Zip code 10516: Cold Spring, New York

Q: What city is zip code 10516?

10516 is assigned to Cold Spring, New York. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 10516 in?

10516 is in Putnam County, New York.

Q: What is the population of 10516?

About 5,362 people live in 10516, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 10516?

The median household income in 10516 is $140,225.

Q: What zip codes are near 10516?

The closest zip codes to 10516 are 12508, 10579, 12524, 12527, 10997.

Residential delivery areaPutnam CountyEastern Time

Population

5,362

Median household income

$140K

U.S. $81K

Median home value

$639K

U.S. $333K

Median rent

$1,824/mo

U.S. $1,413

Median age

47.1

U.S. 38.9

Land area

31 sq mi

170 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 10516

10516 is a small-town zip code in Cold Spring, New York (Putnam County), covering 31 sq mi of land. About 5,362 people live here, or 170 per square mile. The median resident is 47.1 years old, compared with 38.9 nationally.

The median household earns $140,225 a year, 74% above the national median of $80,734. 5.6% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $639,200, or 4.6 years of median household income (U.S.: 4.1 years), which makes homes about as affordable as the national average for local earners. 74% of occupied homes are lived in by their owners, and renters pay a median of $1,824 a month.

63% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 41.7 minutes each way, and 20% of workers work from home. The most common jobs among working residents are in education, management and sales. 19% of them are self-employed (U.S.: 10%).

How 10516 compares

Sorted from highest to lowest national percentile

Average commute41.7 min
98th
WeaknessU.S. 26.4 min · NY 32.6 min144th of 1,618 in NY
Self-employed workers19.3%
97th
U.S. 10% · NY 9.7%184th of 1,685 in NY
Median earnings per worker$86,622
95th
StrengthU.S. $49,666 · NY $55,321132nd of 1,676 in NY
Per capita income$77,638
94th
StrengthU.S. $44,673 · NY $50,712147th of 1,690 in NY
Government workers24.5%
94th
U.S. 14.5% · NY 16.4%357th of 1,685 in NY
Median household income$140,225
92nd
StrengthU.S. $80,734 · NY $85,974191st of 1,602 in NY
Median age47.1
91st
U.S. 38.9 · NY 39.8531st of 1,693 in NY
Bachelor's degree or higher63%
91st
StrengthU.S. 35.7% · NY 40.2%159th of 1,691 in NY
Broadband access96.1%
86th
StrengthU.S. 91% · NY 90.8%301st of 1,673 in NY
Housing vacancy14.8%
86th
U.S. 10.1% · NY 10%636th of 1,675 in NY
Median home value$639,200
84th
U.S. $332,700 · NY $423,800291st of 1,614 in NY
Residents 65 and older21.7%
82nd
U.S. 17.2% · NY 17.9%676th of 1,693 in NY
Work from home20.4%
79th
U.S. 15.1% · NY 14.9%291st of 1,685 in NY
Median gross rent$1,824
75th
U.S. $1,413 · NY $1,621340th of 1,367 in NY
Income inequality (Gini)0.468
75th
U.S. 0.483 · NY 0.517438th of 1,669 in NY
Homeownership rate74.3%
65th
U.S. 65.2% · NY 54.3%1,059th of 1,673 in NY
Tech workers3.1%
54th
U.S. 3.8% · NY 3.5%523rd of 1,685 in NY
Rent-burdened renters48.4%
41st
U.S. 51.1% · NY 52.1%809th of 1,579 in NY
Veterans5%
38th
U.S. 6.2% · NY 3.7%929th of 1,693 in NY
Foreign-born residents7%
38th
U.S. 14.1% · NY 22.8%717th of 1,693 in NY
Residents under 1820.8%
38th
U.S. 22% · NY 20.5%666th of 1,693 in NY
Unemployment rate3.9%
32nd
U.S. 5.2% · NY 6.4%974th of 1,685 in NY
Diversity index27.8
21st
U.S. 61.4 · NY 65.5812th of 1,693 in NY
Population density170/sq mi
19th
U.S. 95/sq mi · NY 421/sq mi895th of 1,693 in NY
Poverty rate5.6%
16th
StrengthU.S. 12.5% · NY 14%1,250th of 1,679 in NY
Uninsured rate2.7%
10th
StrengthU.S. 8.4% · NY 5.1%1,057th of 1,689 in NY
Healthcare workers6.4%
10th
U.S. 9.7% · NY 11.8%1,342nd of 1,685 in NY
Population5,362
9th
U.S. 334,922,499 · NY 19,852,366701st of 1,693 in NY

