13045 ZIP Code — Cortland, NY
Cortland County, New York
ZIP code 13045 is located in Cortland, New York, within Cortland County. It covers approximately 107.85 square miles and serves a population of 28,157 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 607.
About ZIP code 13045
The housing stock consists of a mix of housing types. Most homes were built in the pre-1940, giving the area an established character. Median home value is $152,200. Owner-occupancy sits near the national average at 58%.
Median household income is $63,762.
The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 18 minutes is near the national average.
Educational attainment is near the national average, with 30% of residents holding a bachelor's degree or higher.
28,157
population
107.85
sq mi land
Standard
ZIP type
Eastern (ET)
timezone
13045 ZIP code map
Cities in ZIP code 13045
Below are the cities the US Postal Service accepts for ZIP code 13045. Using any city not on this list may result in mail delivery delays.
| City | Status |
|---|---|
| Cortland | Acceptable |
| Cortland | Preferred |
Nearby ZIP codes
13101 Mc Graw (5.9 mi)
13077 Homer (7.5 mi)
13053 Dryden (10.4 mi)
13803 Marathon (10.4 mi)
13073 Groton (11 mi)
13141 Preble (11.5 mi)
13092 Locke (11.9 mi)
13068 Freeville (12.8 mi)
13158 Truxton (13 mi)
13040 Cincinnatus (13.5 mi)
13159 Tully (13.8 mi)
13118 Moravia (15.3 mi)
Demographics
updated 06/2026
| Population | |
|---|---|
| Total population | 28,157 |
| Population density | 261 / sq mi |
| State FIPS | 36 |
| County FIPS | 023 |
| Geography | |
|---|---|
| Land area | 107.85 sq mi |
| Water area | 0.34 sq mi |
| Latitude | 42.6114 |
| Longitude | -76.1790 |
| Timezone | Eastern (ET) |
| Area code | 607 |
Total population by age
Gender
Race & ethnicity
Economics
updated 06/2026
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 43.3% | 42.3% | 37.0% |
| $50k – $100k | 33.2% | 34.5% | 27.0% |
| $100k – $200k | 19.9% | 20.0% | 24.4% |
| Over $200k | 3.6% | 3.2% | 11.5% |
Demographics & statistics
28,157
Population
261
People per sq mi
32.1
Median age
$63,762
Median household income
$30,238
Per capita income
$152,200
Median home value
$885
Median monthly rent
57.6%
Home ownership
15.8%
Poverty rate
4.9%
Unemployment
7,698
Housing units
29.9%
Bachelor's or higher
Age distribution
Male
Female
622
Under 5
640
701
5–9
722
499
10–14
513
1,693
15–19
1,741
2,212
20–24
2,276
1,618
25–34
1,664
1,308
35–44
1,345
1,483
45–54
1,525
830
55–59
853
929
60–64
956
1,228
65–74
1,263
534
75–84
550
223
85+
229
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 4,573 | 16.2% |
| 18 and over | 23,584 | 83.8% |
| 65 and over | 4,027 | 14.3% |
| Median age | 32.1 years | |
Race & ethnicity
White
85.9%
Hispanic or Latino
4%
Two or more races
3.9%
Black or African American
2.9%
Other race
1.8%
Asian
1.3%
American Indian / Alaska Native
0.1%
| Group | Count | % |
|---|---|---|
| White | 25,203 | 85.9% |
| Hispanic or Latino | 1,174 | 4% |
| Two or more races | 1,155 | 3.9% |
| Black or African American | 856 | 2.9% |
| Other race | 521 | 1.8% |
| Asian | 392 | 1.3% |
| American Indian / Alaska Native | 30 | 0.1% |
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 43.3% | 42.3% | 37.0% |
| $50k – $100k | 33.2% | 34.5% | 27.0% |
| $100k – $200k | 19.9% | 20.0% | 24.4% |
| Over $200k | 3.6% | 3.2% | 11.5% |
Under $10k
