Cost Of Living in Cold Spring, KY

Get 300+ Local Insights for Any Address in Cold Spring, KY

Get Access to 300+ Local Data Points

A+

3%

Overall NAT. AVG.

3%

Groceries NAT. AVG.

1%

Housing NAT. AVG.

Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.

The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index	Cold Spring	Kentucky	National
Cost of living	97	88	100
Groceries	97	98	100
Health care	95	97	100
Housing	101	70	100
Transportation	95	96	100
Utilities	95	95	100
Lifestyle & Entertainment	93	95	100
Household Items	97	97	100
Education & Childcare	92	94	100

Does this Area Fit Your Budget?

Know the community before you call it home
Compare multiple areas side by side
Access over 300 data points for any address

GET REPORT →

Homes For Sale In Cold Spring, KY

119 Hidden Ridge Ct Unit 2D

Highland Heights, KY

712 Valleyside Dr

Cold Spring, KY

799 Slate Vw

Newport, KY

700 Monterey Ln #300

Cold Spring, KY

Cost Of Living Quick Facts

The cost of living in Cold Spring is 10% higher than the Kentucky average
The cost of living in Cold Spring is 3% lower than the national average
Cold Spring housing is 1% higher than the national average
Kentucky general sales tax is 18% higher than the national average
Kentucky state income tax is 73% higher than the national average

Most Affordable Places to Live in and Around Cold Spring

See all the best places to live around Cold Spring

Compare Cold Spring, KY Cost of Living

Write a review to give others more information about this area.

See all Cold Spring poll results

The best places in Kentucky

Here are the best places to live in Kentucky

Most Dangerous Cities In The US

Check out the 10 most dangerous cities in Kentucky

Safest States In The US

Salary Calculator

This is how much you would need to earn in

Price difference in compared to

Cost of living index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
Lifestyle index
Household index
Educare index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$111,813	$9,318	$2,609	$3,355
Renters	$69,682	$5,807	$1,626	$2,091

The percentage of monthly income spent on housing related expenses can help predict the affordability of housing in Cold Spring, KY, as well as what the overall cost of living might be. Generally, a good rule to follow is that the debt-to-income (DTI) level you want to maintain is 28 percent or less of your income on your rent or mortgage payments and not more than 36 percent of income on all expenses and debts. In Cold Spring, homeowners have a median income of $111,813. Using that number, a maximum of $2,609 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $69,682, which means there is a maximum of $1,626 to be spent on the costs of renting a home or apartment.

Kentucky Sales Tax

State	General Sales Tax	With Max Surtax
Kentucky	6%	6%

Kentucky Income Tax

State	Income Tax (Low)	Income Tax (High)
Kentucky	4.5%	4.5%

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Plainville, OH	159	97	3.4%
Dillonvale village, OH	667	80	20.2%
Elmwood Place, OH	2,132	80	19.8%
Moscow, OH	98	80	19.6%
Arlington Heights, OH	855	82	18.1%
Cold Spring, KY	6,659	97	3.2%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
San Martin, CA	6,657	216	116.3%
Aztec, NM	6,661	94	6.5%
Eucalyptus Hills, CA	6,662	170	69.9%
Ladera Heights, CA	6,655	227	126.7%
North Riverside, IL	6,655	110	9.6%
Cold Spring, KY	6,659	97	3.2%