ZIP Code 13045 — Cortland, New York

The median home in 13045 is valued at $162,700 against a median household income of $67,028, a price-to-income ratio of 2.4. That is below the 2.9 median across the 1,572 New York ZIP codes with published housing data, and near the 3.0 ratio that marks an attainable market nationally. Within Cortland County, 13045 ranks 9 of 9 ZIPs on affordability (1 = lowest ratio); the county median ratio is 2.0. Renting takes 16.2% of median household income (median rent $905 a month), under the 30% cost-burden threshold.

13045 ranks 1,119 of 1,572 statewide on median household income and 1,132 of 1,572 on median home value; its income is in line with the $70,111 Cortland County median. 58% of households own their home, below the 80% statewide ZIP median, making this a majority-owner ZIP. 30% of adults hold a bachelor's degree or higher, in line with the 31% median, and the poverty rate is 15.5%, far above the 9.9% statewide ZIP median. Unemployment stands at 5.6%.

With 263 residents per square mile across 107.9 square miles of land, 13045 is denser than the statewide ZIP median of 197 (rank 724 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.