Cortland, NY Metro Area - Investment Guide
Metro Area • 10 Cities • 10 ZIP Codes
Avg Home Value
$191,850
Avg Monthly Rent
$1,136
Avg Cap Rate
4.71%
Avg Investability
3.0 ★
Cities
10
ZIP Codes
10
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Market Trends
Metro Home Value History
Metro Rent History
🏦 30-yr Fixed Rate:
6.76%
as of Sep 10
Source: Freddie Mac PMMS
☀️
WARM MARKET
Cortland, NY Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
10.4%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅
Market conditions data as of August 29, 2026 — updated weekly
Best ZIP codes in Cortland, NY
Every ZIP in the metro, ranked four ways. Free.
Cities in Cortland, NY
Top ZIP Codes by Investability
| ZIP Code | City | State | Home Value | Rent | Cap Rate | Rating |
|---|---|---|---|---|---|---|
| 13141 | Preble | NY | $215,927 | $1,170 | 4.23% | |
| 13863 | Willet | NY | $136,978 | $1,125 | 6.41% | |
| 13040 | Cincinnatus | NY | $182,631 | $963 | 4.11% | |
| 13158 | Cuyler | NY | $190,606 | $1,071 | 4.38% | |
| 13784 | Harford | NY | $160,226 | $1,350 | 6.57% | |
| 13045 | Cortland | NY | $210,494 | $1,309 | 4.85% | |
| 13077 | Homer | NY | $235,161 | $1,242 | 4.12% | |
| 13803 | Marathon | NY | $196,127 | $1,026 | 4.08% | |
| 13101 | Mc Graw | NY | $182,897 | $1,017 | 4.34% | |
| 13841 | Smithville Flats | NY | $145,116 | $1,089 | 5.85% | |
| 13040 | Cincinnatus | NY | $162,089 | $963 | 4.63% | |
| 13141 | Preble | NY | $225,066 | $1,170 | 4.05% | |
| 13863 | Willet | NY | $141,846 | $1,125 | 6.19% | |
| 13045 | Cortland | NY | $194,081 | $1,196 | 4.81% | |
| 13158 | Cuyler | NY | $198,632 | $1,071 | 4.21% | |
| 13784 | Harford | NY | $172,388 | $1,350 | 6.11% | |
| 13077 | Homer | NY | $216,348 | $1,242 | 4.48% | |
| 13101 | Mc Graw | NY | $166,707 | $1,017 | 4.76% | |
| 13803 | Marathon | NY | $209,284 | $1,026 | 3.82% | |
| 13141 | Preble | NY | $206,403 | $1,170 | 4.42% | |
| 13841 | Smithville Flats | NY | $148,019 | $1,089 | 5.74% | |
| 13863 | Willet | NY | $153,930 | $1,125 | 5.70% | |
| 13040 | Cincinnatus | NY | $182,821 | $963 | 4.11% | |
| 13158 | Cuyler | NY | $181,688 | $1,071 | 4.60% | |
| 13784 | Harford | NY | $147,673 | $1,350 | 7.13% | |
| 13045 | Cortland | NY | $208,680 | $1,367 | 5.11% | |
| 13077 | Homer | NY | $234,265 | $1,242 | 4.14% | |
| 13803 | Marathon | NY | $187,046 | $1,026 | 4.28% | |
| 13101 | Mc Graw | NY | $183,770 | $1,017 | 4.32% | |
| 13841 | Smithville Flats | NY | $141,945 | $1,089 | 5.98% | |
| 13040 | Cincinnatus | NY | $163,202 | $963 | 4.60% | |
| 13141 | Preble | NY | $224,157 | $1,170 | 4.07% | |
| 13863 | Willet | NY | $135,874 | $1,125 | 6.46% | |
| 13045 | Cortland | NY | $196,516 | $1,245 | 4.94% | |
| 13158 | Cuyler | NY | $199,030 | $1,071 | 4.20% | |
| 13784 | Harford | NY | $170,024 | $1,350 | 6.19% | |
| 13077 | Homer | NY | $219,310 | $1,242 | 4.42% | |
| 13101 | Mc Graw | NY | $170,903 | $1,017 | 4.64% | |
| 13803 | Marathon | NY | $207,894 | $1,026 | 3.85% | |
| 13141 | Preble | NY | $207,948 | $1,170 | 4.39% | |
| 13841 | Smithville Flats | NY | $151,031 | $1,089 | 5.62% | |
| 13863 | Willet | NY | $154,906 | $1,125 | 5.66% | |
| 13040 | Cincinnatus | NY | $176,387 | $963 | 4.26% | |
| 13158 | Cuyler | NY | $186,218 | $1,071 | 4.49% | |
| 13784 | Harford | NY | $149,181 | $1,350 | 7.06% | |
| 13045 | Cortland | NY | $204,084 | $1,327 | 5.07% | |
| 13803 | Marathon | NY | $189,538 | $1,026 | 4.22% | |
| 13077 | Homer | NY | $227,023 | $1,242 | 4.27% | |
| 13101 | Mc Graw | NY | $178,307 | $1,017 | 4.45% | |
| 13841 | Smithville Flats | NY | $140,257 | $1,089 | 6.06% |
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About Cortland, NY Real Estate Market
The Cortland, NY metropolitan statistical area (MSA) encompasses 10 cities and 10 ZIP codes. The average home value across the metro is $191,850, with an average monthly rent of $1,136. Explore individual cities and ZIP codes to find investment opportunities that match your criteria.