What is the cost of living in Cold Spring, KY?
According to the most recent data on the cost of living, Cold Spring has an overall cost of living index of 99, which is 1.0x lower than the national index of 100.
Compared to Kentucky, Cold Spring has a cost of living index that's 1.1x higher than Kentucky's index of 89.
The standard of living in Cold Spring ranks as #69 most affordable out of the 85 places we measured in Kentucky. By definition, that implies Cold Spring ranks as the #16 most expensive place in the Bluegrass State.
For more reading on life in Cold Spring, check out:
Cold Spring Cost Of Living Vs. Kentucky
Six factors go into calculating the cost of living index in Cold Spring. Here is how it fares on each of the criteria:
The Services index in Cold Spring is 97.
The Groceries index in Cold Spring is 95.
The Health index in Cold Spring is 101.
The Housing index in Cold Spring is 96.
The Transportation index in Cold Spring is 96.
The Utilities index in Cold Spring is 95.
| Living Expense | Cold Spring | Kentucky | National Average |
|---|---|---|---|
| Overall | 99 | 89 | 100 |
| Services | 97 | 100 | 100 |
| Groceries | 95 | 98 | 100 |
| Health | 101 | 68 | 100 |
| Housing | 96 | 98 | 100 |
| Transportation | 96 | 95 | 100 |
| Utilities | 95 | 96 | 100 |
Cold Spring Cost Of Living Compared To Kentucky Averages
Index where 100 = national average. Source: cost-of-living index 2026.
For more reading on cost of living around Kentucky, check out:
Protect your home budget Compare home warranties in Cold Spring Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Cold Spring, KY Housing Cost Breakdown
Housing swings affordability the most between places in Kentucky, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2020-2024. The key points are:
The Median Home Value in Cold Spring is $302,336.
The Median Rent in Cold Spring is $1,191.
The Median Income in Cold Spring is $75,000.
The Home Value To Income in Cold Spring is 4.0x.
The Rent To Monthly Income in Cold Spring is 0.19x.
| Statistic | Cold Spring | Kentucky | United States |
|---|---|---|---|
| Median Home Value | $302,336 | $231,894 | $332,700 |
| Median Rent | $1,191 | $967 | $1,413 |
| Median Income | $75,000 | $63,726 | $80,734 |
| Home Value To Income | 4.0x | 3.6x | 4.1x |
| Rent To Monthly Income | 0.19x | 0.18x | 0.21x |
Cold Spring, KY Costs By Category
Detailed Cold Spring Services costs vs. Kentucky
| Item | Cold Spring | Kentucky |
|---|---|---|
| Shampoo | $1.27 | $1.28 |
| Movie | $14.35 | $12.13 |
| Bowling | $17.56 | $18 |
| Haircut | $25.13 | $24.26 |
| Beauty Salon | $37.93 | $45.56 |
Detailed Cold Spring Groceries costs vs. Kentucky
| Item | Cold Spring | Kentucky |
|---|---|---|
| Ground Beef | $5.91 | $5.84 |
| Fried Chicken | $1.72 | $1.57 |
| Milk | $4.8 | $4.67 |
| Potatoes | $5.05 | $4.93 |
| Pizza | $11.92 | $12.09 |
| Beer | $10.63 | $10.41 |
| Toothpaste | $3.6 | $3.7 |
Detailed Cold Spring Health costs vs. Kentucky
| Item | Cold Spring | Kentucky |
|---|---|---|
| Optometrist | $105.42 | $125.68 |
| Doctor | $159.4 | $135.78 |
| Dentist | $106.67 | $113.29 |
Detailed Cold Spring Transportation costs vs. Kentucky
| Item | Cold Spring | Kentucky |
|---|---|---|
| Gasoline | $3.27 | $3.46 |
| Tire Balancing | $73.09 | $59.92 |
Detailed Cold Spring Utilities costs vs. Kentucky
| Item | Cold Spring | Kentucky |
|---|---|---|
| All Electricity | $197.1 | $193.99 |
| Phone | $186.48 | $192.25 |
Cold Spring SnackAbility
Cost Of Living In Cities Around Cold Spring
The cost of living varies in the cities and towns around Cold Spring. Here's a quick look at the cost of living in the most populous nearby places:
Monfort Heights, OH has a cost of living index of 94, 0.9x Cold Spring.
Mack, OH has a cost of living index of 104, 1.1x Cold Spring.
Montgomery, OH has a cost of living index of 122, 1.2x Cold Spring.
| City | Population | Cost Of Living | Vs. Cold Spring |
|---|---|---|---|
| Monfort Heights, OH | 12,441 | 94 | 0.9x |
| Mack, OH | 11,516 | 104 | 1.1x |
| Montgomery, OH | 10,855 | 122 | 1.2x |
| Forestville, OH | 10,831 | 106 | 1.1x |
| Alexandria, KY | 10,562 | 98 | 1.0x |
| Madeira, OH | 9,484 | 118 | 1.2x |
| Wyoming, OH | 8,723 | 116 | 1.2x |
| Kenwood, OH | 8,326 | 108 | 1.1x |
| Dry Run, OH | 7,687 | 116 | 1.2x |
| Taylor Mill, KY | 6,937 | 94 | 0.9x |
