41076 Zip Code Detailed Profile




Cities: Cold Spring, KY (21.91%), Wilder, KY (11.51%), Highland Heights, KY (11.00%), Silver Grove, KY (2.59%), Crestview, KY (0.73%), Fort Thomas, KY (0.28%), Alexandria, KY (0.22%), Melbourne, KY (0.04%), Southgate, KY (0.00%)
County: Campbell County, KY
Estimated zip code population in 2013: 16,920
Zip code population in 2010: 16,468
Zip code population in 2000: 14,651

Houses and condos: 7,438
Renter-occupied apartments: 1,647
% of renters here:

24%
State:

33%
Mar. 2013 cost of living index in zip code 41076: 90.0 (less than average, U.S. average is 100)

Land area: 20.9 sq. mi.
Water area: 0.7 sq. mi.
Population density: 808 people per square mile 
 
 (low).

Age and Sex of Residents in zip code 41076
Zip code 41076 (Cold Spring, Kentucky) real estate house value trends
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Real estate property taxes paid for housing units in 2013:
This zip code:

1.1% ($1,648)
Kentucky:

0.8% ($1,022)
Median real estate property taxes paid for housing units with mortgages in 2013: $1,716 (1.1%)
Median real estate property taxes paid for housing units with no mortgage in 2013: $1,474 (1.0%)

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Males: 8,317  (49.2%)
Females: 8,603  (50.8%)

For population 25 years and over in 41076:

For population 15 years and over in 41076:

Zip code 41076 compared to state average:

  • Black race population percentage significantly below state average.
  • Hispanic race population percentage below state average.
  • Foreign-born population percentage below state average.
  • Percentage of population with a bachelor's degree or higher above state average.
  • Races in zip code 41076

  • Zip code 41076 races chart
    • 15,589White population
    • 267Black population
    • 22American Indian population
    • 253Asian population
    • 5Native Hawaiian and Other Pacific Islander population
    • 23Some other race population
    • 162Two or more races population
    • 147Hispanic or Latino population

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Urban population: 15,393
Rural population: 1,526

Estimated median house/condo value in 2013: $150,300
41076:

$150,300
Kentucky:

$120,900



According to our research of Kentucky and other state lists there were 3 registered sex offenders living in 41076 zip code as of August 30, 2015.
The ratio of number of residents in zip code 41076 to the number of sex offenders is 5,679 to 1.
The number of registered sex offenders compared to the number of residents in this zip code is a lot smaller than the state average.


Median resident age:
This zip code:

38.9 years
Kentucky median age:

38.5 years
Average household size:
This zip code:

2.4 people
Kentucky:

2.5 people

Averages for the 2012 tax year for zip code 41076, filed in 2013:

Average Adjusted Gross Income (AGI) in 2012: $62,502 (Individual Income Tax Returns)
Here:

$62,502
State:

$50,814

Salary/wage: $52,648 (reported on 83.4% of returns)
Here:

$52,648
State:

$42,723
(% of AGI for various income ranges: 70.4% for AGIs below $25k, 75.0% for AGIs $25k-50k, 74.6% for AGIs $50k-75k, 71.5% for AGIs $75k-100k, 80.3% for AGIs $100k-200k, 49.9% for AGIs over 200k)

Taxable interest for individuals: $1,084 (reported on 39.7% of returns)
This zip code:

$1,084
Kentucky:

$1,381
(% of AGI for various income ranges: 1.6% for AGIs below $25k, 0.6% for AGIs $25k-50k, 0.6% for AGIs $50k-75k, 0.4% for AGIs $75k-100k, 0.4% for AGIs $100k-200k, 1.1% for AGIs over 200k)

Ordinary dividends: $3,798 (reported on 30.1% of returns)
Here:

$3,798
State:

$6,239
(% of AGI for various income ranges: 2.3% for AGIs below $25k, 1.7% for AGIs $25k-50k, 1.5% for AGIs $50k-75k, 1.7% for AGIs $75k-100k, 1.2% for AGIs $100k-200k, 2.9% for AGIs over 200k)

Net capital gain/loss in AGI: +$13,014 (reported on 19.9% of returns)
Here:

+$13,014
State:

