| City: | Cortland, New York |
| Names to Avoid: | Cortlandville, Munsons Corners, Virgil |
| Counties: | Cortland County [Primary] Cayuga County Tompkins County |
| Timezone: | Eastern (GMT -05:00) |
| Local Time: | 10:31:31 PM |
| Population: | 28,406 [See All] |
| Area Code: | 607 |
| Classification: | Standard [Normal Street Delivery] |
| Coordinates: | 42.6114, -76.1790 |
| Land Area: | 107.854 sq mi |
| Quick Link: |
ZIP Code 13045 has 28,406 residents and 10,897 households (average 2.26 persons per household). The median age is 36.2 years, slightly younger than the state (39.0) and slightly younger than the nation (38.8). The gender split is 48.9% male and 51.1% female, which is about the same as the state male share (48.4%), making this a female-majority area. Largest groups are White (85.3%, much higher than the state average of 55.2% and well above the national average of 61.6%) and Hispanic or Latino (4.4%); Hispanic or Latino residents make up 4.4%, which is much lower than the state average (19.5%).
Explore More: Population Over Time By Age & Gender By Race By Gender Nativity & Citizenship
| 2020 Population: | 28,406Source: Census DHC |
| 2023 ACS Population Estimate: | 28,388Source: Census ACS |
| 2025 ZC Population Estimate: | 25,786Source: ZIP-Codes.com |
| Population Density: | 263.4 people per sq mile |
| Average Income: | $67,028Source: Census ACS |
| Households: | 10,897Source: Census DHC |
| Average House Value: | $162,700Source: Census ACS |
| Persons Per Household: | 2.26Source: Census DHC |
| Average Family Size: | 3.33Source: Census ACS |
| Group | 2010 | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Census ACS Population Estimate | -- | 30,517 | 30,052 | 30,031 | 30,009 | 29,816 | 29,609 | 29,439 | 29,223 | 28,916 | 28,975 | 28,158 | 28,157 | 28,388 |
| Decennial Census | 30,112 | -- | -- | -- | -- | -- | -- | -- | -- | -- | 28,406 | -- | -- | -- |
Median Age: 36.2
Male Median Age: 35.8
Female Median Age: 36.5
| Group | < 5 | 5-9 | 10-14 | 15-19 | 20-24 | 25-29 | 30-34 | 35-39 | 40-44 | 45-49 | 50-54 | 55-59 | 60-64 | 65-69 | 70-74 | 75-79 | 80-84 | 85+ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Male | 680 | 687 | 700 | 1,937 | 1,127 | 828 | 844 | 742 | 750 | 715 | 812 | 899 | 887 | 721 | 627 | 391 | 260 | 274 |
| Female | 610 | 655 | 682 | 2,161 | 1,240 | 861 | 807 | 767 | 673 | 693 | 789 | 1,019 | 855 | 837 | 685 | 458 | 321 | 412 |
| Total | 1,290 | 1,342 | 1,382 | 4,098 | 2,367 | 1,689 | 1,651 | 1,509 | 1,423 | 1,408 | 1,601 | 1,918 | 1,742 | 1,558 | 1,312 | 849 | 581 | 686 |
| White: | 24,222 | 86.52% |
| Black: | 813 | 2.90% |
| Hispanic:* | 1,247 | 4.45% |
| Asian: | 959 | 3.43% |
| American Indian: | 83 | 0.30% |
| Hawaiian: | 10 | 0.04% |
| Other: | 662 | 2.36% |
| Total: | 27,996 | 100% |
| Gender | Count | % | Median Age |
|---|---|---|---|
| Males: | 13,881 | 48.87% | 35.8 years |
| Females: | 14,525 | 51.13% | 36.5 years |
| Total: | 28,406 | 100% | 36.2 years |
| Native, born in the United States: | 27,245 | 95.97% |
| Native, born in PR, Island Areas, or abroad: | 226 | 0.80% |
| Foreign born, naturalized U.S. citizen: | 680 | 2.40% |
| Foreign born, not a U.S. citizen: | 237 | 3.23% |
| Total Population: | 28,388 | 100% |
| Total Native Population: | 27,471 | 96.77% |
| Total Foreign-born Population: | 917 | 3.23% |
In 2023, the Median household income is $67,028, which is much lower than the state median ($84,578), is up $22,625 (51.0%) since 2011 and above its 2019 pre-pandemic level by $13,436. Family households earn a median of $88,265 versus $38,656 for nonfamily households (a difference of $49,609). By gender, male median income is $59,366 and female is $49,567, which is far less than the state female median ($63,701), with a current gap of $9,799 that has widened from 2011 to 2023. The labor-force participation rate is 62.8%, which is comparable to the national rate (63.5%). The unemployment rate is 5.6%, which is a bit less than the state rate (6.2%). The largest occupation group is Management (39.4%).
