New York
Cortland County
46,401 residents33 permits TTM$67,527 median HHI11 ZIP codesUpdated April 16, 2026
Investor first look
Median home value
$158,100
ACS 5-Year
Cap rate proxy
6.9%
FMR × 0.65 ÷ Home Value
Rent-to-income
16.2%
HUD FMR ÷ ACS HHI
Net migration
+1.03%
IRS SOI
Permits (TTM)
33
Census BPS
Climate risk
51.2
FEMA NRI (0–100)
ZIP code breakdown11 ZIP codes
| ZIP | Median home value | Rent (FMR 2BR) | Gross yield | Buy Box score ↓ | Section 8 gap |
|---|---|---|---|---|---|
| 13045 | — | — | — | 0.8 | — |
| 13040 | — | — | — | 0.7 | — |
| 13101 | — | — | — | 0.7 | — |
| 13158 | — | — | — | 0.6 | — |
| 13803 | — | — | — | 0.6 | — |
| 13077 | — | — | — | 0.5 | — |
| 13087 | — | — | — | — | — |
| 13141 | — | — | — | — | — |
| 13738 | — | — | — | — | — |
| 13784 | — | — | — | — | — |
| 13863 | — | — | — | — | — |
Sort by any column. Click a ZIP for detail.
Demographics
Owner-occupied
66.4%
Census ACS
Vacancy rate
10.0%
Census ACS
Bachelor's degree +
28.3%
Census ACS
Rent burdened
41.7%
Census ACS (>30% income)
Median age
36.5
Census ACS
U.S. Census Bureau — American Community Survey 5-Year Estimates
U.S. Census Bureau — Building Permits Survey
U.S. Department of Housing and Urban Development — Fair Market Rents / Small Area Fair Market Rents (SAFMR)
Internal Revenue Service — Statistics of Income Migration Data
FEMA — National Risk Index
Last updated: April 16, 2026