Cold Spring ZIP Codes — Stearns County, MN

There is one unique ZIP code in Cold Spring, Minnesota and it is 56320. Area code: 320.

ZIP codes

51.07

sq mi land

3.61

sq mi water

320

area code

Cold Spring, MN ZIP code map

About Cold Spring, MN

Cold Spring, Minnesota, is a charming city located in Stearns County. Known for its close-knit community and scenic landscapes, Cold Spring offers a peaceful environment for its residents. With a rich history and beautiful surroundings, it serves as a lovely destination for both visitors and locals alike.

Location & geography

Cold Spring is situated in the central part of Minnesota, conveniently located near several other cities. Nearby towns include Richmond, just 5 miles to the east, and St. Cloud, approximately 15 miles to the northwest. The city encompasses a total land area of 102.14 square miles, complemented by 7.21 square miles of water, providing a mix of picturesque lakes and wooded areas.

Community & economy

The character of Cold Spring is defined by its strong sense of community and supportive atmosphere, where residents often engage in local events and activities. The local economy is bolstered by key industries, including various manufacturing businesses and agriculture. Daily life in Cold Spring is characterized by a mix of small-town charm and accessibility to modern amenities, making it a great place to live and work.

Transportation

Traveling to and from Cold Spring is made easy with access to several highways, including Minnesota State Highway 23. The nearest major airport is the St. Cloud Regional Airport, located about 15 miles away, providing convenient flight options for travelers. Public transit options may be limited, encouraging residents to rely on personal vehicles for commuting.

History

Cold Spring was founded in the 1800s and has historically been a hub for agriculture and manufacturing industries. Notable events in the city's past include the establishment of local businesses that have helped shape its economy and identity. The town has grown steadily while maintaining its quaint, neighborhood feel.

Did you know?

An interesting fact about Cold Spring is its reputation for being one of the largest manufacturers of granite in the United States. This stone has been used in various significant structures across the nation, showcasing the city’s industrial legacy.

ZIP codes for Cold Spring, MN (1)

ZIP code	City	County	Map
56320	Cold Spring	Stearns	View map

Demographics & statistics

8,447

Population

42.6

Median age

$95,625

Median household income

$42,098

Per capita income

$284,800

Median home value

$1,140

Median monthly rent

81.6%

Home ownership

7.1%

Poverty rate

4.1%

Unemployment

2,971

Housing units

31.0%

Bachelor's or higher

Age distribution

Male Female

290

Under 5

298

299

5–9

307

298

10–14

306

241

15–19

248

268

20–24

276

352

25–34

362

469

35–44

482

547

45–54

564

390

55–59

402

239

60–64

246

339

65–74

349

258

75–84

265

173

85+

179

← Male

Female →

Age summary

Group	Count	%
Under 18	2,120	25.1%
18 and over	6,327	74.9%
65 and over	1,563	18.5%
Median age	42.6 years

Race & ethnicity

White 92%

Hispanic or Latino 3.8%

Two or more races 2.2%

Other race 1.9%

American Indian / Alaska Native 0.1%

Group	Count	%
White	8,078	92%
Hispanic or Latino	336	3.8%
Two or more races	192	2.2%
Other race	163	1.9%
American Indian / Alaska Native	6	0.1%

Household income

Under $10k 1.4%

$10k–$15k 2.7%

$15k–$25k 7.1%

$25k–$35k 3.7%

$35k–$50k 7.1%

$50k–$75k 20.1%

$75k–$100k 12.0%

$100k–$150k 21.3%

$150k–$200k 14.7%

$200k+ 10.0%

Range	% of households
Under $10k	1.4%
$10k–$15k	2.7%
$15k–$25k	7.1%
$25k–$35k	3.7%
$35k–$50k	7.1%
$50k–$75k	20.1%
$75k–$100k	12.0%
$100k–$150k	21.3%
$150k–$200k	14.7%
$200k+	10.0%
Median income	$95,625

Housing

Home values

Under $50k 3.6%

$50k–$100k 0.4%

$100k–$150k 4.8%

$150k–$200k 13.0%

$200k–$300k 31.3%

$300k–$500k 30.2%

$500k–$1M 14.3%

$1M+ 2.4%

Housing overview

Metric	Value
Median home value	$284,800
Median rent / month	$1,140
Owner occupied	81.6%
Renter occupied	18.4%
Vacant	10.8%
Single-family detached	79.3%
Large apartment buildings	7.1%
Mobile homes	4.1%
Median rooms	6.9
Avg household size (owned)	2.79

Year built

Era	%
2020 or later	0.1%
2010–2019	7.6%
2000–2009	14.6%
1990–1999	20.3%
1980–1989	11.2%
1970–1979	17.4%
1960–1969	12.8%
1950–1959	6.9%
1940–1949	1.0%
1939 or earlier	8.2%

