Cortland ZIP codes — Cortland County, New York

Cortland County is a small city in New York, with 46,401 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates. The median age here is 36.5 years against 39.1 nationally, a slightly younger profile than the country as a whole. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in Cortland County earn a median of $67,527 a year, 14% below the national figure of $78,538. Household income here is measured before tax and pooled across everyone at the address, which is why it reads higher than typical individual earnings in the same area. Poverty reaches 12.8% of residents here, above the 12.4% national rate.

The typical owner-occupied home in Cortland County is valued at $158,100, 47.9% below the national figure, while median gross rent runs $911 a month, 35.2% below the national figure, or roughly $10,932 across a full year. A household on the local median income would put about 16.2% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 2.3×, against roughly 3.9× nationally, so purchase prices are unusually low against local pay, the pattern in places where supply is plentiful and wage growth has been flat. 66.4% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

All values below were released by the Census for this exact geography, with no gap-filling on our side. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.