+$11,336
(% of AGI for various income ranges: 0.4% for AGIs $25k-50k, 0.8% for AGIs $50k-75k, 0.5% for AGIs $75k-100k, 1.9% for AGIs $100k-200k, 15.8% for AGIs over 200k)

Profit/loss from business: +$10,033 (reported on 11.4% of returns)
Here:

+$10,033
State:

+$10,862
(% of AGI for various income ranges: 4.3% for AGIs below $25k, 2.2% for AGIs $25k-50k, 1.6% for AGIs $50k-75k, 1.8% for AGIs $75k-100k, 1.7% for AGIs $100k-200k, 1.2% for AGIs over 200k)

Taxable individual retirement arrangement distribution: $15,449 (reported on 15.3% of returns)
41076:

$15,449
Kentucky:

$14,296
(% of AGI for various income ranges: 5.9% for AGIs below $25k, 4.2% for AGIs $25k-50k, 3.9% for AGIs $50k-75k, 4.9% for AGIs $75k-100k, 3.9% for AGIs $100k-200k, 1.9% for AGIs over 200k)

Self-employment retirement plans: $11,075 (reported on 0.5% of returns)
41076:

$11,075
Kentucky:

$20,768

Total itemized deductions: $19,997 (19% of AGI, reported on 40.8% of returns)
Here:

$19,997
State:

$21,160

Here:

18.6% of AGI
State:

20.0% of AGI
(% of AGI for various income ranges: 11.0% for AGIs below $25k, 10.8% for AGIs $25k-50k, 13.1% for AGIs $50k-75k, 13.8% for AGIs $75k-100k, 15.2% for AGIs $100k-200k, 11.8% for AGIs over 200k)

Charity contributions: $3,192 (reported on 34.7% of returns)
Here:

$3,192
State:

$4,303
(% of AGI for various income ranges: 1.0% for AGIs below $25k, 1.2% for AGIs $25k-50k, 1.4% for AGIs $50k-75k, 1.6% for AGIs $75k-100k, 2.1% for AGIs $100k-200k, 2.3% for AGIs over 200k)

Taxes paid: $8,861 (reported on 40.8% of returns)
41076:

$8,861
State:

$8,496
(% of AGI for various income ranges: 1.8% for AGIs below $25k, 3.4% for AGIs $25k-50k, 5.1% for AGIs $50k-75k, 6.0% for AGIs $75k-100k, 7.8% for AGIs $100k-200k, 6.2% for AGIs over 200k)

Earned income credit: $2,005 (reported on 9.8% of returns)
Here:

$2,005
State:

$2,273
(% of AGI for various income ranges: 3.7% for AGIs below $25k, 0.5% for AGIs $25k-50k)

Averages for the 2004 tax year for zip code 41076, filed in 2005:

Average Adjusted Gross Income (AGI) in 2004: $49,236 (Individual Income Tax Returns)
Here:

$49,236
State:

$41,540

Salary/wage: $43,242 (reported on 85.6% of returns)
Here:

$43,242
State:

$36,432
(% of AGI for various income ranges: 86.9% for AGIs below $10k, 69.3% for AGIs $10k-25k, 79.7% for AGIs $25k-50k, 78.5% for AGIs $50k-75k, 83.6% for AGIs $75k-100k, 68.0% for AGIs over 100k)

Taxable interest for individuals: $1,380 (reported on 50.2% of returns)
This zip code:

$1,380
Kentucky:

$1,571
(% of AGI for various income ranges: 3.8% for AGIs below $10k, 2.9% for AGIs $10k-25k, 1.4% for AGIs $25k-50k, 1.1% for AGIs $50k-75k, 0.7% for AGIs $75k-100k, 1.5% for AGIs over 100k)

Taxable dividends: $2,501 (reported on 34.7% of returns)
Here:

$2,501
State:

$3,453
(% of AGI for various income ranges: 3.7% for AGIs below $10k, 2.1% for AGIs $10k-25k, 1.6% for AGIs $25k-50k, 1.3% for AGIs $50k-75k, 1.2% for AGIs $75k-100k, 2.1% for AGIs over 100k)

Net capital gain/loss: +$6,651 (reported on 23.4% of returns)
Here:

+$6,651
State:

