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.

Home Value$191,743

+5.4%

Rent$1,152/mo

Prices rising — worse for buyers.

Affordability

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Income (annual)

Down Payment

$38,349 on $191,743

Example: $75,000 household income. Change it above to see your own.

Affordable22.3% 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$7.21M Water Mill$4.54M Bridgehampton$4.44M Wainscott$3.78M Sands Point$3.18M Amagansett$2.97M Old Westbury$2.85M Quogue$2.77M

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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