10516 ZIP Code — Cold Spring, NY

Putnam County, New York

ZIP code 10516 is located in Cold Spring, New York, within Putnam County. It covers approximately 31.49 square miles and serves a population of 5,585 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 845.

About ZIP code 10516

The housing stock consists of a mix of housing types. Most homes were built in the pre-1940, giving the area an established character. Median home value is $597,900. Owner-occupancy sits near the national average at 75%.

The gap between median ($130,893) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 6% is below the national average. 37% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. An above-average commute of 48 minutes suggests many residents work outside the immediate area. Remote work is prevalent — 23% of workers work from home.

Educational attainment is high — 61% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 10516 reflects a community defined by a highly educated population, a high rate of remote workers, and a significant Social Security-dependent population.

5,585

population

31.49

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

10516 ZIP code map

Cities in ZIP code 10516

Below are the cities the US Postal Service accepts for ZIP code 10516. Using any city not on this list may result in mail delivery delays.

City	Status
Cold Spring	Acceptable
Cold Spring	Preferred

Nearby ZIP codes

12508 Beacon (3.7 mi) 10524 Garrison (4.8 mi) 10996 West Point (4.9 mi) 12520 Cornwall On Hudson (5.2 mi) 10579 Putnam Valley (5.6 mi) 12524 Fishkill (5.7 mi) 12518 Cornwall (6.1 mi) 10537 Lake Peekskill (7.7 mi) 12553 New Windsor (7.9 mi) 10588 Shrub Oak (9.3 mi) 12550 Newburgh (9.3 mi) 10541 Mahopac (9.6 mi)

Demographics updated 06/2026

Population
Total population	5,585
Population density	177 / sq mi
State FIPS	36
County FIPS	079

Geography
Land area	31.49 sq mi
Water area	0.61 sq mi
Latitude	41.4471
Longitude	-73.9092
Timezone	Eastern (ET)
Area code	845

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	21.9%	20.4%	37.0%
$50k – $100k	21.3%	25.8%	27.0%
$100k – $200k	32.1%	37.3%	24.4%
Over $200k	24.7%	16.4%	11.5%

Demographics & statistics

5,585

Population

177

People per sq mi

48.6

Median age

$130,893

Median household income

$71,264

Per capita income

$597,900

Median home value

$1,638

Median monthly rent

74.8%

Home ownership

6.3%

Poverty rate

4.3%

Unemployment

2,041

Housing units

61.1%

Bachelor's or higher

Age distribution

Male Female

141

Under 5

142

130

5–9

131

144

10–14

144

170

15–19

171

116

20–24

116

171

25–34

172

403

35–44

405

45–54

407

197

55–59

197

283

60–64

284

411

65–74

413

158

75–84

159

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,111	19.9%
18 and over	4,474	80.1%
65 and over	1,256	22.5%
Median age	48.6 years

Race & ethnicity

White 88.1%

Black or African American 3.6%

Two or more races 3.3%

Hispanic or Latino 2.9%

Asian 1%

Other race 1%

Group	Count	%
White	5,066	88.1%
Black or African American	208	3.6%
Two or more races	190	3.3%
Hispanic or Latino	166	2.9%
Asian	60	1%
Other race	59	1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	21.9%	20.4%	37.0%
$50k – $100k	21.3%	25.8%	27.0%
$100k – $200k	32.1%	37.3%	24.4%
Over $200k	24.7%	16.4%	11.5%

Under $10k 3.4%

$10k–$15k 2.2%

$15k–$25k 3.7%

$25k–$35k 4.5%

$35k–$50k 5.2%

$50k–$75k 10.8%

$75k–$100k 10.0%

$100k–$150k 16.0%

$150k–$200k 11.8%

$200k+ 32.4%

Range	% of households
Under $10k	3.4%
$10k–$15k	2.2%
$15k–$25k	3.7%
$25k–$35k	4.5%
$35k–$50k	5.2%
$50k–$75k	10.8%
$75k–$100k	10.0%
$100k–$150k	16.0%
$150k–$200k	11.8%
$200k+	32.4%
Median income	$130,893

Housing

Home values

Under $50k 4.5%

$50k–$100k 0.4%

$100k–$150k 1.3%

$150k–$200k 1.7%

$200k–$300k 4.1%

$300k–$500k 21.2%

$500k–$1M 58.5%

$1M+ 8.3%

Housing overview

Metric	Value
Median home value	$597,900
Median rent / month	$1,638
Owner occupied	74.8%
Renter occupied	25.2%
Vacant	11.7%
Single-family detached	68.9%
Large apartment buildings	1.5%
Mobile homes	4.5%
Median rooms	5.9
Avg household size (owned)	2.49

Year built

Era	%
2020 or later	0.3%
2010–2019	5.5%
2000–2009	10.7%
1990–1999	7.9%
1980–1989	6.1%
1970–1979	14.3%
1960–1969	11.5%
1950–1959	7.4%
1940–1949	3.8%
1939 or earlier	32.5%

Bedrooms

Size	% of units
No bedroom (studio)	2.1%
1 bedroom	14.7%
2 bedrooms	30.6%
3 bedrooms	39.3%
4 bedrooms	10.6%
5+ bedrooms	2.7%

