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Featured local agent — Cold Spring, NY
Sarah Mitchell
Compass Real Estate · Cold Spring, NY
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Cold Spring, NY Housing Market
The typical home in Cold Spring, NY is worth $743,900, rose 4.8% over the past year (Zillow Home Value Index, July 2026). The last median sale price Redfin published was $710,000 (through May 2026). With 6.0 months of supply and homes going under contract in about 183 days, Cold Spring is a leaning buyer's. At today's 6.66% 30-year fixed rate, 20% down on a $743,900 home is about $3,824/mo in principal and interest.
Key numbers for Cold Spring, NY
Typical home value
$743,900
+4.8% in 12 months
Zillow, July 2026
Median sale price
$710,000
Last published period
Redfin, through May 2026
Days on market
183
Slow-moving
Redfin, through May 2026
Active listings
6
6.0 months of supply
Redfin, through May 2026
30-yr fixed rate
6.66%
Freddie Mac weekly average
Freddie Mac via FRED, August 2026
Median household income
$116,635
Home costs 6.4x income
U.S. Census ACS, 2023
Sale-to-list ratio
101.4%
Selling above asking
Redfin, through May 2026
Zillow figures are as of July 2026 and refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Cold Spring a buyer's or seller's market?
Cold Spring, NY is a leaning buyer's, based on 6.0 months of supply and homes selling in about 183 days. Above 5 months of supply, homes start accumulating faster than they clear, which is where buyers gain leverage on price, repairs, and closing costs.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Cold Spring housing market data show?
Every row below is Redfin's final published month for Cold Spring, NY. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $710,000 |
| Median list price | $995,000 |
| Median price per sq ft | $271/sq ft |
| Median days on market | 183 days |
| Active inventory | 6 listings |
| Months of supply | 6.0 months |
| Sale-to-list price ratio | 101.4% |
| Homes sold (that month) | 1 |
| New listings (that month) | 3 |
| Market condition | Leaning buyer's |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Cold Spring is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Cold Spring is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Cold Spring home prices moved?
Over the last three years the median sale price in Cold Spring, NY rose 18.3%, from $600,000 to $710,000. The live Zillow value series has rose 4.8% in the last 12 months, which is the more current read now that Redfin's series has stopped. For prices to fall meaningfully from here, supply would have to keep building past 6.0 months while the sale-to-list ratio slips below its current 101.4%. Watch those two together — they move before the median does.
Redfin, through May 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Cold Spring?
Priced off the typical home value of $743,900 at the current 6.66% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $148,780 | $595,120 | $3,824/mo |
| 5% | $37,195 | $706,705 | $4,541/mo |
Zillow, July 2026 for the price · Freddie Mac via FRED, August 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $3,824, that implies roughly $163,903 a year before you add taxes and insurance. The median household in Cold Spring earns $116,635, about $47,268 short of that threshold — the typical local household needs a larger down payment, a co-borrower, or a home below the typical home value to fit the 28% rule. That puts the price-to-income ratio at 6.4x — well above the 3x that was historically considered affordable, which is why down payment size drives who can buy here.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Cold Spring in the next 12 months?
Tell us your timeline. We send the Cold Spring market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Cold Spring?
Zillow does not publish a rent index (ZORI) for Cold Spring, NY, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in Cold Spring?
Active listings in Cold Spring, NY went from 8 in December 2024 to 6 in May 2026, a -25.0% change. Falling inventory tightens competition. When supply drops while demand holds, sale-to-list ratios rise before the median sale price does.
| Month | Active listings | New listings |
|---|---|---|
| January 2025 | 5 | 1 |
| February 2025 | 3 | not published |
| March 2025 | 3 | 1 |
| April 2025 | 5 | 2 |
| July 2025 | 1 | 1 |
| August 2025 | 5 | 1 |
| September 2025 | 5 | 3 |
| October 2025 | 5 | 2 |
| November 2025 | 3 | 1 |
| December 2025 | 3 | not published |
| April 2026 | 6 | 4 |
| May 2026 | 6 | 3 |
Redfin, through May 2026
How does Cold Spring compare to New York and the U.S.?