Bedrooms

Size	% of units
No bedroom (studio)	0.6%
1 bedroom	5.9%
2 bedrooms	20.6%
3 bedrooms	31.5%
4 bedrooms	34.4%
5+ bedrooms	7.1%

Vehicles per household

Vehicles	% of households
No vehicle	4.1%
1 vehicle	20.3%
2 vehicles	45.0%
3 or more	30.6%

Heating fuel

Fuel type	%
Utility gas	52.6%
Electricity	19.2%
Propane / LP gas	24.3%
Fuel oil	1.0%
Wood	2.1%
No fuel used	0.1%

Households & families

Household type	Count	%
Married-couple family	2,045	64.5%
Cohabiting couple	224	7.1%
Male householder, no spouse	390	12.3%
Female householder, no spouse	511	16.1%
Households with children under 18	907	28.6%
Households with seniors (65+)	985	31.1%
Average household size	2.63

Marital status

Status	Male	Female
Never married	28.5%	20.6%
Married	64.4%	60.8%
Separated	0.0%	0.7%
Widowed	2.6%	8.7%
Divorced	4.5%	9.2%

Education

Less than 9th grade 4.0%

Some HS, no diploma 4.3%

HS graduate 23.8%

Some college, no degree 20.7%

Associate's degree 16.2%

Bachelor's degree 20.3%

Graduate / professional 10.7%

Metric	%
HS diploma or higher	91.7%
Bachelor's or higher	31.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	194	9.4%
Kindergarten	99	4.8%
Elementary school	988	47.8%
High school	429	20.7%
College / grad school	359	17.4%

Employment

Industry of employment

Education & healthcare 28.2%

Manufacturing 15.0%

Retail trade 12.1%

Arts, food & hospitality 9.2%

Construction 6.7%

Professional & management 6.6%

Transportation & utilities 6.1%

Finance & real estate 4.1%

Wholesale trade 3.8%

Other services 3.4%

Public administration 2.4%

Agriculture & mining 2.0%

Information 0.5%

Occupation

Category	%
Management, business & arts	42.3%
Service	14.5%
Sales & office	17.9%
Natural resources & construction	9.0%
Production & transportation	16.4%

Employment type

Type	%
Private sector	85.5%
Government	10.7%
Self-employed	3.6%
Unpaid family workers	0.1%

Commute

Method	%
Drive alone	83.6%
Carpool	6.4%
Public transit	0.3%
Walk	0.2%
Other means	0.4%
Avg commute (minutes)	22.5

Poverty

All people 7.1%

Under 18 years 11.9%

18 and over 5.5%

Married-couple families 1.0%

Female-led households 37.9%

Income support

Source	% of households
Social Security	32.4%
Retirement income	27.3%
Supplemental Security	2.1%
Cash public assistance	3.2%
Food stamps / SNAP	6.9%

Health indicators

Condition	%
High blood pressure	28.7%
High cholesterol	29.7%
Heart disease	6.1%
Stroke	2.8%
Asthma	8.3%
Arthritis	23.4%
Kidney disease	2.7%
Pulmonary disease	5.1%
Cancer	7.3%

Behavior / access	%
Binge drinking	19.8%
No physical activity	20.3%
Less than 7 hrs sleep	28.6%
Fair or poor health	10.7%
Poor mental health	12.6%
Poor physical health	8.8%
No health insurance	10.1%
Visited doctor (checkup)	70.3%
Visited dentist	73.5%
Cholesterol screening	90.1%
Teeth loss	9.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	444	7.0%

Disability	%
Any disability	9.8%
Under 18	2.2%
18–64 years	5.9%
65 and over	33.4%

Health insurance coverage

Type	%
Private insurance	82.7%
Public insurance	29.1%
Uninsured under 19	0.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	7,859	93.0%
Spanish	95	1.2%
Other Indo-European	51	0.6%
Asian & Pacific Islander	40	0.5%
Other languages	4	0.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	8,232	97.5%
Born in same state	8,189	96.9%
Born in different state	7,316	86.6%
Foreign born	43	0.5%
Naturalized citizen	215	2.5%
Not a US citizen	168	78.1%

Ancestry

Ancestry	Count	%
Polish	899	10.6%
French	577	6.8%
Italian	567	6.7%
Arab	350	4.1%
English	46	0.5%

Ancestry	Count	%
Dutch	25	0.3%
German	23	0.3%
Norwegian	2	0%
Irish	1	0%

Technology access

Metric	% of households
Computer access	37.5%
Internet access	93.0%

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

Frequently asked questions

What ZIP codes does Cold Spring, MN have?

Cold Spring, MN has one ZIP code: 56320. Each ZIP code serves a distinct delivery area within the city and surrounding region.