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Place dossier plate
SheetKY-COLDSTREAM-KY · Coldstream, KY 1,269 pop · income 75th pct
Instrument codes from this place’s ACS population and household income, BEA state COL, FBI safety, national income percentile, photo-finish peer city, home-value band, and matched Census-tract book - not a moving recommendation.
Income neighbourhood around Coldstream
Lowest/highest poles plus peers nearest Coldstream on median household income. Full ladder: /browse and /rankings.
median HH income
Clinton · lowest
32,991
Clinton · lowest
32,991 median HH income
28.9% of the leader · rank #1
Lake View · near
96,409
Lake View · near
96,409 median HH income
84.5% of the leader · rank #2
Capitola · near
96,412
Capitola · near
96,412 median HH income
84.5% of the leader · rank #3
Warm Beach · near
96,413
Warm Beach · near
96,413 median HH income
84.5% of the leader · rank #4
Coldstream · this city
96,417
Coldstream · this city
96,417 median HH income
84.5% of the leader · rank #5
Lafayette · near
96,419
Lafayette · near
96,419 median HH income
84.5% of the leader · rank #6
Bellefonte · highest
114,063
Bellefonte · highest
114,063 median HH income
100.0% of the leader · rank #7
What this shows Neighbourhood peers only - not a full nationwide city board. Open a near peer when the gap is small; open the poles when the spread is wide.
Compare beyond this state
Nationwide peers by population, income
Out-of-state nearest neighbors for Coldstream on ACS population and median household income
. Link sets are deduped so each column is a distinct comparison path, not a forecast that peers share a labor market or climate.
Similar population
Nearest out-of-state cities by ACS population. This city: 1,269.
Out of every US city with 1,000+ residents, Coldstream places in the 75th percentile for household income. Source: Census ACS.
75th
percentile, household income
58th
percentile, home value
10th
percentile, median rent
📝 How we sourced this
Population, income, and housing-cost figures come from the U.S. Census Bureau American Community Survey 5-year estimates (B-series tables). Crime data uses FBI UCR; climate uses NOAA Climate Normals; school counts come from NCES Common Core of Data; permits use the Census Building Permits Survey (BPS). See our methodology page for the full ETL pipeline and OMB / FIPS join keys.
Data Snapshot: Coldstream, KY
Census ACS 2023 estimates count 1,269 residents in Coldstream, a small town within Kentucky. Households in Coldstream report a median income of $96,417 per year, placing it in the top quartile of U.S. cities for household income, with a poverty rate of 2.0%. Typical homes in Coldstream are valued around $260,300, and the median resident age is 36.2 years. 46.5% of adults here have a bachelor's degree or higher; 72.2% of working-age residents are in the labor force.
Living costs in Kentucky run below the national norm: on BEA's 100-equals-national-average cost index, Kentucky scores 90.2 (Well Below Average), per the 2024 Regional Price Parities release. Statewide, HUD pegs Fair Market Rent for a two-bedroom unit at $984 monthly. EIA 2023 residential energy data puts Kentucky's average monthly utility costs around $225 (state average). FEMA's National Risk Index rates natural-hazard exposure at 44.2 out of 100 (Low).
A decision-led reading path
Useful questions to ask of Coldstream's data
How this reading path is ordered
This is not a composite city score. It is a city-specific route through the available public records, ordered for this profile so the page starts with questions the joined data can actually answer. The route here runs from work and mobility to population change to comparison shortlist to housing and income; another city can have a different sequence or fewer supported layers because the source joins are not uniform.
For Coldstream, city-specific coverage includes commute-mode shares, annual population history.
No matched row is reported here for matched public-school count, FBI reported-crime rates, within-city Census tract profiles, local building permits; the page leaves those layers out instead of substituting a statewide or national value.
Question 1
What does the journey to work look like in Coldstream?
Driving alone is the largest reported mode at 78.2%. A reliable mean commute time is not available for this row, so the mode shares carry the comparison.
Mode share answers how workers usually travel; it does not measure congestion, reliability, distance to a particular job, or the quality of transit service. No single mode completely explains the work trip here. The mix is more useful than a one-number commute grade, especially when comparing places where transit, walking, and remote work divide the non-driving share differently.
Is Coldstream growing, shrinking, or holding steady?
