What income do you need to buy a house in Cold Spring, KY?

It takes about $87,000/yr to afford the typical Cold Spring, KY home ($306K, +3.8% past year) at today's rates. Starter homes run around $219K. See if you can afford a house in Cold Spring (2026 data) — free, no signup.

Market snapshot (2026-07)

• Income needed to buy the typical home: about $87,000/yr (28% front-end ratio, 20% down, 6.76% 30-yr fixed, KY property tax and insurance)
• Typical home value: $306K (Zillow ZHVI, 2026-07)
• 1-year change: +3.8%
• Bottom 35% of homes: $219K
• Top 35% of homes start around: $441K
• Median household income: $75K
• Price-to-income ratio: 4.1
• Estimated payment on the typical home: $1,592/mo principal & interest (20% down, 6.76% 30-yr fixed)

Nearby housing markets

• Highland Heights, KY — typical home $210K
• Taylor Mill, KY — typical home $286K
• Alexandria, KY — typical home $347K
• Covington, KY — typical home $223K
• Fort Thomas, KY — typical home $379K
• Newport, KY — typical home $246K

The most affordable cities to buy a house in Kentucky

Home values are Zillow Group public data (ZHVI, updated monthly); income and population are US Census Bureau ACS 5-year estimates. Estimates only — not financial advice.

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