Median home value in zip code 13045 (Cortland, NY) is $194,081, up 5.9% year over year. Part of the Cortland, NY metropolitan area.

Home Value$194,081

YoY Change

+5.9%

Prices rising — worse for buyers.

Affordability

Enter your income for 13045 (Cortland).

Income (annual)

Down Payment

$38,816 on $194,081

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

Affordable22.6% of income

Under the 28% guideline.

PITI$1,410

P/I22.6%

Afford$241K

Room+$47K

P&I $981Tax $278Ins $150

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

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

Metro Analysis

13045 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.

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