Census PEP estimates show the population grew by +31 residents from 2020 to 2025, a +2.4% change. No comparable local building-permit series is available here, so population change should not be read as a housing-supply measure. PEP and ACS are different Census series, so the trend is kept separate from the headline ACS population.
Recent estimates point upward. Growth can increase housing demand and service needs, but the permit record must move in the same direction before calling it a supply response; the two series measure different things.
Which cities make useful reference points for Coldstream?
Use the in-state set to hold state policy and broad price conditions more nearly constant. Use the nationwide size set to ask whether cities with a similar resident count produce different housing, income, or commute outcomes. The income set is a third lens, deliberately separate from population matching.
Within Kentucky, the closest population matches are Cloverport (1,264 residents, $34,688 income); Hebron Estates (1,262 residents, $57,375 income); Wurtland (1,257 residents, $56,250 income). Outside the state, the closest population matches in this dataset are Fruitport, MI (1,269 residents); Albion, PA (1,269 residents); Newville, PA (1,269 residents). A third, income-matched reference set of 6 out-of-state cities sits in the income neighbourhood chart near the Place Dossier plate. These are mechanical peer sets, not claims that the places share a labor market, climate, culture, or metro context.
How far does income reach against housing in Coldstream?
This is a citywide price-to-income reference, not a mortgage-affordability test; it does not include interest rates, taxes, insurance, household size, or an individual buyer's down payment. Income and home value move within the same broad scale here. The useful next check is not a generic affordability label, but whether similar-size cities offer a materially different income, housing, or commute trade-off.
The home-value-to-income reference sits in a middle range: the ACS median home value is 2.7 times median household income. The ACS poverty estimate is 2.0%, which keeps the citywide median from describing every household.
Comparative score against U.S. cities with population of 1,000 or more on Census ACS medians
(income, poverty, bachelor's share, cost of living) and FBI UCR violent-crime rates when
published. Higher means a stronger standing on those published figures, not a livability
rating, not a recommendation to move, buy, or pick a "best" city. Missing inputs drop out
and redistribute weight.
How it is calculated.
Poverty rate A
2.0%
Share of residents below the poverty line; lower scores better on this axis.
Cost of living A
90.2 index
BEA state Regional Price Parities index (100 ≈ national average); lower is stronger on this axis. Same value for every city in the state.
Bachelor's+ share A-
46.5%
Adults with a bachelor's degree or higher; ACS.
Household income B+
$96,417
Median household income vs U.S. cities (pop ≥1,000); ACS.
Violent crime N/A
N/A
No FBI UCR violent-crime rate for this place (coverage is incomplete).
Coldstream profile (scored ACS/FBI dimensions)Read the chart values
Poverty rate: 86/100 (A) · 2.0%
Cost of living: 85/100 (A) · 90.2 index
Bachelor's+ share: 81/100 (A-) · 46.5%
Household income: 75/100 (B+) · $96,417
How does Coldstream compare to other US cities?
Coldstream measured against every US city with 1,000+ residents, computed live from the same Census and FBI data shown throughout this page.
Household income75% higher than other cities
Home value58% pricier than other cities
Median rent10% pricier than other cities
"Safer than" reflects total crime rate from FBI UCR; the others use Census ACS estimates.
How we calculate these percentiles & ranks
Each percentile compares Coldstream against every qualifying US city; each in-state rank narrows that to Kentucky only. Full formula and direction notes: methodology.
Kentucky-relative analysis
Median Gross Rent places Coldstream near the bottom of Kentucky's cities
Among the 520 Kentucky cities PlainCities tracks with reported median gross rent data, Coldstream ranks #1 - the 0th percentile within the state. This is a different, narrower cut than the nationwide percentiles above: it compares Coldstream only against its own state's cities, not the full US field.
Median Household Income
#85 of 485
82nd percentile in Kentucky
Median Gross Rent
#1 of 520
0th percentile in Kentucky
Median Home Value
#88 of 484
82nd percentile in Kentucky
Poverty Rate
#418 of 519
19th percentile in Kentucky
Bachelor's Degree or Higher
#87 of 520
83rd percentile in Kentucky
How in-state ranks are ordered
Ranked by raw value (highest first); a higher rank is not automatically "better" for every measure, see each metric's own context above. This is a comparison within Kentucky only, not a livability score. See the methodology for the source and calculation.
