What is the median household income in Cold Spring, MN?

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

The median household income in Cold Spring, MN is $72,228 (±$19,414) a year (2020–2024 American Community Survey).

Paying the median gross rent of $1,424 a month would take about $57,000 a year at the common guideline of spending no more than 30% of income on rent.

In Cold Spring, the median household income went from $61,548 in 2015–2019 to $72,228 in 2020–2024 (+17.4%).

Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.

Figures last updated on November 12, 2026.

Median household income: $72,228 (±$19,414)
Median renter income: $43,503 (±$12,938)
Income to afford median rent: about $57,000

Income in Cold Spring against Stearns County, its state and the nation

Income, estimate (90% margin of error)
	Cold Spring	Stearns County	Minnesota	United States
Median household income	$72,228 (±$19,414)	$77,066 (±$1,832)	$89,062 (±$409)	$80,734
Median renter household income	$43,503 (±$12,938)	$42,826 (±$2,417)	$51,080 (±$531)	$52,966
Median owner household income	$97,083 (±$23,376)	$96,893 (±$2,055)	$108,214 (±$476)	$100,009
Median gross rent	$1,424 (±$316)	$1,068 (±$42)	$1,280 (±$7)	$1,413

In Cold Spring, median household income is not measurably different from Stearns County ($77,066).

It is not measurably different from Minnesota ($89,062).

It is not measurably different from the national figure ($80,734).

In Stearns County, Cold Spring ranks 49 of 63 places with a published estimate, from highest to lowest median household income.

Statewide, it ranks 1738 of 2,568.

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

How much you need to earn to rent in Cold Spring

Many landlords and housing programs use 30% of gross income as the most a household should spend on rent.

At that guideline, the median gross rent of $1,424 a month ($17,088 a year) needs an income of about $57,000 a year.

The median renting household in Cold Spring earns $43,503 a year, less than that.

This is arithmetic on the published medians, not a rule any landlord must follow; screening criteria vary and some places limit how income may be weighed.

Income against housing costs since 2015–2019

2015–2019 and 2020–2024 American Community Survey 5-year estimates
	2015–2019	2020–2024	Amount of change	Verdict
Median household income	$61,548 (±$8,282)	$72,228 (±$19,414)	+17.4%	No measurable change after inflation
Median gross rent	$942 (±$114)	$1,424 (±$316)	+51.2%	No measurable change 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 household income in places near Cold Spring

Nearest places with a published estimate, compared with Cold Spring
Place	Distance	Median household income	Compared with this place
Cold Spring	—	$72,228 (±$19,414)	—
Wakefield Township	1.7 mi	$108,333 (±$14,866)	Higher
Richmond	4.1 mi	$71,438 (±$19,281)	Not measurably different
Rockville	5.3 mi	$105,329 (±$14,903)	Higher
Collegeville Township	6.4 mi	$115,909 (±$14,204)	Higher
Luxemburg Township	6.4 mi	$97,000 (±$22,220)	Not measurably different
St. Joseph Township (Stearns County)	7.2 mi	$100,000 (±$12,896)	Higher
Munson Township	7.4 mi	$121,000 (±$16,061)	Higher
Farming Township	9.3 mi	$95,417 (±$9,508)	Higher

Nearby places with a measurably higher figure: Wakefield Township, MN ($108,333), Rockville, MN ($105,329), Collegeville Township, MN ($115,909).

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

Median household income across Stearns County, place by place

Rank	Place	Median household income
43 (tie)	Holdingford	$79,375 (±$9,357)
43 (tie)	Lake Henry Township	$79,375 (±$30,182)
45	Getty Township	$76,563 (±$32,803)
46	Paynesville	$75,250 (±$14,663)
47	St. Joseph	$74,946 (±$14,394)
48	Greenwald	$72,625 (±$11,419)
49	Cold Spring	$72,228 (±$19,414)
50	Richmond	$71,438 (±$19,281)
51	Albany	$69,167 (±$14,363)
52	Lake George Township (Stearns County)	$68,750 (±$7,503)
53	Kimball	$66,146 (±$13,053)
54	Raymond Township	$65,625 (±$26,668)
55	Sauk Centre	$62,628 (±$13,665)

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 median household income in Cold Spring?

The median household income in Cold Spring is $72,228 (±$19,414) a year (2020–2024 American Community Survey).

How much do you need to make to afford rent in Cold Spring?

About $57,000 a year, if rent is to stay at or below 30% of income at the median gross rent of $1,424 a month.

Have incomes in Cold Spring kept up with inflation?

In Cold Spring, the median household income went from $61,548 in 2015–2019 to $72,228 in 2020–2024 (+17.4%).

Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.

What do renters earn in Cold Spring?

The median renting household in Cold Spring, MN earns $43,503 (±$12,938) a year.

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 B19013_001E, B19013_001M, B25064_001E, B25064_001M, B25077_001E, B25077_001M from the 2019 release.

The API needs a free key.

Request a Census API key.

DP03_0062E, DP03_0062M, B25119_003E, B25119_003M, B25119_002E, B25119_002M, DP04_0134E, DP04_0134M

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.