Explore More: Income Over Time Household Income Employment Status By Occupation
| Income Type | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Household Income | $44,403 | $44,840 | $43,985 | $44,768 | $46,204 | $47,667 | $50,042 | $52,726 | $53,592 | $57,420 | $59,385 | $63,762 | $67,028 |
| Median Family Income | $57,748 | $58,459 | $57,318 | $62,775 | $64,415 | $67,959 | $71,169 | $72,449 | $72,119 | $75,096 | $79,573 | $85,758 | $88,265 |
| Median NonFamily Income | $24,455 | $24,824 | $26,955 | $26,942 | $25,969 | $26,592 | $30,145 | $28,555 | $29,343 | $35,193 | $35,368 | $36,250 | $38,656 |
| Median Male Income | $41,122 | $41,116 | $41,806 | $42,641 | $42,966 | $45,972 | $46,840 | $48,795 | $49,501 | $50,703 | $52,917 | $56,750 | $59,366 |
| Median Female Income | $33,277 | $33,737 | $34,109 | $34,424 | $34,673 | $33,830 | $35,632 | $37,449 | $39,035 | $40,015 | $42,949 | $45,493 | $49,567 |
| Employed: | 14,355 | 59.13% |
| Unemployed: | 857 | 3.53% |
| Not In Labor Force: | 9,067 | 37.35% |
| Total: | 24,279 | 100% |
| Management, business, science, and arts: | 5,649 | 39.35% |
| Service: | 3,406 | 23.73% |
| Sales and Office: | 2,558 | 17.82% |
| Natural resources, construction, and maintenance: | 782 | 5.45% |
| Production, transportation, and material moving: | 1,960 | 13.65% |
| Total Civilian Employed Population: | 14,355 | 100% |
In 2023, the median home value is $162,700, which is well under the state median ($403,000), is up $63,400 (63.85%) since 2011 and above its 2019 pre-pandemic level by $37,500. The median gross rent is $905, which is considerably lower than the state median ($1,576), is up $242 (36.50%) since 2011 and above its 2019 pre-pandemic level by $129. Of occupied housing, owners make up 57.99% (60.99% with a mortgage, 39.01% free-and-clear) and renters 42.01% - making this ZIP Code more home ownership than the state and higher than national rental averages. The vacancy rate is 9.52%, which is considerably lower than the national rate (10.43%).
Explore More: Compare Home Value Home Value Over Time Rent & Over Time Housing Occupancy
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Home Value | $99,300 | $105,300 | $108,400 | $105,900 | $110,000 | $114,700 | $114,500 | $119,100 | $125,200 | $131,700 | $135,500 | $152,200 | $162,700 |
| Less than $500: | 499 | 10.57% |
| $500 to $999: | 2,214 | 46.90% |
| $1,000 to $1,499: | 1,475 | 31.24% |
| $1,500 to $1,999: | 211 | 4.47% |
| $2,000 to $2,499: | 102 | 2.16% |
| $2,500 to $2,999: | 5 | 0.11% |
| $3,000 or more: | 69 | 1.46% |
| No Rent: | 146 | 3.09% |
| Total: | 4,721 | 100% |
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Rent | $663 | $681 | $668 | $675 | $684 | $701 | $743 | $757 | $776 | $780 | $808 | $885 | $905 |
| Owner Occupied (with mortgage): | 3,975 | 35.37% |
| Owner Occupied (free and clear, no mortgage): | 2,542 | 22.62% |
| Renter Occupied: | 4,721 | 42.01% |
| Total Occupied Housing Units: | 11,238 | 100% |
| Occupied Housing Units: | 11,238 | 90.48% |
| Vacant Housing Units (not graphed): | 1,182 | 9.52% |
| Total Housing Units: | 12,420 | 100% |
| Single-Family Units: | 7,179 | 57.80% |
| Multi-Family Units: | 4,789 | 38.56% |
| Other Units: | 452 | 3.64% |
| Total Housing Units: | 12,420 | 100% |
In 2023, 29.70% of adults (25+) have a bachelor's degree or higher, which is markedly below the state rate (39.60%). High school or higher is 90.10%, which is edges higher than the state rate (87.90%). The uninsured rate is 3.00%, which is far lower than the national rate (8.60%). The share of people in poverty is 7.10%, which is generally lower than the state rate (9.80%), down 1.80 percentage points since 2011 and below its 2019 pre-pandemic level by 1.10 percentage points. This suggests a positive shift in the local economic and social landscape - higher incomes, steadier consumer demand, and a strengthening tax base. Among residents ages 3+, the largest enrollment group is college (59.80%). College enrollment is 59.80%, which is far higher than the national rate (26.70%), indicating the community is likely a college hub with student-driven housing and services.