Cold Spring homes sell for $710,000 — 14% above the New York median of $620,500. Against the national median of $410,700, Cold Spring runs 73% higher.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Cold Spring, NY | $710,000 | not published | 183 days |
| New York statewide | $620,500 | +5.1% | 42 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through May 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Cold Spring
What buyers should watch
- Months of supply, currently 6.0. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The gap between 5% and 20% down here is $717 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 6.66%, every full point of rate change moves the payment on a $743,900 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Cold Spring listing goes under contract in 183 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 101.4% of asking. Price at the number you want and let competition do the rest.
- In the last published month Cold Spring added 3 new listings against 1 sales — more competition arriving than clearing, so early timing matters.
- Your equity moved +4.8% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside Cold Spring varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Cold Spring
There are currently 6 homes listed for sale in Cold Spring, New York. The median listing price is $995K.
Active listings
6
Homes on market
Median list price
$995K
Avg. days on market
183
Days until sale
New this week
3
Newly listed
How much do homes cost in Cold Spring by property type?
How the Cold Spring, NY market breaks down across single-family homes, condos and townhouses. Redfin, through May 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $1.10M | $392/sq ft | 1 | 287 days |
| Condo / co-op | $710,000 | $271/sq ft | 1 | 183 days |
Who lives in Cold Spring?
American Community Survey estimates for Cold Spring. U.S. Census ACS, 2023
Population
1,868
Households
835
Median income
$116,635/yr
Median age
41.5 years
Owner-occupied
64.0%
Median home value
$590,600
Median gross rent
$1,734/mo
Mean commute
49.9 min
64.0% of occupied homes in Cold Spring are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market. The Census self-reported median home value is $590,600 against Zillow's $743,900 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions.
Which public schools serve Cold Spring?
3 schools tracked · 786 students
The largest public schools serving Cold Spring, NY by enrollment, drawn from the National Center for Education Statistics. School quality is a commonly cited factor in home-buying decisions — these are the campuses families in this area are most likely to encounter.
HALDANE HIGH SCHOOL
Grades 9-12 · 312 students
HALDANE ELEMENTARY SCHOOL
Grades K-5 · 302 students
HALDANE MIDDLE SCHOOL
Grades 6-8 · 172 students
Source: National Center for Education Statistics, Common Core of Data directory. Updated annually. Ratings and test scores are not currently displayed.
Which cities are near Cold Spring, NY?
Ordered by distance from Cold Spring, not by size. Compare Cold Spring side by side with any of them.
Cold Spring housing market FAQ
Is Cold Spring a buyer's or seller's market?
Cold Spring, NY is currently a leaning buyer's. That read comes from 6.0 months of supply, homes going under contract in about 183 days, and sellers getting 101.4% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Cold Spring?
The typical home in Cold Spring, NY is worth $743,900 (Zillow Home Value Index, July 2026). The median sale price in the last month Redfin published was $710,000, about $271 per square foot.
Is Cold Spring cheaper than the rest of New York?
Cold Spring's median sale price of $710,000 is 14% higher than the New York statewide median of $620,500, and 73% above the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Cold Spring?
Homes in Cold Spring, NY spent a median of 183 days on market before going under contract, versus 42 days statewide. Over two months means buyers have time to inspect, compare and negotiate. (Redfin, through May 2026.)
What income do you need to buy a home in Cold Spring?
At the current 30-year fixed rate of 6.66%, 20% down on a $743,900 home is about $3,824 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $163,903 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $116,635.
Are home prices rising in Cold Spring?
The typical home value in Cold Spring, NY rose 4.8% over the last 12 months, from $709,958 to $743,900 (Zillow, July 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Cold Spring?
Cold Spring ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Cold Spring?
That depends on your timeline, not on a headline. What the data says today: Cold Spring, NY is a leaning buyer's with 6.0 months of supply, the 30-year fixed rate is 6.66%. Properties Incorporated publishes the data; it does not give financial advice.
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