Measure	10516	Putnam	NY	U.S.	National percentile	Rank in NY
Average commuteWeakness	41.7 min	39.3 min	32.6 min	26.4 min	98th	144th of 1,618
Self-employed workers	19.3%	12.5%	9.7%	10%	97th	184th of 1,685
Median earnings per workerStrength	$86,622	$66,680	$55,321	$49,666	95th	132nd of 1,676
Per capita incomeStrength	$77,638	$56,593	$50,712	$44,673	94th	147th of 1,690
Government workers	24.5%	20.9%	16.4%	14.5%	94th	357th of 1,685
Median household incomeStrength	$140,225	$126,257	$85,974	$80,734	92nd	191st of 1,602
Median age	47.1	44	39.8	38.9	91st	531st of 1,693
Bachelor's degree or higherStrength	63%	45.5%	40.2%	35.7%	91st	159th of 1,691
Broadband accessStrength	96.1%	94.8%	90.8%	91%	86th	301st of 1,673
Housing vacancy	14.8%	7.6%	10%	10.1%	86th	636th of 1,675
Median home value	$639,200	$471,300	$423,800	$332,700	84th	291st of 1,614
Residents 65 and older	21.7%	19.3%	17.9%	17.2%	82nd	676th of 1,693
Work from home	20.4%	14.4%	14.9%	15.1%	79th	291st of 1,685
Median gross rent	$1,824	$1,775	$1,621	$1,413	75th	340th of 1,367
Income inequality (Gini)	0.468	0.425	0.517	0.483	75th	438th of 1,669
Homeownership rate	74.3%	83.8%	54.3%	65.2%	65th	1,059th of 1,673
Tech workers	3.1%	2.3%	3.5%	3.8%	54th	523rd of 1,685
Rent-burdened renters	48.4%	62.3%	52.1%	51.1%	41st	809th of 1,579
Veterans	5%	4.3%	3.7%	6.2%	38th	929th of 1,693
Foreign-born residents	7%	13.9%	22.8%	14.1%	38th	717th of 1,693
Residents under 18	20.8%	19.4%	20.5%	22%	38th	666th of 1,693
Unemployment rate	3.9%	4.4%	6.4%	5.2%	32nd	974th of 1,685
Diversity index	27.8	45.5	65.5	61.4	21st	812th of 1,693
Population density	170/sq mi	426/sq mi	421/sq mi	95/sq mi	19th	895th of 1,693
Poverty rateStrength	5.6%	7.1%	14%	12.5%	16th	1,250th of 1,679
Uninsured rateStrength	2.7%	3.6%	5.1%	8.4%	10th	1,057th of 1,689
Healthcare workers	6.4%	8.9%	11.8%	9.7%	10th	1,342nd of 1,685
Population	5,362	98,107	19,852,366	334,922,499	9th	701st of 1,693

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

Under 5

16%

5–17

18–24

25–34

14%

35–44

15%

45–54

15%

55–64

13%

65–74

75+

Median age

47.1

Under 18

20.8%

65 and over

21.7%

Race and ethnicity

White85%
Black4%
Hispanic5%
Asian1%
Native American0%
Pacific Islander0%
Other0%
Multiracial5%

Diversity index

27.8

U.S. 61.4

Foreign-born

U.S. 14.1%

Born in state

72.5%

Language spoken at home (households)

English only

85%

Spanish

Other Indo-European

Asian / Pacific

Other

0.3%

Households

Households: 2,213
Average household size: 2.4
Family households: 65.7%
Married couples: 52.8%
Living alone: 27.9%
Veterans (of adults): 5%
Male / female: 50% / 50%

Income and poverty

Household income distribution

<$25k

$25–50k

10%

$50–75k

11%

$75–100k

12%

$100–150k

15%

$150–200k

12%

$200k+

33%

Median household income

10516

$140,225

Putnam Co.

$126,257

New York

$85,974

United States

$80,734

Per capita income

$77,638

U.S. $44,673

Poverty rate

5.6%

U.S. 12.5%

Households earning $150K+

45.7%

U.S. 23%

Income inequality (Gini)

0.468

U.S. 0.483

Housing

Median home value

10516

$639,200

Putnam Co.

