Cortland, NY · standard
ZIP Code 13045
Cortland County, New York - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 30,112
- 109/sq mi High-density area
- $69,961
- Median income Near-median income area
- $167,500
- Median home value Near-median home value
- 31.1%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Cortland pairs a below-median household income with below-median home values, in a rural, mixed-tenure area.
- 47th pct
- household income, US ZIPs
- 33rd pct
- home value, US ZIPs
- 109
- people per sq mi
- 58%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 13045 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 13045 (Cortland, NY) fell -5.4% from 2023 to 2024. The all-transactions index moved from 228.9 in 2023 to 216.6 in 2024 (2000 = 100).
ZIP code 13045 is a densely settled ZIP (a standard USPS delivery area) in Cortland, Cortland County, New York, with 30,112 residents across 276.0 square miles, a density of 109 people per square mile, in the New York time zone.
ZIP 13045 reports a modest median household income of $69,961 (24% below the average New York ZIP), while per-capita income is $32,959. The poverty rate is 15.5%, with unemployment at 4.0%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $167,500 (56% below the average New York ZIP), and median rent is $981; owner occupancy is 58.3%.
A solid share of residents have a four-year degree: 31.1% of adults hold a bachelor's degree or higher, the median age is 32.9, and the average commute is 19 minutes. The page also surfaces 6 ZIP codes within roughly 10 miles and 6 more in Cortland County, so 13045 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 13045
Top 5 sectors by establishment count in Cortland, NY
Which industries have the most business establishments in ZIP 13045.
- Retail trade
Retail trade
128 establishments
- Accommodation and food services
Accommodation and food services
98 establishments
- Health care and social assistance
Health care and social assistance
91 establishments
- Other services (except public administration)
Other services (except public administration)
82 establishments
- Construction
Construction
52 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 13045, Cortland, NY · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
30,112
Population
276.0
Area (sq mi)
109
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 13045?
32.9
Median Age
48.7%
Male
51.3%
Female
3.4%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$69,961
Median Household Income
-24% vs state ZIP avg
$32,959
Per Capita Income
15.5%
Poverty Rate
4.0%
Unemployment Rate
19.0 min
Mean Commute Time
How ZIP 13045 ranks nationally
Cortland, NY household income vs. every US ZIP code
Median household income, the full national distribution, with this ZIP marked
$69,961 47th percentile higher than 47% of 30,318 US ZIPs
Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
12,464housing units
12,464
Total Housing Units
11,397
Occupied Units
1,067
Vacant Units
2.17
Avg Household Size
Occupancy Type
$167,500
Median Home Value
-56% vs state ZIP avg
$981
Median Rent
1958
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
-5.4%
YoY Change (2024)
217
HPI Index (2000 = 100)
+117%
Total Change Since 2000
Home values in ZIP 13045 have decreased 5.4% over the past year (2024). Since 2000, this ZIP has seen +117% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +8.8% | 162 |
| 2021 | +9.1% | 177 |
| 2022 | +15.3% | 204 |
| 2023 | +12.2% | 229 |
| 2024 | -5.4% | 217 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 700 business establishments in ZIP 13045, employing approximately 12,306 people with a combined annual payroll of $534,640,000.
700
Businesses
12,306
Employees
$534.6M
Annual Payroll
16
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 128 | 18.3% |
| Accommodation and food services | 98 | 14.0% |
| Health care and social assistance | 91 | 13.0% |
| Other services (except public administration) | 82 | 11.7% |
| Construction | 52 | 7.4% |
| Professional, scientific, and technical services | 44 | 6.3% |
| Manufacturing | 36 | 5.1% |
| Finance and insurance | 36 | 5.1% |
| Real estate and rental and leasing | 33 | 4.7% |
| Administrative and support and waste management and remediation services | 26 | 3.7% |
| Arts, entertainment, and recreation | 22 | 3.1% |
| Wholesale trade | 13 | 1.9% |
| Transportation and warehousing | 12 | 1.7% |
| Information | 11 | 1.6% |
| Management of companies and enterprises | 6 | 0.9% |
| Educational services | 4 | 0.6% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 13045 vs 13102 →
ZIP 13045 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 13045
Cortland (13045)
30,112 residents
- 13077 6,735
Homer (13077)
6,735 residents
- 13053 5,015
Dryden (13053)
5,015 residents
- 13803 3,975
Marathon (13803)
3,975 residents
- 13101 2,508
Mc Graw (13101)
2,508 residents
- 13087 168
Little York (13087)
168 residents
- 13102 85
Mc Lean (13102)
85 residents
What this shows Among its immediate neighbors, ZIP 13045 ranks the most populous - useful context the national average alone can't give.
ZIP 13045 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 13087
Little York (13087)
$97,125 median income
- 13053
Dryden (13053)
$83,021 median income
- 13077
Homer (13077)
$72,266 median income
- 13045
Cortland (13045)
$69,961 median income
- 13803
Marathon (13803)
$63,713 median income
- 13101
Mc Graw (13101)
$63,587 median income
What this shows By household income, ZIP 13045 ranks #4 of 6 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 13045, both outside NY so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (30,112 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Cortland County
Related Areas
Frequently Asked Questions
What county is ZIP code 13045 in?
ZIP code 13045 (Cortland) is located in Cortland County, New York. Cortland County contains multiple ZIP codes, see the full list at /counties/cortland-ny.
What is the population of ZIP code 13045?
ZIP code 13045 in Cortland, NY has a population of 30,112 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 13045?
The median household income in ZIP 13045 is $69,961, which is 8% below the national average of $76,288.
What is the average home value in ZIP 13045?
The median home value in ZIP 13045 is $167,500, which is 40% below the national average of $278,155.
What is the demographic makeup of ZIP 13045?
The largest racial group in ZIP 13045 is White at 87.6%. Hispanic or Latino residents make up 5.0% of the population.
How many businesses are in ZIP code 13045?
ZIP code 13045 has 700 business establishments employing approximately 12,306 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 13045?
The top industries by establishment count in ZIP 13045 are: Retail trade (128), Accommodation and food services (98), Health care and social assistance (91). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 13045?
According to the FHFA House Price Index, home values in ZIP 13045 decreased by 5.4% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 117%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 13045?
In ZIP code 13045, 61.8% of residents aged 25+ have a high school diploma or higher, and 31.1% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 13045?
The mean commute time for workers in ZIP code 13045 is 19.0 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 13045?
In ZIP code 13045, approximately 58.3% of occupied housing units are owner-occupied and 41.7% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 13045?
The poverty rate in ZIP code 13045 is 15.5% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 13045's numbers, next.
- See how ZIP 13045 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Cortland, NY ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.