Cortland County, NY Average Home Price (2026)
The average home price in Cortland County, New York is about $202,500 (the 2026 median across 8 ZIP codes, at ~$135/sq ft) — 39% more affordable than the New York median and 30% more affordable than the typical U.S. home.
How Cortland County compares
Cortland County is relatively affordable for housing nationally: its typical home costs $202,500 against $333,000 for New York and $289,000 for the U.S. Within the county, ZIP-level values run from about $178,000 to $234,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Cortland County | $202,500 | $135 |
| New York | $333,000 | $241 |
| United States | $289,000 | $193 |
Cortland County home prices by ZIP code
The 8 most valuable ZIP codes in Cortland County (of 8 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 13077 Homer | $234,000 | $147 | +16% |
| 13141 Preble | $224,000 | $317 | +11% |
| 13045 Cortland | $210,000 | $154 | +4% |
| 13803 Marathon | $207,000 | $100 | +2% |
| 13158 Cuyler | $198,000 | $138 | -2% |
| 13101 Mc Graw | $181,000 | $111 | -11% |
| 13040 Cincinnatus | $180,000 | $131 | -11% |
| 13784 Harford | $178,000 | $120 | -12% |
Home value appreciation in Cortland County
Home prices in Cortland County have risen about 76% over the last 10 years (≈5.8% a year) and +104.5% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +10.0% — still rising. A home worth $202,500 today was worth roughly $114,926 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, New York is +85.6% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Cortland County
Run the numbers for Cortland County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Cortland County
To buy the typical $202,500 home in Cortland County with 20% down, you need a household income of roughly $55,000 a year (about $1,290 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $65,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $10,100 | $1,600/mo | $68,000/yr |
| 10% (+PMI) | $20,300 | $1,530/mo | $65,000/yr |
| 20% | $40,500 | $1,290/mo | $55,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Cortland County
At about $135 per square foot, here is roughly how much home different budgets get you in Cortland County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1110 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1480 sq ft | around the typical home here |
| $250k | 1850 sq ft | around the typical home here |
| $300k | 2220 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 2960 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to New York.
Estimate a specific home in Cortland County
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Cortland County home prices: frequently asked
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Browse all New York cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.