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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Cold Spring, KY Housing Affordability Index

Cold Spring, Kentucky has an MBR Housing Affordability Index score of 107.9 (Near National Average) as of October 30, 2026, ranking 373rd most affordable of 431 scored Kentucky cities, compared with 120.8 statewide and 97.4 nationally. On a median-priced $253,600 home with 20% down, the Kentucky average 30-year fixed rate of 7.27% means a monthly principal and interest payment of about $1,386, or 22% of the city’s $75,000 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Cold Spring is updated every night from live Kentucky mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Cold Spring MBR-HAI 107.9 Near National Average
Rank in Kentucky 373 of 431 1 = most affordable
Kentucky 120.8 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.27% Kentucky lenders
Median home value $253,600 U.S. Census Bureau

Cold Spring is 12.9 points below the Kentucky score. Scores as of October 30, 2026. See the Kentucky index

View Cold Spring Mortgage Rates

What It Takes to Buy in Cold Spring

$1,386/mo
Principal & Interest
Median home, 20% down, 7.27%
$59,400
Income Needed
To keep the payment at 28% of income
$75,000
Median Household Income
Kentucky: $63,726
3.4x
Price-to-Income Ratio
Kentucky: 3.2x
$1,226/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,332/yr
Median Property Tax
0.92% of median value
26.2%
Owner Cost Burden
Owners spending 30%+ of income on housing
64.3%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Cold Spring, Kentucky. The rate is the Kentucky average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Cold Spring Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Cold Spring, Kentucky score: 107.9 (Near National Average), ranked 373 of 431 Kentucky cities. monitorbankrates.com/housing-affordability-index/kentucky/cold-spring”