U.S. ZIP Code · NY13045
Cortland County
Appreciation
- 1-year
- +7.2%
- 5-year / yr
- +6.6%
- 10-year / yr
- +5.8%
Relative price
- vs U.S.
- -29.7%
- vs metro
- —
- vs state
- -37.3%
Price history
Zillow Home Value Index — monthly, smoothed and seasonally adjusted.
The typical home in 13045 is worth $199,655. Over the past year, values have risen 7.2%. Homes here rent for a typical $1,333 a month — a 8.0% gross rental yield. The effective property tax rate is 2.2%.
#Rent & investment
Typical asking rent, and the returns it implies at the current home value.
#Property tax
Effective rate — total real estate taxes paid relative to total home value.
#Climate risk
FEMA National Risk Index ratings for Cortland County. "Not Applicable" means the hazard does not threaten the county.
- Overall risk
- Relatively Low[4]
- Riverine flood
- Relatively Low
- Coastal flood
- Not Applicable
- Wildfire
- Very Low
- Drought
- No Rating
- Heat wave
- Very Low
- Hurricane
- Relatively Low
- Tornado
- Relatively Low
- Earthquake
- Very Low
- Winter weather
- Relatively Low
#Who lives here
#Migration
Household moves in and out of Cortland County over a year, from IRS tax-return data.
- Net migration
- -111[5]
- Moved in
- 970
- Moved out
- 1,081
Schools
Open public schools in this ZIP, from the NCES Common Core of Data.
- Public schools
- 5
- Elementary
- 2
- Middle
- 2
- High
- 1
CORTLAND HIGH SCHOOL
High · Grades 9–12 · CORTLAND CITY SCHOOL DISTRICT
592 students
FRANKLYN S BARRY PRIMARY SCHOOL
Elementary · Grades PK–2 · CORTLAND CITY SCHOOL DISTRICT
458 students
CORTLAND JUNIOR HIGH SCHOOL
Middle · Grades 7–8 · CORTLAND CITY SCHOOL DISTRICT
277 students
FE SMITH INTERMEDIATE SCHOOL
Elementary · Grades 3–4 · CORTLAND CITY SCHOOL DISTRICT
272 students
RANDALL MIDDLE SCHOOL
Middle · Grades 5–6 · CORTLAND CITY SCHOOL DISTRICT
263 students
Run the numbers
Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.
Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.
Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.
Renting is meaningfully cheaper month-to-month.
This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.
#Metro ranking
Where this ZIP sits among others in its metro area.
Frequently asked
- How much is a home worth in ZIP code 13045?
- The typical home in 13045 is worth $199,655, based on the Zillow Home Value Index.
- Are home values rising in 13045?
- Home values in 13045 are up 7.2% over the past year, and up 6.6% a year over five years.
- What is the typical rent in 13045?
- A typical home in 13045 rents for about $1,333 a month, a gross rental yield of 8.0%.
- What is the property tax rate in 13045?
- The effective property tax rate in 13045 is 2.2% — roughly $4,436 a year on a typical home.
- Who lives in 13045?
- ZIP code 13045 has a population of 28,361 and a median household income of $69,961.
Compare ZIPs
Pit ZIP 13045 against any other ZIP — full side-by-side table.
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