5.0%
$10k–$15k
6.4%
$15k–$25k
7.9%
$25k–$35k
8.4%
$35k–$50k
10.7%
$50k–$75k
20.3%
$75k–$100k
12.9%
$100k–$150k
16.0%
$150k–$200k
8.1%
$200k+
4.2%
| Range | % of households |
|---|---|
| Under $10k | 5.0% |
| $10k–$15k | 6.4% |
| $15k–$25k | 7.9% |
| $25k–$35k | 8.4% |
| $35k–$50k | 10.7% |
| $50k–$75k | 20.3% |
| $75k–$100k | 12.9% |
| $100k–$150k | 16.0% |
| $150k–$200k | 8.1% |
| $200k+ | 4.2% |
| Median income | $63,762 |
Housing
Home values
Under $50k
2.9%
$50k–$100k
17.7%
$100k–$150k
28.3%
$150k–$200k
23.4%
$200k–$300k
15.9%
$300k–$500k
6.7%
$500k–$1M
4.7%
$1M+
0.3%
Housing overview
| Metric | Value |
|---|---|
| Median home value | $152,200 |
| Median rent / month | $885 |
| Owner occupied | 57.6% |
| Renter occupied | 42.4% |
| Vacant | 11.1% |
| Single-family detached | 56.2% |
| Large apartment buildings | 5.2% |
| Mobile homes | 4.2% |
| Median rooms | 5.9 |
| Avg household size (owned) | 2.43 |
Year built
| Era | % |
|---|---|
| 2020 or later | 0.1% |
| 2010–2019 | 2.0% |
| 2000–2009 | 2.9% |
| 1990–1999 | 9.1% |
| 1980–1989 | 8.5% |
| 1970–1979 | 10.9% |
| 1960–1969 | 11.2% |
| 1950–1959 | 10.5% |
| 1940–1949 | 7.6% |
| 1939 or earlier | 37.2% |
Bedrooms
| Size | % of units |
|---|---|
| No bedroom (studio) | 2.7% |
| 1 bedroom | 13.9% |
| 2 bedrooms | 25.2% |
| 3 bedrooms | 35.7% |
| 4 bedrooms | 17.1% |
| 5+ bedrooms | 5.4% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 11.8% |
| 1 vehicle | 34.7% |
| 2 vehicles | 37.0% |
| 3 or more | 16.5% |
Heating fuel
| Fuel type | % |
|---|---|
| Utility gas | 60.7% |
| Electricity | 16.7% |
| Propane / LP gas | 7.5% |
| Fuel oil | 7.8% |
| Wood | 3.5% |
| Solar | 0.1% |
| No fuel used | 0.6% |
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 4,515 | 41.1% |
| Cohabiting couple | 1,103 | 10.0% |
| Male householder, no spouse | 2,218 | 20.2% |
| Female householder, no spouse | 3,152 | 28.7% |
| Households with children under 18 | 2,990 | 27.2% |
| Households with seniors (65+) | 2,938 | 26.7% |
| Average household size | 2.24 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 47.5% | 43.7% |
| Married | 40.1% | 36.9% |
| Separated | 2.0% | 1.8% |
| Widowed | 2.5% | 7.1% |
| Divorced | 7.9% | 10.4% |
Education
Less than 9th grade
5.4%
Some HS, no diploma
4.9%
HS graduate
27.3%
Some college, no degree
20.4%
Associate's degree
12.1%
Bachelor's degree
16.0%
Graduate / professional
13.9%
| Metric | % |
|---|---|
| HS diploma or higher | 89.8% |
| Bachelor's or higher | 29.9% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 225 | 2.6% |
| Kindergarten | 242 | 2.8% |
| Elementary school | 1,699 | 19.5% |
| High school | 1,074 | 12.4% |
| College / grad school | 5,453 | 62.7% |
Employment
Industry of employment
Education & healthcare
32.6%
Arts, food & hospitality
15.1%
Retail trade
11.1%
Manufacturing
10.2%
Professional & management
6.4%
Other services
5.3%
Construction
4.5%
Finance & real estate
4.4%
Public administration
4.4%
Transportation & utilities
2.9%
Information
1.3%
Agriculture & mining
0.9%
Wholesale trade
0.9%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 37.3% |
| Service | 26.6% |
| Sales & office | 17.4% |
| Natural resources & construction | 6.0% |
| Production & transportation | 12.6% |
Employment type
| Type | % |
|---|---|
| Private sector | 76.2% |
| Government | 19.7% |
| Self-employed | 4.1% |