Explore More: Educational Attainment Health Insurance Poverty Over Time School Enrollment
| Less than 9th grade: | 894 | 5.33% |
| 9th to 12th grade, no diploma: | 766 | 4.56% |
| High school graduate (includes equivalency): | 4,999 | 29.79% |
| Some college, no degree: | 3,159 | 18.82% |
| Associate's degree: | 1,985 | 11.83% |
| Bachelor's degree: | 2,493 | 14.86% |
| Graduate or professional degree: | 2,485 | 14.81% |
| Total: | 16,781 | 100% |
| High school or higher: | 15,121 | 90.11% |
| Bachelor's degree or higher: | 4,978 | 29.66% |
| Private Insurance: | 20,152 | 63.83% |
| Public Insurance: | 10,576 | 33.50% |
| No Insurance: | 844 | 2.67% |
| Total: | 31,572 | 100% |
| Has Health Insurance: | 30,728 | 97.33% |
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| % of People in Poverty | 8.9% | 8.5% | 9.9% | 8.1% | 7.8% | 7.6% | 7.7% | 8.3% | 8.2% | 7.8% | 7.1% | 7.4% | 7.1% |
Note: Counts of Families & People in poverty are not published at the ZIP Code level due to small sample sizes. Percentages shown are survey estimates from the American Community Survey (ACS). They may differ from official poverty statistics. The U.S. Census Bureau defines poverty status by comparing a family's or individual's total income with federal poverty thresholds that vary by family size and composition.
| Nursery School, Preschool: | 261 | 3.05% |
| Kindergarten: | 265 | 3.10% |
| Elementary school (grades 1-8): | 1,779 | 20.82% |
| High school (grades 9-12): | 1,130 | 13.22% |
| College or graduate school: | 5,110 | 59.80% |
| Total: | 8,545 | 100% |
| Early Childhood: | 526 | 6.16% |
| K-12 (Primary & Secondary School): | 3,174 | 37.14% |
ZIP Code 13045 supports both business and residential activity. According to the Business Census (2023), there are 700 business establishments, employing about 12,306 people with an annual payroll of $534,640,000. USPS data shows 11,410 residential mailboxes and 886 business mailboxes, reflecting local delivery coverage.
| # Residential Mailboxes: | 11,410Source: USPS |
| # Business Mailboxes: | 886Source: USPS |
| Total Delivery Receptacles: | 12,637Source: USPS |
| Single Family Delivery Units: | 9,351Source: USPS |
| Multi Family Delivery Units: | 1,820Source: USPS |
| # of Businesses: | 700Source: CBP |
| 1st Quarter Payroll: | $132,483,000Source: CBP |
| Annual Payroll: | $534,640,000Source: CBP |
| # of Employees: | 12,306Source: CBP |
ZIP Code 13045 is located in Cortland County, New York, within the Cortland, NY Metropolitan Statistical Area (CBSA 18660) and New York's 19th and 24th Congressional Districts. This Micro area has a population of 46,401 people, about 61.22% of whom live in ZIP Code 13045. It covers 107.854 sq mi of land and a water area of 0.336 sq mi.
| CBSA Name: | Cortland, NYSource: Census |
| CBSA Number: | 18660Source: Census |
| CBSA Type: | MicroSource: Census |
| CBSA Division: | --Source: Census |
| CBSA Population: | 46,401Source: Census |
| MSA: | Source: Census |
| Land Area: | 107.854 sq miSource: Census |
| Water Area: | 0.336 sq miSource: Census |
| Congressional District: | 19,24Source: USPS |
| Congressional Land Area: | 7937.02, 2388.56 sq miSource: Census |
| PMSA: | Source: Census |
| Intro Date: | < 2004-10Source: ZIP-Codes.com |
| Place FIPS Code: | 3618388Source: Census |
| Place Name: | Cortland city; New YorkSource: Census |
ZIP Code 13045 is in the Cortland City School District, which serves grades Pre-Kindergarten thru 12th. There are 5 public schools and 2 private school(s) in this ZIP Code. It also has 6 colleges, universities or post secondary education institutions nearby which would be a short commute to.
Our sources include trusted federal and licensed data from the United States Postal Service, U.S. Census Bureau, U.S. Geological Survey, Centers for Medicare & Medicaid Services, and the National Center for Education Statistics, along with proprietary datasets created by ZIP-Codes.com. Data last updated on October 1, 2025.