$471,300

New York

$423,800

United States

$332,700

Median gross rent

10516

$1,824

Putnam Co.

$1,775

New York

$1,621

United States

$1,413

Types of housing

Single-family

75%

2–4 units

13%

5–19 units

20+ units

Mobile home

Boat, RV, van

Housing units: 2,597
Owner-occupied: 74.3%
Vacant: 14.8%
Median year built: 1965
Median rooms: 6.1
Renters paying 30%+ of income: 48.4%
Renters paying 50%+ of income: 25.5%
Home value to income: 4.6× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

52%

Carpooled

Transit

14%

Walked

Bicycle

Worked from home

20%

Other

Commute time (one way)

<10 min

14%

10–19

15%

20–29

13%

30–44

16%

45–59

12%

60+

30%

Average commute

41.7 min

U.S. 26.4 min

Unemployment

3.9%

U.S. 5.2%

In labor force

67.8%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Education

19%

Management

12%

Sales

10%

Office and admin

Business and finance

Arts, media and sports

Healthcare

Construction and repair

Legal and social services

Cleaning and personal care

Engineering and science

Computer and math

Transportation and moving

Food service

Production

Police and fire

Farming, fishing and forestry

Industries

Education

19%

Professional and technical services

14%

Retail

10%

Health care and social assistance

Construction

Information

Manufacturing

Finance, insurance and real estate

Arts and recreation

Public administration

Transportation, warehousing and utilities

Admin, support and management

Other services

Restaurants and hotels

Wholesale

Agriculture and mining

0.4%

Median earnings per worker

$86,622

U.S. $49,666

Self-employed

19.3%

U.S. 10%

Government workers

24.5%

U.S. 14.5%

Nonprofit workers

11.1%

U.S. 8.8%

Median earnings by type of work

Type of work	10516	U.S.
Management, business, science and arts	$100,913	$74,888
Service	$45,476	$26,804
Sales and office	$57,500	$40,476
Construction and maintenance	$46,354	$49,199
Production and transportation	$57,019	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

16%

Some college

12%

Associate's

Bachelor's

31%

Graduate

32%

High school graduate or higher: 97.2%
Bachelor's degree or higher: 63%
Graduate or professional degree: 32.4%
Households with broadband: 96.1%
Cable, fiber or DSL: 85.6%
No internet access: 3.1%
Without health insurance: 2.7%
Limited-English households: 1.2%

Geography

City (USPS): Cold Spring
State: New York
County: Putnam County
Center point: 41.4620° N, 73.8749° W
Land area: 31 sq mi
Water area: 0.6 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

Cities and towns within this zip

Nelsonville3% of zip
Cold Spring2% of zip

Census places overlapping the zip's area. Mail may use a different city name than the municipality.

Zip codes near 10516

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
12508	Beacon, NY	4.7 mi	19,566	$92,461	$445,100
10579	Putnam Valley, NY	5 mi	9,019	$132,500	$548,400
12524	Fishkill, NY	5 mi	15,026	$99,034	$398,300
12527	Glenham, NY	5.1 mi	40	—	—
10997	West Point, NY · PO box	6.4 mi	—	—	—
10524	Garrison, NY	6.6 mi	4,578	$146,250	$560,600
12520	Cornwall On Hudson, NY	6.7 mi	3,081	$136,797	$473,000
10996	West Point, NY	6.9 mi	6,349	$135,333	—
12511	Castle Point, NY · PO box	7.3 mi	—	—	—
12551	Newburgh, NY · PO box	7.6 mi	—	—	—
12552	Newburgh, NY · PO box	7.6 mi	—	—	—
12555	Newburgh, NY · PO box	7.6 mi	—	—	—

Zip codes like 10516 elsewhere

Matched on income, home values, age, density, education, housing and commuting

Questions about 10516

What city is zip code 10516?

10516 is assigned to Cold Spring, New York. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 10516 in?

10516 is in Putnam County, New York.

What is the population of 10516?

About 5,362 people live in 10516, according to the Census Bureau's American Community Survey.

What time zone is 10516 in?

10516 is in Eastern Time.

What is the median household income in 10516?

The median household income in 10516 is $140,225.

What zip codes are near 10516?

The closest zip codes to 10516 are 12508, 10579, 12524, 12527, 10997.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 10516, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.