PlainZIP

Cold Spring, NY · standard

ZIP Code 10516

Putnam County, New York - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

5,289
65/sq mi
$140,225
Median income
$639,200
Median home value
63.0%
Bachelor's or higher

The verdict

Cold Spring pairs a top-decile household income with top-decile home values, in a rural, homeowner-dominated area.

Top 5%
household income, US ZIPs
Top 8%
home value, US ZIPs
65
people per sq mi
74%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 10516 against every reporting US ZIP.

ZIP code 10516 is a mid-sized community (a standard USPS delivery area) in Cold Spring, Putnam County, New York, home to 5,289 residents across 81.6 square miles, a density of 65 people per square mile, in the New York time zone.

ZIP 10516 skews affluent, with a median household income of $140,225 (52% above the New York average), while per-capita income is $77,638. 5.6% of residents live below the poverty line, and the unemployment rate reads 3.9%. Housing costs here run $639,200 for a typical home value (69% above the state average), with rent averaging $1,824 a month; 74.3% of homes are owner-occupied.

This is a highly-educated ZIP: 63.0% of adults hold a bachelor's degree or higher, the median age is 47.1, and the average commute is 42 minutes. A geography-based comparison follows: 10 ZIP codes within about 10 miles of 10516, plus 6 more within Putnam County, give a clearer read than the national average alone.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 10516

Top 5 sectors by establishment count in Cold Spring, NY

Which industries have the most business establishments in ZIP 10516.

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 · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, 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; 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

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 10516?

47.1

Median Age

49.6%

Male

50.4%

Female

7.0%

Foreign-Born

White 86.0%
African American 4.0%
Asian 1.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 8.1%
Hispanic or Latino 5.4%

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

How ZIP 10516 ranks nationally

Cold Spring, NY household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$140,225 Top 5% higher than 95% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Below this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Below this entry. $140,000–$160,000: 686 US ZIPs (2%). This entry sits in this band. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 78.8%
Bachelor's Degree or Higher 63.0%

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

Owner 74.3%
Renter 25.7%

$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 10516 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 10516 ranks #6 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 10516 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 10516 ranks #2 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
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

10541 standard
Mahopac, NY
Pop: 26,339
10512 standard
Carmel, NY
Pop: 25,590
10509 standard
Brewster, NY
Pop: 19,507
10579 standard
Putnam Valley, NY
Pop: 8,675
12563 standard
Patterson, NY
Pop: 8,084
10524 standard
Garrison, NY
Pop: 4,421

Related Areas

Putnam County Cold Spring, NY New York

Frequently Asked Questions

What county is ZIP code 10516 in? ▼
ZIP code 10516 (Cold Spring) is located in Putnam County, New York. Putnam County contains multiple ZIP codes, see the full list at /counties/putnam-ny.
What is the population of ZIP code 10516? ▼
ZIP code 10516 in Cold Spring, NY has a population of 5,289 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 10516? ▼
The median household income in ZIP 10516 is $140,225, which is 84% above the national average of $76,288.
What is the average home value in ZIP 10516? ▼
The median home value in ZIP 10516 is $639,200, which is 130% above the national average of $278,155.
What is the demographic makeup of ZIP 10516? ▼
The largest racial group in ZIP 10516 is White at 86.0%. Hispanic or Latino residents make up 5.4% of the population.
How many businesses are in ZIP code 10516? ▼
ZIP code 10516 has 255 business establishments employing approximately 1,643 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 10516? ▼
The top industries by establishment count in ZIP 10516 are: Retail trade (47), Professional, scientific, and technical services (28), Construction (26). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 10516? ▼
According to the FHFA House Price Index, home values in ZIP 10516 increased by 10.2% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 165%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 10516? ▼
In ZIP code 10516, 78.8% of residents aged 25+ have a high school diploma or higher, and 63.0% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 10516? ▼
The mean commute time for workers in ZIP code 10516 is 41.7 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 10516? ▼
In ZIP code 10516, approximately 74.3% of occupied housing units are owner-occupied and 25.7% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 10516? ▼
The poverty rate in ZIP code 10516 is 5.6% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.