the state median of $305,500. The home-value-to-income ratio is 3.4x. 68.9% of occupied housing units are owner-occupied. This homeownership rate is 5% lower than the state average of 72.4%.
Race & Ethnicity
Cold Spring city has a predominantly White (non-Hispanic) population, comprising 92.5% of all residents. Hispanic or Latino residents account for 5.8%. The Black or African American population (0.1%) is well below the state average of 6.7%.
Education
29.1% of residents aged 25 and older hold a bachelor's degree or higher. This is 25% lower than the state rate of 38.8%. Nationally, 35.0% of adults hold at least a bachelor's degree. The high school graduation rate (or equivalent) is 92.3%.
Data Sources & Methodology
All demographic data for Cold Spring city, Minnesota is sourced from the U.S. Census Bureau's American Community Survey (ACS) 5-Year Estimates (2019-2023). The ACS collects data from approximately 3.5 million households annually, providing reliable estimates for communities of all sizes. Comparisons are made against Minnesota state averages and national averages calculated from the same dataset. Rankings reflect the city's position among all 913 Census-designated places in Minnesota. For official data, visit data.census.gov.
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Frequently Asked Questions
What is the population of Cold Spring city, Minnesota?
Cold Spring city, Minnesota has a population of 4,201 according to the most recent U.S. Census ACS 5-Year Estimates.
What is the median household income in Cold Spring city, MN?
The median household income in Cold Spring city is $72,022, which is 8% lower the national median of $78,538.
What is the poverty rate in Cold Spring city, MN?
The poverty rate in Cold Spring city is 9.9%. This means approximately 407 residents live below the federal poverty line.
What is the racial makeup of Cold Spring city, Minnesota?
Cold Spring city's population is 92.5% White, 0.1% Black, 5.8% Hispanic/Latino, and 0.0% Asian.
What is the median home value in Cold Spring city, MN?
The median home value in Cold Spring city is $242,000. The home-value-to-income ratio is 3.4x.
How educated is Cold Spring city, Minnesota?
29.1% of adults (25+) in Cold Spring city hold a bachelor's degree or higher, and 6.2% hold a graduate or professional degree.