| ZIP Code | 10516 |
|---|---|
| City | Cold Spring |
| State | New York (NY) |
| County | Putnam County |
| Area Code | 329/845 |
| Elevation | 524 ft |
| Latitude | 41.461973 |
|---|---|
| Longitude | -73.874913 |
| Timezone | New York (DST) |
| FIPS | 36079 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 46.8 yrs ↓ 2% since 2019 |
|---|---|
| Avg Household Size | 2.44 |
| Below Poverty | 6.7% ▼ 33% below avg |
| College Grads | 68.9% ▲ 78% above avg |
| Unemployment | 4.2% ▼ 15% below avg |
| No HS Diploma | 7 (0.2%) |
| HS Graduate | 581 (14.8%) |
| Some College | 263 (6.7%) |
| Associates | 367 (9.4%) |
| Bachelors | 256 (6.5%) |
| Graduate Degree | 2,446 (62.4%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $135,922 ▲ 78% above avg ↑ 27% since 2019 |
|---|---|
| Median Home Value | $625,400 ▲ 124% above avg ↑ 17% since 2019 |
| Home/Income Ratio | 4.6x (nat avg ~3.5x) |
| Median Rent | $1,798/mo ↑ 21% since 2019 |
| Total Units | 2,603 |
| Vacant Units | 314 |
| Avg HH Size | 2.44 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 2,603 |
|---|---|
| Vacant | 314 |
| Owner Occupied | 72.8% |
| Renter Occupied | 27.2% |
| Avg HH Size | 2.44 |
ZIP code 10516 is located in Cold Spring, New York, within Putnam County. With a population of 5,607, this is a lightly populated ZIP code with a mature community — the median age is 46.8 years. Economically, 10516 is a upper-middle-income ZIP code: the median household income of $135,922 is significantly above the national average.
Real estate in ZIP code 10516 represents a premium housing market. The median home value of $625,400 is more than double the national average. Renters can expect to pay around $1,798 per month in median rent. Homeownership is strong here — 72.8% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 17% since 2019.
The population of 10516 is primarily White (86.55%). Residents are highly educated — 68.9% hold a bachelor's degree or higher, which is significantly above the national average. Poverty affects a relatively small share of residents at 6.7%. Household income has grown by 27% since 2019.
The unemployment rate in 10516 stands at 4.2%, which is near the national average. About 21% of workers are remote. As in most parts of the country, driving alone is the dominant commute mode at 49%.
Overall, ZIP code 10516 in Cold Spring, NY is characterized as upper-middle-income, highly educated, a mature community, and predominantly owner-occupied. With 5,607 residents, a median household income of $135,922, and a median home value of $625,400, it offers a clear picture of life in this part of New York.