The median home in Cortland, New York is valued at $191,743, up 5.4% year over year. Typical monthly rent is $1,152, producing a price-to-rent ratio of 13.9x — below the national average of 18x. Cortland is part of the Cortland, NY metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

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Home Value$191,743

+5.4%

Rent$1,152/mo

AFFORDABILITY

Enter your income for Cortland.

Income (annual)

Down Payment

$38,349 on $191,743

Affordable — 22.3% of income

Under the 28% guideline.

PITI$1,394

P/I22.3%

Afford$241K

Room+$49K

P&I $970Tax $275Ins $150

Renting $242/mo cheaper ($1,152 rent)6.50% 30yr, 20% down, county tax + NY ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in New York

Compare Cortland with other housing markets across New York.

Sagaponack$7210K Water Mill$4535K Bridgehampton$4439K Wainscott$3780K Sands Point$3176K Amagansett$2966K Old Westbury$2853K Quogue$2769K

Full Cortland, NY analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Cortland, NY metro.

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CORTLAND, NY