New York
Cortland County
ZIP 13803
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 13803
Median home value
—
Gross yield
—
Cap rate
5.8%
Rent gap
—
Affordability
P/I: 2.8R/I: —
Section 8 detail
SAFMR: —Rent: —Gap: —
ZIP code breakdown11 ZIP codes
| ZIP | Median home value | Rent (FMR 2BR) | Gross yield | Cap rate | Rent gap |
|---|---|---|---|---|---|
| 13863 | — | — | — | 6.9% | — |
| 13784 | — | — | — | 6.9% | — |
| 13087 | — | — | — | 6.9% | — |
| 13738 | — | — | — | 6.9% | — |
| 13040 | — | — | — | 6.7% | — |
Ranked by composite score
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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