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Cortland West CDP, NY

ZIP 13045 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 13045

Median Home Value
$162,700
Median Rent
$794
Affordability Snapshot
$45,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,045/mo PITI).

14%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

17.1 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 13045 in Cortland West CDP, NY, a household would need roughly $45,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,045. That sits below the local median household income ($67,028), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
58.0%-11% vs US avg
x
Vacancy Rate
9.5%-8% vs US avg
x
Broadband Access
86.6%-0% vs US avg
x
4+ Bedrooms
5.1%-65% vs US avg
x
Built Pre-1939
7.3%-43% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
27.9%-44% vs US avg
x
Mortgage-Free
39.0%+2% vs US avg
x
$162,700
Home Value
$794
Rent
1958
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached55.2%
  • 1-unit attached2.6%
  • 2-9 units28.3%
  • 10+ units10.2%
  • Mobile home & other3.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$162,700
Median rent$794
Owner-occupied58.0%
Vacant9.5%
Price-to-income2.4x
Est. income to buy$45,000