Median home value in zip code 13040 (Cincinnatus, NY) is $162,089, up 7.1% year over year. Part of the Cortland, NY metropolitan area.

Home Value$162,089

YoY Change

+7.1%

Prices rising — worse for buyers.

Affordability

Enter your income for 13040 (Cincinnatus).

Income (annual)

Down Payment

$32,418 on $162,089

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

Affordable19.2% of income

Under the 28% guideline.

PITI$1,202

P/I19.2%

Afford$236K

Room+$74K

P&I $820Tax $232Ins $150

6.50% 30yr, 20% down, county tax + NY ins. 28% per HUD.

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

Metro Analysis

13040 is part of the Cortland, NY metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

View Cortland, NY analysis

Want deeper metro-level analysis?Stress scores, crash risk, 12-month forecasts, and early warning signals for 195 US metros.

Try Free

Weekly briefing

Every Monday — score changes, top movers, and what shifted. Free.