How much do homeowners pay a month in Cold Spring, MN?

Name: Homeowner costs in Cold Spring, MN, 2020–2024
Creator: US Census Bureau
License: https://www.census.gov/data/developers/about/terms-of-service.html

Homeowners with a mortgage in Cold Spring, MN pay a median of $1,770 (±$227) a month in selected owner costs (2020–2024 American Community Survey).

Owners without a mortgage pay $656 (±$40).

64.1% of owned homes carry a mortgage.

In Cold Spring, the median monthly cost with a mortgage went from $1,232 in 2015–2019 to $1,770 in 2020–2024 (+43.7%).

Prices (CPI-U) rose 22.7% over the same years, so it rose faster than prices: a measurable increase after inflation.

Figures last updated on November 12, 2026.

With a mortgage: $1,770 (±$227)
Without a mortgage: $656 (±$40)
Owned with a mortgage: 64.1%

Monthly owner costs in Cold Spring

Median selected monthly owner costs, estimate (90% margin of error)
	Cold Spring	Stearns County	Minnesota	United States
With a mortgage	$1,770 (±$227)	$1,696 (±$24)	$1,947 (±$7)	$1,963
Without a mortgage	$656 (±$40)	$646 (±$12)	$698 (±$3)	$638
Owned homes with a mortgage	64.1% (±10.6 points)	59.1% (±1.5 points)	64.0% (±0.2 points)	60.6%
Median real estate taxes (a year)	$2,723 (±$320)	$2,742 (±$53)	$3,357 (±$10)	$3,119

Selected monthly owner costs are the mortgage payment, property taxes, insurance, utilities, fuels and any condominium or mobile-home fees.

In Cold Spring, the median cost with a mortgage is not measurably different from Stearns County ($1,696).

It is not measurably different from Minnesota ($1,947).

It is not measurably different from the national figure ($1,963).

In Stearns County, Cold Spring ranks 35 of 63 places with a published estimate, from highest to lowest median monthly cost with a mortgage.

Statewide, it ranks 1042 of 2,496.

Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.

How owner costs in Cold Spring have changed since 2015–2019

2015–2019 and 2020–2024 American Community Survey 5-year estimates
	2015–2019	2020–2024	Amount of change	Verdict
Median owner cost with a mortgage	$1,232 (±$80)	$1,770 (±$227)	+43.7%	Up after inflation
Median real estate taxes	$1,910 (±$126)	$2,723 (±$320)	+42.6%	Up after inflation
Median home value	$170,300 (±$6,562)	$280,400 (±$39,180)	+64.7%	Up after inflation

The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.

Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.

The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.

Median monthly cost with a mortgage in places near Cold Spring

Nearest places with a published estimate, compared with Cold Spring
Place	Distance	Median monthly cost with a mortgage	Compared with this place
Cold Spring	—	$1,770 (±$227)	—
Wakefield Township	1.7 mi	$1,958 (±$174)	Not measurably different
Richmond	4.1 mi	$1,500 (±$84)	Lower
Rockville	5.3 mi	$2,094 (±$326)	Not measurably different
Collegeville Township	6.4 mi	$2,266 (±$158)	Higher
Luxemburg Township	6.4 mi	$1,941 (±$171)	Not measurably different
St. Joseph Township (Stearns County)	7.2 mi	$2,316 (±$170)	Higher
Munson Township	7.4 mi	$2,105 (±$160)	Higher
Farming Township	9.3 mi	$1,978 (±$150)	Not measurably different

Nearby places with a measurably lower figure: Richmond, MN ($1,500).

Nearby places with a measurably higher figure: Collegeville Township, MN ($2,266), St. Joseph Township (Stearns County), MN ($2,316), Munson Township, MN ($2,105).

Distance is measured in a straight line between the Census Bureau’s internal points for each place.

Median monthly cost with a mortgage across Stearns County, place by place

Rank	Place	Median monthly cost with a mortgage
29	St. Anthony (Stearns County)	$1,875 (±$849)
30	Avon Township	$1,869 (±$237)
31	Melrose Township	$1,868 (±$710)
32	Brockway Township	$1,798 (±$185)
33	Lake George Township (Stearns County)	$1,792 (±$233)
34	Crow Lake Township	$1,775 (±$322)
35	Cold Spring	$1,770 (±$227)
36	Spring Hill	$1,760 (±$382)
37	Getty Township	$1,738 (±$807)
38	Crow River Township	$1,708 (±$939)
39	St. Wendel Township	$1,694 (±$148)
40	St. Martin	$1,672 (±$129)
41	St. Joseph	$1,669 (±$97)

Showing 13 of 63 places in Stearns County, ranked from highest to lowest.

Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.

Margins of error are at the 90% confidence level.

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Questions about Cold Spring

What is the average mortgage payment in Cold Spring?

The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Cold Spring, MN is $1,770 (±$227) a month, including taxes, insurance and utilities.

How much does it cost to own a paid-off home in Cold Spring?

Owners without a mortgage in Cold Spring pay a median of $656 (±$40) a month in taxes, insurance, utilities and fees.

Has the cost of owning a home in Cold Spring gone up?

In Cold Spring, the median monthly cost with a mortgage went from $1,232 in 2015–2019 to $1,770 in 2020–2024 (+43.7%).

Prices (CPI-U) rose 22.7% over the same years, so it rose faster than prices: a measurable increase after inflation.

Sources

To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) and detailed tables (acs/acs5) for Cold Spring city, Minnesota (place:12484, in state:27).

Each estimate (E or PE) has a margin of error beside it (M or PM).

The 2015–2019 figures are B25088_002E, B25088_002M, B25103_001E, B25103_001M, B25077_001E, B25077_001M from the 2019 release.

The API needs a free key.

Request a Census API key.

DP04_0101E, DP04_0101M, DP04_0109E, DP04_0109M, DP04_0091PE, DP04_0091PM, B25103_001E, B25103_001M

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.

Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.