Gauge source note
75th percentile nationally for median household income. Source: Census ACS 2023 / FBI UCR 2023.
How Coldstream's home value compares nationally
Median home value vs. every US city (population 1,000+)
$260,30042nd percentilemore affordable than 42% of 15,600 US cities
Show national distribution
Each bar is a $25K-wide band; taller bars hold more US cities. 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 · 2023
Coldstream's home-value-to-income ratio: 2.7×
ACS median home value divided by median household income.
Band
affordable
< 3.0×
National rank
#5,034 of 15,516
More affordable than 68% of tracked cities (pop. 1,000+)
Size class
#4,414 of 11,323
Micro cities (under 10,000)
At 2.7×, Coldstream sits in the affordable band:
national rank #5,034 of 15,516 and #4,414 of 11,323micro cities (under 10,000).
The multiple is comparatively compact among tracked cities, but a low ratio can still coexist with slow demand or household-level hardship.
How this ratio is calculated
Ratio = Census ACS 2023 median home value ÷ median household income for cities with both fields and population ≥ 1,000.
Rank 1 = lowest ratio (most compact). Bands match the fleet affordability thresholds used on guides (<3.0 / 3.0–5.0 / >5.0).
This is not a mortgage payment estimate and does not include rates, taxes, insurance, or down payment.
Income distribution context
$96,417Coldstream, KY median household income (Census ACS)
Show U.S. national quintile / Lorenz context Coldstream, KY median household income (Census ACS 5-year) with U.S. national quintile shares for context. Diagonal = equality; the curve is national, not computed for Coldstream, KY.
Key socioeconomic indicators
Bachelor's degree or higher (adults 25+)46.5%
Census ACS S1501, educational attainment
Poverty rate (households below FPL)2.0%
Census ACS S1701, poverty status
Labor force participation (adults 16+)72.2%
Census ACS S2301, share of working-age residents in the labor force
Population
1,269
Median Income
$96,417
Median Home Value
$260,300
Median Age
36.2
Poverty Rate
2.0%
Labor force participation
72.2%
Bachelor's Degree+
46.5%
Population Change
PEP vintage
Annual U.S. Census Bureau Population Estimates Program (PEP) estimates, 2020–2025
Coldstream's Census PEP population estimates, 2020–2025.Read the chart as text
Period
Population
2020
1,294 residents
2021
1,288 residents
2022
1,293 residents
2023
1,303 residents
2024
1,321 residents
2025
1,325 residents
Commute Patterns
Commute source
How workers travel to work, Census ACS 2023
Drive Alone
78.2%
Carpool
9.2%
Public Transit
0.0%
Walk
0.3%
Work from Home
12.3%
Based on 706 workers 16 and over.
Monthly Utility Costs
Kentucky statewide monthly utility average (EIA 2023): $225
EIA 2023 residential energy data puts average monthly utilities across Kentucky at $225 (electricity about $115 , water and sewer about $40 ).
These are Kentucky statewide averages, not a meter reading for Coldstream. Actual bills vary by home size, usage, and local rates. Source: U.S. Energy Information Administration (EIA) 2023.
Living Costs & Risk
Kentucky's BEA cost-of-living index is 90.2 (Well Below Average; US average = 100, RPP 2024). HUD Fair Market Rent for a typical two-bedroom in the county around Coldstream is $984/mo. FEMA's National Risk Index, averaged to Kentucky statewide on PlainCities, rates natural-hazard exposure at 44.2 / 100 (Low).
Cost/risk geography note
Cost of living is a Kentucky statewide BEA average; rent is a county-level HUD Fair Market Rent for the county Coldstream sits in; the FEMA hazard score shown here is a statewide average of county NRI inputs, not a parcel-level reading.
How Coldstream compares to similar-size Kentucky cities
Same-state peer method
Closest same-state population matches, not geographic neighbors. Population + median household income come from Census Bureau ACS 5-year B01001 and B19013.
Source: U.S. Census Bureau ACS 5-Year 2023, Census ACS B08301/B08136, U.S. Energy Information Administration (EIA) 2023, BEA Regional Price Parities 2024, HUD Fair Market Rents 2026, FEMA National Risk Index.