The median home in Cold Spring, Minnesota is valued at $358,629, up 3.5% year over year. Cold Spring is part of the St. Cloud, MN metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: St. Cloud, MN stress score, crash risk, and 12-month forecast →

Home Value$358,629

+3.5%

AFFORDABILITY

Enter your income for Cold Spring.

Income (annual)

Down Payment

$71,726 on $358,629

Out of reach — 36.8% of income

Need $98,486/yr to afford.

PITI$2,298

P/I36.8%

Afford$273K

Gap-$86K

P&I $1,813Tax $335Ins $150

6.50% 30yr, 20% down, county tax + MN ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Minnesota

Compare Cold Spring with other housing markets across Minnesota.

Minnetonka Beach$2220K Woodland$1619K Greenwood$1602K Sunfish Lake$1156K Orono$1084K Medicine Lake$1082K Tonka Bay$1059K Deephaven$1018K

Full St. Cloud, MN analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the St. Cloud, MN metro.

View St. Cloud, MN metro →

COLD SPRING, MN