ZIP Code 10516
standardSource:
Cold Spring · Putnam County · New York
- Population
- 5,289
- Median income
- $140,225
- Median home value
- $639,200
- Bachelor's or higher
- 63.0%
- Land area
- 81.6 sq mi
65/sq mi
▲ 84% vs US
higher than 95% of US ZIPs
▲ 130% vs US
higher than 92% of US ZIPs
Median age 47.1
New York
ZIP code 10516 in Cold Spring, New York has a population of 5,289. The median household income is $140,225, which is 84% above the national average. Median home value is $639,200, 130% above the US average. 63.0% of residents hold a bachelor's degree or higher.
ZIP code 10516 is classified by USPS as a standard delivery area and covers roughly 81.6 square miles in Cold Spring, Putnam County, New York. The area is home to 5,289 residents, producing a population density of 65 people per square mile, and falls within the New York time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 10516 against New York and the nation.
On the economic side, the median household income for ZIP 10516 sits at $140,225 (52% above the New York average), while per-capita income is $77,638. The poverty rate stands at 5.6% and the unemployment rate at 3.9%. On housing, the median home value is $639,200 (69% above the state average) with median rent at $1,824 per month, and 74.3% of occupied units are owner-occupied, a direct signal of whether 10516 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 63.0% of adults hold a bachelor's degree or higher, the median age is 47.1, and the average commute is 42 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Putnam County, so you can benchmark 10516 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →
Top industries in ZIP 10516
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 10516.
- Retail trade
Retail trade
47 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
28 establishments
- Construction
Construction
26 establishments
- Accommodation and food services
Accommodation and food services
24 establishments
- Other services (except public administration)
Other services (except public administration)
23 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 10516, Cold Spring, NY · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.
Quick Facts
5,289
Population
81.6
Area (sq mi)
65
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 10516?
47.1
Median Age
49.6%
Male
50.4%
Female
7.0%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$140,225
Median Household Income
+52% vs state
$77,638
Per Capita Income
5.6%
Poverty Rate
3.9%
Unemployment Rate
41.7 min
Mean Commute Time
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
2,597
Total Housing Units
2,213
Occupied Units
384
Vacant Units
2.42
Avg Household Size
Occupancy Type
$639,200
Median Home Value
+69% vs state
$1,824
Median Rent
1965
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
+10.2%
YoY Change (2024)
265
HPI Index (2000 = 100)
+165%
Total Change Since 2000
Home values in ZIP 10516 have increased 10.2% over the past year (2024). Since 2000, this ZIP has seen +165% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +1.4% | 195 |
| 2021 | +10.4% | 216 |
| 2022 | +3.1% | 222 |
| 2023 | +8.2% | 241 |
| 2024 | +10.2% | 265 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 255 business establishments in ZIP 10516, employing approximately 1,643 people with a combined annual payroll of $102,917,000.
255
Businesses
1,643
Employees
$102.9M
Annual Payroll
15
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 47 | 18.4% |
| Professional, scientific, and technical services | 28 | 11.0% |
| Construction | 26 | 10.2% |
| Accommodation and food services | 24 | 9.4% |
| Other services (except public administration) | 23 | 9.0% |
| Arts, entertainment, and recreation | 15 | 5.9% |
| Wholesale trade | 14 | 5.5% |
| Real estate and rental and leasing | 14 | 5.5% |
| Health care and social assistance | 14 | 5.5% |
| Manufacturing | 12 | 4.7% |
| Administrative and support and waste management and remediation services | 11 | 4.3% |
| Information | 9 | 3.5% |
| Transportation and warehousing | 7 | 2.8% |
| Finance and insurance | 6 | 2.4% |
| Educational services | 4 | 1.6% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 10516 vs 12524 →
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 12524 | Fishkill, NY | 15,598 | 5.3 mi |
| 12508 | Beacon, NY | 19,880 | 4.0 mi |
| 12527 | Glenham, NY | 147 | 4.9 mi |
| 10524 | Garrison, NY | 4,421 | 5.8 mi |
| 12520 | Cornwall On Hudson, NY | 3,109 | 5.5 mi |
| 10579 | Putnam Valley, NY | 8,675 | 5.4 mi |
| 10537 | Lake Peekskill, NY | 2,416 | 8.0 mi |
| 10996 | West Point, NY | 6,756 | 5.7 mi |
| 12590 | Wappingers Falls, NY | 35,102 | 9.8 mi |
| 12512 | Chelsea, NY | 127 | 7.6 mi |
More ZIP Codes in Putnam County
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Frequently Asked Questions
What county is ZIP code 10516 in? ▼
What is the population of ZIP code 10516? ▼
What is the median household income in ZIP 10516? ▼
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What is the demographic makeup of ZIP 10516? ▼
How many businesses are in ZIP code 10516? ▼
What are the main industries in ZIP code 10516? ▼
How have home values changed in ZIP code 10516? ▼
What is the education level in ZIP code 10516? ▼
What is the average commute time in ZIP 10516? ▼
What percentage of residents own vs. rent in ZIP 10516? ▼
What is the poverty rate in ZIP code 10516? ▼
ZIP Code Research Guides
Official Data Resources for Cold Spring, NY
Verify and explore additional data for this area using these official government sources.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023). Business data: Source: Census ZIP Code Business Patterns (ZBP) 2023. Home value trends: Source: FHFA House Price Index (HPI), Five-Digit ZIP Codes.
PlainZIP is not affiliated with the U.S. Census Bureau or any government agency.
Read our methodology , how this data is sourced, computed, and verified.