Median home value in zip code 13784 (Harford, NY) is $147,673, up 10.7% year over year. Part of the Cortland, NY metropolitan area.

Home Value$147,673

YoY Change

+10.7%

Prices rising — worse for buyers.

Affordability

Enter your income for 13784 (Harford).

Income (annual)

Down Payment

$29,535 on $147,673

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

Affordable17.7% of income

Under the 28% guideline.

PITI$1,108

P/I17.7%

Afford$233K

Room+$86K

P&I $747Tax $212Ins $150

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

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

Metro Analysis

13784 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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