Residential delivery area · New York
ZIP Code 10516: Cold Spring, NY
ZIP code 10516 uses the postal name Cold Spring, New York and lies entirely in Putnam County (Census 2020 ZIP-county file). About 5,400 people live there (Census Bureau, ACS 2020-2024). Median household income is $140,225 (Census Bureau, ACS 2020-2024). By Census place, its land lies in Nelsonville (3%) and Cold Spring (2%); 95% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Cold Spring · its only residential ZIP
- County
- Putnam County
- Census places
- Nelsonville (3%); Cold Spring (2%)
- Metro area
- New York-Newark-Jersey City, NY-NJ
- House district
- NY-17 119th Congress
- State
- New York
- Time zone
- Eastern
- Land area
- 31.5 sq mi · 170 people per sq mi
Where is ZIP code 10516?
10516 centers on 41.462°, -73.875° and covers 31.5 square miles of land plus 0.6 of water. It borders 5 ZIP codes: 12508, 10579, 12524, 10524, 12533.
The map draws ZIP code areas only. For the streets inside 10516, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 10516 compare with the rest of Putnam County?
| Measure | 10516 | In Putnam County | In NY |
|---|---|---|---|
| People (ACS 2020-2024) | 5,362 | 8th of 13 | 701st of 1,826 |
| Median household income | $140k | 3rd of 10 | 144th of 1,081 |
| Median home value | $639k | 1st of 12 | 257th of 1,172 |
Its median household income is higher than in 95% of U.S. residential ZIP codes, and it is denser than 61% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 10516?
The 2020 Census counted 5,462 people in 10516; the ACS, which samples households over 2020-2024, estimates 5,362. Between the 2010 and 2020 censuses its population grew 3.3% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 5,362
- 2020 Census count
- 5,462+3.3% since 2010 (5,289)
- Households
- 2,213
- Median age
- 47.1
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 10516?
Of the 5,362 people the ACS estimates in 10516, 20.8% are under 18 and 21.7% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (84.5%).
- Under 1820.8%
- 18 to 6457.6%
- 65 and older21.7%
- White, not Hispanic84.5%
- Hispanic or Latino5.4%
- Other or two or more5.0%
- Black, not Hispanic4.0%
- Asian, not Hispanic1.0%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 10516 earn?
Median household income is $140,225 (ACS 2020-2024), the 3rd highest of the 10 ranked ZIP codes in Putnam County. It is not measurably different from 2015-2019 ($131,498 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $140,225±$17,099
- Income per person
- $77,638
- Below the poverty line
- 5.6%
- Unemployed (of the labor force)
- 3.9%
- Adults 25+ with a bachelor's degree
- 63.0%
- Adjusted gross income per tax return, 2022
- $213,7782,740 returns; wages 63% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 10516?
FHFA's house price index for 10516, built from repeat sales and appraisals of the same homes, rose 61% from 2015 to 2025 and rose 36% from 2020 to 2025, and moved −0.0% in 2025.
- Median home value (owners' estimate)
- $639,200
- Median gross rent
- $1,824
- Homes owned by their occupants
- 74.3%
- Housing units
- 2,597
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 10516?
255 business establishments had a location in this ZIP code in 2023, 5 more than in 2018; the most are in retail trade (ZIP Code Business Patterns).
- Retail trade47
- Professional, scientific, and technical services28
- Construction26
- Accommodation and food services24
- Other services (except public administration)23
- Arts, entertainment, and recreation15
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 10516?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 12508 | Beacon | 19,566 | $93k | 4.7 mi |
| 10579 | Putnam Valley | 9,019 | $133k | 5.0 mi |
| 12524 | Fishkill | 15,026 | $99k | 5.0 mi |
| 10524 | Garrison | 4,578 | $146k | 6.6 mi |
| 12533 | Hopewell Junction | 27,325 | $142k | 8.1 mi |
| 12527 | Glenham | 40 | – | 5.1 mi (near) |
| 12520 | Cornwall On Hudson | 3,081 | $137k | 6.7 mi (near) |
| 10996 | West Point | 6,349 | $135k | 6.9 mi (near) |
| 12512 | Chelsea | 194 | $99k | 7.9 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.