Zip code 13045: Cortland, New York

Q: What city is zip code 13045?

13045 is assigned to Cortland, New York. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 13045 in?

13045 is mostly in Cortland County, but it extends into 2 other counties.

Q: What is the population of 13045?

About 28,361 people live in 13045, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 13045?

The median household income in 13045 is $69,961.

Q: What zip codes are near 13045?

The closest zip codes to 13045 are 13738, 13102, 13101, 13056, 13087.

Residential delivery areaCortland CountyEastern Time

Population

28,361

Median household income

$70K

U.S. $81K

Median home value

$168K

U.S. $333K

Median rent

$981/mo

U.S. $1,413

Median age

32.9

U.S. 38.9

Land area

108 sq mi

263 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 13045

13045 is a small-town zip code in Cortland, New York (Cortland County), covering 108 sq mi of land. About 28,361 people live here, or 263 per square mile. The median resident is 32.9 years old, compared with 38.9 nationally.

The median household earns $69,961 a year, 13% below the national median of $80,734. 15.5% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $167,500, or 2.4 years of median household income (U.S.: 4.1 years), which makes homes relatively affordable for local earners. 58% of occupied homes are lived in by their owners, and renters pay a median of $981 a month.

31% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 19 minutes each way, and 8% of workers work from home. The most common jobs among working residents are in healthcare, food service and management.

How 13045 compares

Sorted from highest to lowest national percentile

Government workers20.3%
85th
U.S. 14.5% · NY 16.4%650th of 1,685 in NY
Poverty rate15.5%
71st
U.S. 12.5% · NY 14%414th of 1,679 in NY
Housing vacancy8.6%
64th
U.S. 10.1% · NY 10%946th of 1,675 in NY
Healthcare workers10.4%
64th
U.S. 9.7% · NY 11.8%774th of 1,685 in NY
Bachelor's degree or higher31.1%
48th
U.S. 35.7% · NY 40.2%876th of 1,691 in NY
Rent-burdened renters50%
47th
U.S. 51.1% · NY 52.1%758th of 1,579 in NY
Population28,361
46th
U.S. 334,922,499 · NY 19,852,366230th of 1,693 in NY
Tech workers2.3%
39th
U.S. 3.8% · NY 3.5%746th of 1,685 in NY
Income inequality (Gini)0.423
39th
U.S. 0.483 · NY 0.517820th of 1,669 in NY
Median household income$69,961
36th
U.S. $80,734 · NY $85,9741,089th of 1,602 in NY
Residents 65 and older14.6%
35th
U.S. 17.2% · NY 17.9%1,373rd of 1,693 in NY
Self-employed workers8.2%
35th
U.S. 10% · NY 9.7%1,047th of 1,685 in NY
Unemployment rate4%
34th
U.S. 5.2% · NY 6.4%944th of 1,685 in NY
Veterans4.4%
31st
U.S. 6.2% · NY 3.7%1,034th of 1,693 in NY
Homeownership rate58.3%
29th
U.S. 65.2% · NY 54.3%1,382nd of 1,673 in NY
Per capita income$32,959
27th
U.S. $44,673 · NY $50,7121,340th of 1,690 in NY
Work from home8.4%
25th
U.S. 15.1% · NY 14.9%1,148th of 1,685 in NY
Broadband access88.4%
25th
U.S. 91% · NY 90.8%1,122nd of 1,673 in NY
Population density263/sq mi
24th
U.S. 95/sq mi · NY 421/sq mi786th of 1,693 in NY
Median earnings per worker$40,272
22nd
U.S. $49,666 · NY $55,3211,434th of 1,676 in NY
Uninsured rate3.9%
21st
U.S. 8.4% · NY 5.1%714th of 1,689 in NY
Foreign-born residents3.4%
21st
U.S. 14.1% · NY 22.8%987th of 1,693 in NY
Median gross rent$981
20th
U.S. $1,413 · NY $1,621913th of 1,367 in NY
Diversity index24.6
17th
U.S. 61.4 · NY 65.5887th of 1,693 in NY
Median home value$167,500
14th
U.S. $332,700 · NY $423,8001,200th of 1,614 in NY
Residents under 1816.6%
13th
U.S. 22% · NY 20.5%1,194th of 1,693 in NY
Median age32.9
11th
U.S. 38.9 · NY 39.81,569th of 1,693 in NY
Average commute19 min
9th
StrengthU.S. 26.4 min · NY 32.6 min1,443rd of 1,618 in NY

