PlainZIP

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
$69,961
Median income
$167,500
Median home value
31.1%
Bachelor's or higher

The verdict

Cortland pairs a below-median household income with below-median home values, in a rural, mixed-tenure area.

47th pct
household income, US ZIPs
33th 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.

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 New York average), while per-capita income is $32,959. Poverty here runs at 15.5%, with unemployment measured at 4.0%. On housing, the median home value is $167,500 (56% below the state average) with median rent at $981 per month, and 58.3% of occupied units are owner-occupied.

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. To put 13045 in local context, 6 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Cortland County, for a geography-aware comparison.

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.

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 · ZIP Code Business Patterns (ZBP) As of 2023

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

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 13045?

32.9

Median Age

48.7%

Male

51.3%

Female

3.4%

Foreign-Born

White 87.6%
African American 2.6%
Asian 1.7%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 6.4%
Hispanic or Latino 5.0%

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

$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

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

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?

High School Graduate or Higher 61.8%
Bachelor's Degree or Higher 31.1%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

12,464

Total Housing Units

11,397

Occupied Units

1,067

Vacant Units

2.17

Avg Household Size

Occupancy Type

Owner 58.3%
Renter 41.7%

$167,500

Median Home Value

-56% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 13045 ranks the most populous - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 13045 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

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.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
13102 Mc Lean, NY 85 5.5 mi
13077 Homer, NY 6,735 9.2 mi
13101 Mc Graw, NY 2,508 6.5 mi
13087 Little York, NY 168 8.8 mi
13053 Dryden, NY 5,015 8.3 mi
13803 Marathon, NY 3,975 10.8 mi

More ZIP Codes in Cortland County

13077 standard
Homer, NY
Pop: 6,735
13803 standard
Marathon, NY
Pop: 3,975
13040 standard
Cincinnatus, NY
Pop: 2,758
13101 standard
Mc Graw, NY
Pop: 2,508
13158 standard
Truxton, NY
Pop: 1,855
13863 standard
Willet, NY
Pop: 688

Related Areas

Cortland County Cortland, NY New York

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.

Read our methodology to see how this data is sourced, computed, and verified.