+$9,663
(% of AGI for various income ranges: -1.9% for AGIs below $10k, 0.1% for AGIs $10k-25k, 0.3% for AGIs $25k-50k, 1.1% for AGIs $50k-75k, 1.1% for AGIs $75k-100k, 7.5% for AGIs over 100k)

Profit/loss from business: +$10,317 (reported on 11.5% of returns)
Here:

+$10,317
State:

+$9,233
(% of AGI for various income ranges: 4.4% for AGIs below $10k, 2.8% for AGIs $10k-25k, 1.7% for AGIs $25k-50k, 1.8% for AGIs $50k-75k, 1.6% for AGIs $75k-100k, 3.2% for AGIs over 100k)

IRA payment deduction: $3,123 (reported on 2.2% of returns)
41076:

$3,123
Kentucky:

$2,955
(% of AGI for various income ranges: 0.3% for AGIs $10k-25k, 0.2% for AGIs $25k-50k, 0.1% for AGIs $50k-75k, 0.1% for AGIs $75k-100k, 0.1% for AGIs over 100k)

Self-employed pension: $12,680 (reported on 0.7% of returns)
Here:

$12,680
Kentucky:

$14,996

Total itemized deductions: $16,523 (20% of AGI, reported on 43.8% of returns)
Here:

$16,523
State:

$17,474

Here:

20.2% of AGI
State:

21.0% of AGI
(% of AGI for various income ranges: 11.6% for AGIs below $10k, 9.9% for AGIs $10k-25k, 13.1% for AGIs $25k-50k, 16.0% for AGIs $50k-75k, 17.5% for AGIs $75k-100k, 14.7% for AGIs over 100k)

Charity contributions deductions: $2,348 (3% of AGI, reported on 39.7% of returns)
Here:

$2,348
State:

$3,494

Here:

2.8% of AGI
State:

4.0% of AGI
(% of AGI for various income ranges: 1.2% for AGIs below $10k, 1.2% for AGIs $10k-25k, 1.6% for AGIs $25k-50k, 1.7% for AGIs $50k-75k, 2.1% for AGIs $75k-100k, 2.2% for AGIs over 100k)

Total tax: $7,034 (reported on 80.9% of returns)
41076:

$7,034
State:

$6,162
(% of AGI for various income ranges: 2.4% for AGIs below $10k, 4.2% for AGIs $10k-25k, 7.7% for AGIs $25k-50k, 9.3% for AGIs $50k-75k, 10.3% for AGIs $75k-100k, 17.2% for AGIs over 100k)

Earned income credit: $1,508 (reported on 8.2% of returns)
Here:

$1,508
State:

$1,723

Percentage of individuals using paid preparers for their 2004 taxes: 51.8%
Here:

52%
State:

66%
(% for various income ranges: 41.3% for AGIs below $10k, 52.9% for AGIs $10k-25k, 52.4% for AGIs $25k-50k, 56.8% for AGIs $50k-75k, 53.1% for AGIs $75k-100k, 57.2% for AGIs over 100k)

Estimated median household income in 2013:
This zip code:

$61,696
Kentucky:

$43,399
Cold Spring, KY (41076) map Nearest zip codes: 41099, 41015, 41085, 41071, 41075, 41014.
Percentage of family households:
This zip code:

46.8%
Kentucky:

51.2%
Percentage of households with unmarried partners:
This zip code:

3.7%
Kentucky:

5.9%
Likely homosexual households (counted as self-reported same-sex unmarried-partner households)

Household received Food Stamps/SNAP in the past 12 months: 281
Household did not receive Food Stamps/SNAP in the past 12 months: 6,696


Women who had a birth in the past 12 months: 183 (88 now married, 95 unmarried)
Women who did not have a birth in the past 12 months: 3,714 (1,800 now married, 1,914 unmarried)


Housing units in zip code 41076 with a mortgage: 3,873 (153 second mortgage, 761 home equity loan, 52 both second mortgage and home equity loan)
Houses without a mortgage: 1,457

Median monthly owner costs for units with a mortgage: $1,206
Median monthly owner costs for units without a mortgage: S406

Residents with income below the poverty level in 2013:
This zip code:

10.9%
Whole state:

18.8%
Residents with income below 50% of the poverty level in 2013:
This zip code:

5.4%
Whole state:

10.8%
Median number of rooms in houses and condos:
Here:

6.3
State:

6.3
Median number of rooms in apartments:
Here:

4.2
State:

4.5
  • Notable locations in this zip code not listed on our city pages

  • Click to draw/clear zip code borders
  • Notable locations in zip code 41076: Cold Spring Industrial Park (A), Campbell Lodge Boys Home (B), Lakeside Place Nursing Home (C), Fine Arts Center (D), Lucas Administrative Center (E), Nunn Hall (F), Regents Hall (G), University Center (H), W Frank Steely Library (I), Wilder Fire Department (J), Cold Spring - Crestview Volunteer Fire Department (K), Holly Hill Childrens Home (L), Saint Josephs Orphanage (M). Display/hide their locations on the map

    Churches in zip code 41076 include: Saint Lukes Lutheran Church (A), Saint Joseph Church (B), Rolling Hills Christian Church (C), Immanuel Church of the Nazarene (D), First Baptist Church (E), Valley Chapel (F), Asbury United Methodist Church (G), Saint Johns Church (H), Saint John The Baptist Roman Catholic Church (I). Display/hide their locations on the map

    Cemeteries: Corpus Christi Cemetery (1), Campbell County Cemetery (2), Asbury Methodist Church Cemetery (3), Johns Hill Cemetery (4), Saint Josephs Cemetery (5). Display/hide their locations on the map

    Reservoir: Lake Inferior (A). Display/hide its location on the map

    Creeks: Uhl Creek (A), Tug Creek (B), Threemile Creek (C), Pooles Creek (D), Riffle Creek (E), Owl Creek (F), Gray Creek (G), Fourmile Creek (H), Duck Creek (I). Display/hide their locations on the map

    Parks in zip code 41076 include: Frank Ignatius Grein Softball Field (1), Friendship Field (2). Display/hide their locations on the map

Year house built

  • 582010 or later
  • 1,8382000 to 2009
  • 1,6801990 to 1999
  • 9301980 to 1989
  • 9671970 to 1979
  • 7781960 to 1969
  • 5751950 to 1959
  • 2921940 to 1949
  • 3201939 or earlier

Zip code 41076 satellite photo by USGS

Owner-occupied Renter-occupied

Bedrooms in owner-occupied houses and condos in Cold Spring, KY (41076)

  • 0no bedroom
  • 641 bedroom
  • 2,2042 bedrooms
  • 1,9003 bedrooms
  • 1,0784 bedrooms
  • 845+ bedrooms

Bedrooms in renter-occupied apartments in Cold Spring, KY (41076)

  • 42no bedroom
  • 3261 bedroom
  • 9692 bedrooms
  • 2383 bedrooms
  • 724 bedrooms
  • 05+ bedrooms
Owner-occupied Renter-occupied

Cars and other vehicles available in Cold Spring, KY (41076) in owner-occupied houses/condos

  • 209no vehicle
  • 1,4491 vehicle
  • 2,3742 vehicles
  • 9323 vehicles
  • 2804 vehicles
  • 865+ vehicles

Cars and other vehicles available in Cold Spring, KY (41076) in renter-occupied apartments

  • 290no vehicle
  • 7591 vehicle
  • 4682 vehicles
  • 833 vehicles
  • 354 vehicles
  • 125+ vehicles

Median gross rent in 2013: $851.


Median price asked for vacant for-sale houses and condos in 2013: $210,903.

Estimated median house (or condo) value in 2013 for:


Estimated median house or condo value in 2013: $150,300
41076:

$150,300
Kentucky:

$120,900
Lower value quartile - upper value quartile: $113,800 - $234,500

Mean price in 2013:

Detached houses: $168,274
Here:

$168,274
State:

$165,943

Townhouses or other attached units: $1,163,288
Here:

$1,163,288
State:

$210,806

In 2-unit structures: $166,159
Here:

$166,159
State:

$146,492

In 3-to-4-unit structures: $200,998
Here:

$200,998
State:

$136,522

In 5-or-more-unit structures: $105,510
Here:

$105,510
State:

$121,464

Mobile homes: $79,271
Here:

$79,271
State:

$47,914

Owners and renters by unit type in %

Breakdown of mean house values by ages of householders

Housing units in structures:


Unemployment: 8.5%

Percentage of zip code residents living and working in this county: 33.7%

Household type by relationship:

Households: 16,513

Size of family households: 2,307 2-persons, 863 3-persons, 911 4-persons, 289 5-persons, 46 6-persons, 23 7-or-more-persons

Size of nonfamily households: 2,177 1-person, 239 2-persons, 96 3-persons, 14 4-persons, 12 5-persons

2,390 married couples with children.
647 single-parent households (47 men, 600 women).