Measure	13045	Cortland	NY	U.S.	National percentile	Rank in NY
Government workers	20.3%	19.7%	16.4%	14.5%	85th	650th of 1,685
Poverty rate	15.5%	12.8%	14%	12.5%	71st	414th of 1,679
Housing vacancy	8.6%	8.8%	10%	10.1%	64th	946th of 1,675
Healthcare workers	10.4%	10.2%	11.8%	9.7%	64th	774th of 1,685
Bachelor's degree or higher	31.1%	29.1%	40.2%	35.7%	48th	876th of 1,691
Rent-burdened renters	50%	50.4%	52.1%	51.1%	47th	758th of 1,579
Population	28,361	46,246	19,852,366	334,922,499	46th	230th of 1,693
Tech workers	2.3%	2.3%	3.5%	3.8%	39th	746th of 1,685
Income inequality (Gini)	0.423	0.418	0.517	0.483	39th	820th of 1,669
Median household income	$69,961	$70,418	$85,974	$80,734	36th	1,089th of 1,602
Residents 65 and older	14.6%	17.1%	17.9%	17.2%	35th	1,373rd of 1,693
Self-employed workers	8.2%	10.1%	9.7%	10%	35th	1,047th of 1,685
Unemployment rate	4%	4.6%	6.4%	5.2%	34th	944th of 1,685
Veterans	4.4%	6.2%	3.7%	6.2%	31st	1,034th of 1,693
Homeownership rate	58.3%	66.3%	54.3%	65.2%	29th	1,382nd of 1,673
Per capita income	$32,959	$34,752	$50,712	$44,673	27th	1,340th of 1,690
Work from home	8.4%	7.8%	14.9%	15.1%	25th	1,148th of 1,685
Broadband access	88.4%	88.3%	90.8%	91%	25th	1,122nd of 1,673
Population density	263/sq mi	93/sq mi	421/sq mi	95/sq mi	24th	786th of 1,693
Median earnings per worker	$40,272	$43,533	$55,321	$49,666	22nd	1,434th of 1,676
Uninsured rate	3.9%	4.5%	5.1%	8.4%	21st	714th of 1,689
Foreign-born residents	3.4%	2.8%	22.8%	14.1%	21st	987th of 1,693
Median gross rent	$981	$984	$1,621	$1,413	20th	913th of 1,367
Diversity index	24.6	20.1	65.5	61.4	17th	887th of 1,693
Median home value	$167,500	$162,100	$423,800	$332,700	14th	1,200th of 1,614
Residents under 18	16.6%	18.5%	20.5%	22%	13th	1,194th of 1,693
Median age	32.9	37	39.8	38.9	11th	1,569th of 1,693
Average commuteStrength	19 min	22.3 min	32.6 min	26.4 min	9th	1,443rd of 1,618

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

Under 5

12%

5–17

24%

18–24

12%

25–34

10%

35–44

11%

45–54

12%

55–64

65–74

75+

Median age

32.9

Under 18

16.6%

65 and over

14.6%

Race and ethnicity

White87%
Black2%
Hispanic5%
Asian2%
Native American0.0%
Pacific Islander0%
Other0.6%
Multiracial4%

Diversity index

24.6

U.S. 61.4

Foreign-born

3.4%

U.S. 14.1%

Born in state

83.7%

Language spoken at home (households)

English only

91%

Spanish

Other Indo-European

Asian / Pacific

Other

Households

Households: 11,397
Average household size: 2.2
Family households: 54.5%
Married couples: 40.2%
Living alone: 32.7%
Veterans (of adults): 4.4%
Male / female: 49% / 51%

Income and poverty

Household income distribution

<$25k

20%

$25–50k

16%

$50–75k

18%

$75–100k

15%

$100–150k

20%

$150–200k

$200k+

Median household income

13045

$69,961

Cortland Co.

$70,418

New York

$85,974

United States

$80,734

Per capita income

$32,959

U.S. $44,673

Poverty rate

15.5%

U.S. 12.5%

Households earning $150K+

11.9%

U.S. 23%

Income inequality (Gini)

0.423

U.S. 0.483

Housing

Median home value

13045

$167,500

Cortland Co.

$162,100

New York

$423,800

United States

$332,700

Median gross rent

13045

$981

Cortland Co.