Vehicles per household

Vehicles	% of households
No vehicle	7.3%
1 vehicle	38.0%
2 vehicles	35.2%
3 or more	19.5%

Heating fuel

Fuel type	%
Utility gas	3.7%
Electricity	10.7%
Propane / LP gas	12.1%
Fuel oil	70.9%
Wood	0.5%
Solar	0.1%

Households & families

Household type	Count	%
Married-couple family	1,233	53.2%
Cohabiting couple	153	6.6%
Male householder, no spouse	319	13.8%
Female householder, no spouse	611	26.4%
Households with children under 18	735	31.7%
Households with seniors (65+)	965	41.7%
Average household size	2.40

Marital status

Status	Male	Female
Never married	29.0%	25.1%
Married	61.6%	52.8%
Separated	1.4%	1.8%
Widowed	1.3%	8.1%
Divorced	6.7%	12.2%

Education

Less than 9th grade 1.1%

Some HS, no diploma 2.4%

HS graduate 14.8%

Some college, no degree 12.5%

Associate's degree 8.1%

Bachelor's degree 30.8%

Graduate / professional 30.3%

Metric	%
HS diploma or higher	96.5%
Bachelor's or higher	61.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	103	9.3%
Kindergarten	17	1.5%
Elementary school	502	45.3%
High school	309	27.9%
College / grad school	178	16.1%

Employment

Industry of employment

Education & healthcare 27.4%

Professional & management 18.3%

Retail trade 10.7%

Construction 8.8%

Arts, food & hospitality 8.4%

Finance & real estate 6.0%

Information 5.1%

Public administration 3.8%

Other services 3.7%

Manufacturing 3.5%

Transportation & utilities 2.5%

Wholesale trade 1.0%

Agriculture & mining 0.9%

Occupation

Category	%
Management, business & arts	58.7%
Service	10.6%
Sales & office	20.0%
Natural resources & construction	8.6%
Production & transportation	2.2%

Employment type

Type	%
Private sector	68.1%
Government	18.1%
Self-employed	13.6%
Unpaid family workers	0.2%

Commute

Method	%
Drive alone	48.5%
Carpool	3.5%
Public transit	17.2%
Walk	6.3%
Work from home	22.5%
Other means	2.0%
Avg commute (minutes)	47.6

Poverty

All people 6.3%

Under 18 years 9.7%

18 and over 5.4%

Married-couple families 1.3%

Female-led households 11.6%

Income support

Source	% of households
Social Security	36.6%
Retirement income	28.3%
Supplemental Security	1.9%
Cash public assistance	0.7%
Food stamps / SNAP	4.6%

Health indicators

Condition	%
Obesity	26.0%
High blood pressure	29.0%
High cholesterol	32.4%
Diabetes	7.8%
Heart disease	5.4%
Stroke	2.3%
Asthma	9.4%
Arthritis	22.0%
Kidney disease	2.5%
Pulmonary disease	5.0%
Cancer	7.4%

Behavior / access	%
Smoking	11.3%
Binge drinking	17.1%
No physical activity	17.0%
Less than 7 hrs sleep	30.9%
Depression	18.1%
Fair or poor health	8.6%
Poor mental health	11.7%
Poor physical health	7.7%
No health insurance	7.2%
Visited doctor (checkup)	79.2%
Visited dentist	75.8%
Cholesterol screening	94.1%
Teeth loss	7.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	185	4.1%

Disability	%
Any disability	9.9%
Under 18	4.1%
18–64 years	7.5%
65 and over	21.3%

Health insurance coverage

Type	%
Private insurance	77.8%
Public insurance	34.8%
No insurance	3.8%
Uninsured under 19	2.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	5,302	94.9%
Spanish	76	1.4%
Other Indo-European	36	0.7%
Asian & Pacific Islander	34	0.6%
Other languages	6	0.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	5,109	91.5%
Born in same state	5,048	90.4%
Born in different state	3,906	69.9%
Foreign born	61	1.1%
Naturalized citizen	476	8.5%
Not a US citizen	306	64.3%

Ancestry

Ancestry	Count	%
Italian	1,440	25.8%
French	507	9.1%
Arab	226	4%
German	64	1.1%

Ancestry	Count	%
English	55	1%
Irish	52	0.9%
Polish	50	0.9%
Norwegian	7	0.1%

Technology access

Metric	% of households
Computer access	41.5%
Internet access	95.7%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 10516

What city is ZIP code 10516 in?

ZIP code 10516 is primarily assigned to Cold Spring, New York.

What county is ZIP code 10516 in?

ZIP code 10516 falls within Putnam County, New York.

How educated is the population of ZIP code 10516?

61% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Does ZIP code 10516 have a large retiree population?

37% of households in ZIP code 10516 receive Social Security income, suggesting a significant retiree or disability population.

What is the median household income in ZIP code 10516?

The median household income in ZIP code 10516 is $130,893, above the national median of ~$75,000.

What is the typical home value in ZIP code 10516?

The median home value in ZIP code 10516 is $597,900.

What timezone is ZIP code 10516 in?

ZIP code 10516 observes the EST timezone.