95.3% of residents of 41076 zip code speak English at home.
2.4% of residents speak Spanish at home (79% very well, 11% well, 4% not well, 6% not at all).
0.8% of residents speak other Indo-European language at home (93% very well, 7% not well).
0.3% of residents speak Asian or Pacific Island language at home (81% very well, 19% well).
1.2% of residents speak other language at home (60% very well, 40% not well).

Foreign born population: 375 (2.2%)
(37.6% of them are naturalized citizens)
This zip code:

2.2%
Whole state:

3.4%

Most common places of birth for the foreign-born residents

  • 50%Saudi Arabia
  • 18%Iran
  • 10%Guatemala
  • 5%China, excluding Hong Kong and Taiwan
  • 5%Asia,n.e.c.
  • 4%Korea
  • 3%Canada

Most common first ancestries reported in 41076 (%)

  • 34%German
  • 10%Other groups
  • 9%American
  • 8%Irish
  • 8%English
  • 5%Italian
  • 1%Polish

Year of entry for the foreign-born population

  • 2092010 or later
  • 352000 to 2009
  • 341990 to 1999
  • 240Before 1990

Zip code 41076 topographic map

Major facilities with environmental interests located in this zip code:

Fire-safe hotels and motels in zip code 41076:

All 2 fire-safe hotels and motels in zip code 41076

Zip code 41076 marital status for males
Zip code 41076 marital status for females

Housing units lacking complete plumbing facilities: 1.1%

Most commonly used house heating fuel

  • 50%Electricity
  • 42%Utility gas
  • 4%Bottled, tank, or LP gas
  • 3%Fuel oil, kerosene, etc.
  • 1%Wood
  • 1%No fuel used

Population in 1990: 11,237. Population change in the 1990s: +3,414 (+30.4%).

Place of birth for U.S.-born residents:


59% of the 41076 zip code residents lived in the same house 5 years ago.
   Out of people who lived in different houses, 50% lived in this county.
   Out of people who lived in different counties, 50% lived in Kentucky.

92% of the 41076 zip code residents lived in the same house 1 year ago.
   Out of people who lived in different houses, 38% moved from this county.
   Out of people who lived in different houses, 26% moved from different county within same state.
   Out of people who lived in different houses, 34% moved from different state.
   Out of people who lived in different houses, 2% moved from abroad.

Year Householders Moved Into Unit

Private vs. public school enrollment:

Students in private schools in grades 1 to 8 (elementary and middle school): 579
Here:

39.8%
Kentucky:

11.3%
Students in private schools in grades 9 to 12 (high school): 183
Here:

26.3%
Kentucky:

10.8%
Students in private undergraduate colleges: 141
Here:

8.9%
Kentucky:

17.4%

Educational Attainment (%)

School Enrollment by Level of School (%)

Class of Workers (%)

Occupation by median earnings in the past 12 months ($)

  • 96,250Fire fighting and prevention, and other protective service workers including supervisors
  • 95,278Architecture and engineering occupations
  • 70,717Management occupations
  • 63,924Health diagnosing and treating practitioners and other technical occupations
  • 60,556Law enforcement workers including supervisors
  • 60,515Business and financial operations occupations

Companies with federal contracts located in this zip code:

Top industries in this zip code by the number of employees in 2005:


Age and Sex of Sensory-Disabled Residents (Noninstitutionalized)

Age and Sex of Physically-Disabled Residents (Noninstitutionalized)

Age and Sex of Mentally-Disabled Residents (Noninstitutionalized)

Age and Sex of Self-Care Disabled Residents (Noninstitutionalized)

Age and Sex of Go-Outside-Home Disabled Residents (Noninstitutionalized)

Age and Sex of Residents with Employment Disability (Noninstitutionalized)

People in group quarters in 2010:

  • 327 people in college/university student housing
  • 26 people in residential treatment centers for juveniles (non-correctional)
  • 2 people in other noninstitutional facilities