$984

New York

$1,621

United States

$1,413

Types of housing

Single-family

57%

2–4 units

22%

5–19 units

12%

20+ units

Mobile home

Boat, RV, van

Housing units: 12,464
Owner-occupied: 58.3%
Vacant: 8.6%
Median year built: 1958
Median rooms: 5.9
Renters paying 30%+ of income: 50%
Renters paying 50%+ of income: 33.2%
Home value to income: 2.4× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

70%

Carpooled

11%

Transit

Walked

Bicycle

0.5%

Worked from home

Other

Commute time (one way)

<10 min

30%

10–19

34%

20–29

11%

30–44

16%

45–59

60+

Average commute

19 min

U.S. 26.4 min

Unemployment

U.S. 5.2%

In labor force

61.4%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Healthcare

10%

Food service

10%

Management

10%

Office and admin

10%

Education

Sales

Transportation and moving

Production

Cleaning and personal care

Construction and repair

Engineering and science

Legal and social services

Police and fire

Computer and math

Business and finance

Arts, media and sports

Farming, fishing and forestry

0.2%

Industries

Education

18%

Health care and social assistance

16%

Restaurants and hotels

13%

Manufacturing

10%

Retail

10%

Construction

Professional and technical services

Other services

Finance, insurance and real estate

Transportation, warehousing and utilities

Public administration

Arts and recreation

Admin, support and management

Wholesale

Agriculture and mining

Information

0.4%

Median earnings per worker

$40,272

U.S. $49,666

Self-employed

8.2%

U.S. 10%

Government workers

20.3%

U.S. 14.5%

Nonprofit workers

14.5%

U.S. 8.8%

Median earnings by type of work

Type of work	13045	U.S.
Management, business, science and arts	$59,811	$74,888
Service	$19,267	$26,804
Sales and office	$42,143	$40,476
Construction and maintenance	$55,549	$49,199
Production and transportation	$41,771	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

31%

Some college

18%

Associate's

11%

Bachelor's

15%

Graduate

16%

High school graduate or higher: 91.6%
Bachelor's degree or higher: 31.1%
Graduate or professional degree: 15.6%
Households with broadband: 88.4%
Cable, fiber or DSL: 71.5%
No internet access: 8.4%
Without health insurance: 3.9%
Limited-English households: 0.5%

Geography

City (USPS): Cortland
State: New York
County: Cortland County
Center point: 42.5845° N, 76.1907° W
Land area: 108 sq mi
Water area: 0.3 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

13045 spans 3 counties

Cortland County85% of land
Cayuga County9% of land
Tompkins County6% of land

Cities and towns within this zip

Cortland West (unincorporated)5% of zip
Cortland4% of zip
Munsons Corners (unincorporated)2% of zip
Blodgett Mills (unincorporated)2% of zip

Census places overlapping the zip's area. Mail may use a different city name than the municipality.

Zip codes near 13045

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
13738	Blodgett Mills, NY	3.9 mi	20	—	—
13102	Mc Lean, NY	5.7 mi	36	—	—
13101	Mc Graw, NY	6.6 mi	2,358	$63,587	$143,700
13056	East Homer, NY · PO box	7.7 mi	—	—	—
13087	Little York, NY	7.8 mi	116	$97,125	$205,800
13053	Dryden, NY	8.2 mi	4,794	$83,021	$244,000
13077	Homer, NY	10 mi	6,405	$72,266	$171,200
13073	Groton, NY	10 mi	6,054	$71,452	$167,600
13784	Harford, NY	10 mi	382	$76,446	—
13068	Freeville, NY	11 mi	4,592	$80,043	$204,200
13803	Marathon, NY	11 mi	4,273	$63,713	$140,800
13141	Preble, NY	12 mi	652	$80,208	$175,000

Zip codes like 13045 elsewhere

Matched on income, home values, age, density, education, housing and commuting

Questions about 13045

What city is zip code 13045?

13045 is assigned to Cortland, New York. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 13045 in?

13045 is mostly in Cortland County, but it extends into 2 other counties.

What is the population of 13045?

About 28,361 people live in 13045, according to the Census Bureau's American Community Survey.

What time zone is 13045 in?

13045 is in Eastern Time.

What is the median household income in 13045?

The median household income in 13045 is $69,961.

What zip codes are near 13045?

The closest zip codes to 13045 are 13738, 13102, 13101, 13056, 13087.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 13045, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.