Best ZIP Codes for Cash Flow in Cortland, NY (2026)
Ranked by cap rate — the annual return on the purchase price before financing. ZIPs that also clear the 1% rule are marked.
| # | ZIP | City | Home value | Rent | Cap rate | 5-yr growth |
|---|---|---|---|---|---|---|
| 1 | 13784 | Harford, NY | $172,388 | $1,350 | 6.11% | 3.8% |
| 2 | 13841 | Smithville Flats, NY | $148,019 | $1,089 | 5.74% | 5.0% |
| 3 | 13863 | Willet, NY | $153,930 | $1,125 | 5.70% | 6.6% |
| 4 | 13045 | Cortland, NY | $210,494 | $1,309 | 4.85% | 7.0% |
| 5 | 13101 | Mc Graw, NY | $182,897 | $1,017 | 4.34% | 6.4% |
| 6 | 13158 | Cuyler, NY | $198,632 | $1,071 | 4.21% | 5.3% |
| 7 | 13077 | Homer, NY | $235,161 | $1,242 | 4.12% | 6.7% |
| 8 | 13040 | Cincinnatus, NY | $182,631 | $963 | 4.11% | 6.7% |
| 9 | 13141 | Preble, NY | $225,066 | $1,170 | 4.05% | 6.9% |
| 10 | 13803 | Marathon, NY | $209,284 | $1,026 | 3.82% | 7.4% |
Ranked from Repit’s own ZIP-level data — Zillow home values and rents, HUD fair-market rents where Zillow has no coverage, and U.S. Census vacancy. Cap rate is gross: annual rent over purchase price, before financing and expenses. Every ZIP above links to its full free page. How we calculate this →
Same metro, different strategy
Appreciation in Cortland, NY · Affordable in Cortland, NY
Or see the full Cortland, NY metro profile.