People in group quarters in 2000:

  • 756 people in college dormitories (includes college quarters off campus)
  • 247 people in nursing homes
  • 10 people in other noninstitutional group quarters
  • 3 people in other nonhousehold living situations

Fatal accident statistics in 2011:

  • Fatal accident count: 1
  • Vehicles involved in fatal accidents: 4
  • Fatal accidents caused by drunken drivers: 0
  • Fatalities: 1
  • Persons involved in fatal accidents: 5
  • Pedestrians involved in fatal accidents: 0

Fatal accident statistics in 2010:

  • Fatal accident count: 1
  • Vehicles involved in fatal accidents: 1
  • Fatal accidents caused by drunken drivers: 0
  • Fatalities: 1
  • Persons involved in fatal accidents: 1
  • Pedestrians involved in fatal accidents: 0
Home Mortgage Disclosure Act Aggregated Statistics For Year 2009
(Based on 2 full and 6 partial tracts)
A) FHA, FSA/RHS & VA
Home Purchase Loans
B) Conventional
Home Purchase Loans
C) Refinancings
D) Home Improvement Loans
E) Loans on Dwellings For 5+ Families
F) Non-occupant Loans on
< 5 Family Dwellings (A B C & D)
G) Loans On Manufactured
Home Dwelling (A B C & D)
NumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage Value
LOANS ORIGINATED218$112,018205$127,8421,007$136,10034$80,9622$2,977,41042$80,0730$0
APPLICATIONS APPROVED, NOT ACCEPTED7$125,38914$151,32038$144,4106$39,2530$01$156,0602$30,980
APPLICATIONS DENIED23$109,12916$63,961298$142,79925$41,6190$012$79,3430$0
APPLICATIONS WITHDRAWN8$92,24816$113,151128$134,5042$6,8350$08$107,1260$0
FILES CLOSED FOR INCOMPLETENESS7$86,2013$177,22325$143,1841$18,2900$01$414,5302$107,560

Detailed HMDA statistics for the following Tracts: 0526.00 , 0529.00, 0530.00, 0531.00

Private Mortgage Insurance Companies Aggregated Statistics For Year 2009
(Based on 2 full and 4 partial tracts)
A) Conventional
Home Purchase Loans
B) Refinancings
C) Non-occupant Loans on
< 5 Family Dwellings (A & B)
NumberAverage ValueNumberAverage ValueNumberAverage Value
LOANS ORIGINATED36$167,66511$159,8022$117,030
APPLICATIONS APPROVED, NOT ACCEPTED12$183,8659$138,3130$0
APPLICATIONS DENIED6$129,8357$181,0840$0
APPLICATIONS WITHDRAWN1$115,8202$110,3100$0
FILES CLOSED FOR INCOMPLETENESS1$153,6202$110,3100$0

Detailed PMIC statistics for the following Tracts: 0526.00 , 0529.00, 0530.00, 0531.00

Conventional Home Purchase Loans

Conventional Home Purchase Loans - Value

Most common first names in zip code 41076 among deceased individuals
NameCountLived (average)
Mary13680.4 years
William11977.4 years
John11574.3 years
Charles8476.7 years
Robert7972.9 years
James7271.9 years
Margaret6583.1 years
Helen6581.2 years
George6376.3 years
Edward5777.0 years
Most common last names in zip code 41076 among deceased individuals
Last nameCountLived (average)
Smith4377.7 years
Williams2279.5 years
Schmidt2176.2 years
Wagner2078.2 years
Johnson1974.7 years
Steffen1976.0 years
Meyer1977.2 years
Miller1876.7 years
Robinson1781.7 years
Clark1675.2 years
Businesses in zip code 41076
NameCountNameCount
AT&T3McDonald's1
Applebee's1Meijer1
Arby's1Pizza Hut1
Blockbuster1Ruby Tuesday1
Buffalo Wild Wings1Sprint Nextel1
Burger King1Staples1
Chipotle1Starbucks1
Cricket Wireless2Subway1
Dairy Queen1Taco Bell1
FedEx1U-Haul2
H&R Block1UPS3
Home Depot1Waffle House1
Kincaid1Walgreens1
Kohl's1Wendy's1
Kroger2White Castle1
Lowe's1

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