| Unpaid family workers | 0.0% |
Commute
| Method | % |
|---|---|
| Drive alone | 70.5% |
| Carpool | 12.8% |
| Public transit | 1.2% |
| Walk | 6.4% |
| Work from home | 6.5% |
| Other means | 2.6% |
| Avg commute (minutes) | 18.2 |
Poverty
All people
15.8%
Under 18 years
11.2%
18 and over
16.8%
Married-couple families
2.1%
Female-led households
26.5%
Income support
| Source | % of households |
|---|---|
| Social Security | 29.7% |
| Retirement income | 25.4% |
| Supplemental Security | 6.8% |
| Cash public assistance | 2.7% |
| Food stamps / SNAP | 15.8% |
Health indicators
| Condition | % |
|---|---|
| Obesity | 27.4% |
| High blood pressure | 27.6% |
| High cholesterol | 28.3% |
| Diabetes | 7.9% |
| Heart disease | 5.6% |
| Stroke | 2.7% |
| Asthma | 11.1% |
| Arthritis | 21.3% |
| Kidney disease | 2.7% |
| Pulmonary disease | 6.7% |
| Cancer | 5.8% |
| Behavior / access | % |
|---|---|
| Smoking | 16.7% |
| Binge drinking | 19.3% |
| No physical activity | 23.1% |
| Less than 7 hrs sleep | 35.3% |
| Depression | 22.7% |
| Fair or poor health | 12.3% |
| Poor mental health | 16.5% |
| Poor physical health | 9.6% |
| No health insurance | 10.8% |
| Visited doctor (checkup) | 76.0% |
| Visited dentist | 61.4% |
| Cholesterol screening | 86.2% |
| Teeth loss | 15.2% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 1,236 | 5.2% |
| Disability | % |
|---|---|
| Any disability | 12.9% |
| Under 18 | 9.5% |
| 18–64 years | 10.6% |
| 65 and over | 28.7% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 74.3% |
| Public insurance | 35.3% |
| No insurance | 3.1% |
| Uninsured under 19 | 0.3% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 26,895 | 95.5% |
| Spanish | 460 | 1.7% |
| Other Indo-European | 21 | 0.1% |
| Asian & Pacific Islander | 344 | 1.3% |
| Other languages | 47 | 0.2% |
Place of birth & citizenship
| Origin | Count | % |
|---|---|---|
| Native born (US) | 27,331 | 97.1% |
| Born in same state | 27,118 | 96.3% |
| Born in different state | 23,778 | 84.4% |
| Foreign born | 213 | 0.8% |
| Naturalized citizen | 826 | 2.9% |
| Not a US citizen | 638 | 77.2% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| Italian | 4,724 | 16.8% |
| French | 4,377 | 15.5% |
| Arab | 2,427 | 8.6% |
| English | 385 | 1.4% |
| German | 153 | 0.5% |
| Ancestry | Count | % |
|---|---|---|
| Norwegian | 72 | 0.3% |
| Irish | 69 | 0.2% |
| Polish | 67 | 0.2% |
| Dutch | 33 | 0.1% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 39.0% |
| Internet access | 93.6% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 13045
What city is ZIP code 13045 in?
ZIP code 13045 is primarily assigned to Cortland, New York.
What county is ZIP code 13045 in?
ZIP code 13045 falls within Cortland County, New York.
What is the poverty rate in ZIP code 13045?
16% of residents in ZIP code 13045 live below the poverty line, above the national average.
What is the typical home value in ZIP code 13045?
The median home value in ZIP code 13045 is $152,200.
What is the population of ZIP code 13045?
ZIP code 13045 has an estimated population of 28,157 residents, with a density of 261 people per square mile.
What is the median household income in ZIP code 13045?
The median household income in ZIP code 13045 is $63,762, below the national median of ~$75,000.
What timezone is ZIP code 13045 in?
ZIP code 13045 observes the EST timezone.