ZIP 13101 vs ZIP 13045

This side-by-side compares ZIP 13101 (Mc Graw, NY) and ZIP 13045 (Cortland, NY) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 13101 has a population of 2,508 at 25 people per square mile, while ZIP 13045 has 30,112 at 109 per square mile. That difference in population size and density alone reshapes how every other metric should be interpreted — a higher-income ZIP with 1,200 residents behaves very differently from one with 45,000.

On income and education, ZIP 13101 reports a median household income of $63,587 against $69,961 in ZIP 13045, with per-capita income of $32,947 vs $32,959. The share of adults holding a bachelor's degree or higher is 18.9% in 13101 and 31.1% in 13045. Poverty rate reads 9.3% vs 15.5%, and unemployment 1.8% vs 4.0% — these four fields alone drive most of the difference in the scorecard grades you will see for each ZIP.

Housing separates these two ZIPs further: median home value sits at $143,700 in 13101 versus $167,500 in 13045, with median rent of $1,042 and $981 per month respectively. Homeownership rate is 80.5% vs 58.3%. When reading the comparison table below, focus on paired metrics rather than single winners — a ZIP with lower home values and lower income is not strictly "worse" if rent-to-income ratios and commute times land in the same zone. Every value is pulled from the exact same ACS table so the two columns are genuinely comparable.