ZIP Code 41076 — Cold Spring city, KY Demographics & Data

ZIP code 41076 covers Cold Spring, KY in Campbell County with a population of about 17,145.

At a glance, the area shows median age of 38.2 (near the U.S. median).

It sits in telephone area code 859; U.S. House district KY-4; the CINCINNATI media market.

Cold Spring, KY sits in a university / college context (near northern kentucky university (1.7 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 41076 is about $72,387 — about 4% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 13.5%; unemployment rate near 2.4%; 43.7% of adults with a bachelor’s degree or higher (about 10.0 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Education; about 14.9% of workers reporting work-from-home (roughly in line with the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $203,800 — about 41% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $987 (about 15% below the U.S. median rent ($1,163)), and owner-occupancy near 75.3% (about 9.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 41076 in Cold Spring, KY, a household would need roughly $56,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,309. That sits below the local median household income ($72,387), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Cold Spring city, KY as Relatively Low (composite score 58.3), which is near the middle of the national distribution. The strongest component scores on US5 are flood (64.3) and wildfire (14.4). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Cold Spring city, KY show little to no average snow and around 43.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 640 for ZIP 41076 (Cold Spring city, KY) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.