ZIP Code · NY

ZIP 13045

Part of Cortland, NY

Pop. 28,361·Cortland County·330th most expensive ZIP in New York

Median rent (all units)

$1,143/mo

Year-over-Year

+10.5%

Month-over-Month

+1.1%

vs US Median

-$789

Reported rents

Rising (Monthly)

Be the first to discuss 13045 rents ↓

Most AffordableMost Expensive

ZIP 13045 · $1,143

More affordable than 94% of US ZIP codes · National median $1,932/mo

Rent check

Is your rent fair?

Compare your rent to the local median.

Medians by bedroom

Rent by unit size

Studio

$849

1 BR

$963

2 BR

$1,098

3 BR

$1,320

4 BR+

$1,512

Research median

$1,098/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

Loading…

Last updated: October 17, 2026

From the history

What the numbers show

Past year vs. the rest of New York

Rent in ZIP 13045 changed +10.5% over the year to September 2026. Across the 251 New York ZIP codes Zillow tracks, the typical change was +5.6%.

Recent direction

Rent has risen 4 months in a row, and rose in 9 of the last 12 months.

What a typical income covers

30% of the median household income ($69,961) is $1,749 a month. That covers HUD's Fair Market Rent for up to a 2-bedroom ($1,540); a 3-bedroom is $1,850.

From Zillow's monthly rent index (ZORI) for ZIP 13045. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$13,716/yr

At $1,143/mo median

Location

CityCortland

StateNY

CountyCortland County

Rent Market Meter

Strong Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are up 10.5% year-over-year. Expect competition, and move quickly to lock in terms.

Based on rent-price momentum (+10.5% YoY, +1.1% MoM), not inventory.

Demographics

Who lives here

ZIP 13045 (Cortland, NY) is majority owner-occupied, skews toward younger working-age adults, 31.1% of residents hold a bachelor's degree or higher.

Population

28,361

Median income

$69,961

Median age

32.9

Renters

41.7%

Age distribution

16.6%

35.5%

21.1%

12.1%

14.6%

Under 1816.6%

18–3435.5%

35–5421.1%

55–6412.1%

65+14.6%

Gender

48.7%

51.3%

Male48.7%

Female51.3%

Race & ethnicity

87.6%

White87.6%

Black2.6%

Hispanic5%

Asian1.7%

Other3.1%

Education (25+)

30.7%

29.8%

31.1%

No HS diploma8.4%

HS diploma30.7%

Some college29.8%

Bachelor's+31.1%

Housing tenure

58.3%

41.7%

Owner58.3%

Renter41.7%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How ZIP 13045 in Cortland, NY has changed in 5 years

Income

$59,385 → $69,961

up 17.8%

Population

28,158 → 28,361

up 0.7%

Renter share

40.7% → 41.7%

+1.0 pts

Bachelor's+

30.8% → 31.1%

+0.3 pts

Median age

31.9 → 32.9

+1.0 yrs

Census figures show median household income at $69,961 today, compared with $59,385 five years earlier.

Community

Discussions about ZIP 13045

No discussions yet. Start the conversation.

Local insights

Tips for renters in ZIP 13045

About renting in ZIP 13045

Last updated: October 17, 2026

ZIP code 13045 covers Cortland, NY. The median rent here is $1,143/mo as of October 2026. A 1-bedroom rents for a median of $963/mo. A 2-bedroom rents for a median of $1,098/mo.

At 20% of local median household income ($69,961/yr), ZIP 13045 ranks as affordable compared to the national benchmark of 30%. Rents have increased 10.5% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 13045?

To keep rent at or below 30% of gross income, you would need to earn at least $46,000/year (about $22/hour full-time) to afford the median rent of $1,143/mo in ZIP 13045. The local median household income is $69,961/yr, so the typical household meets that bar.

Is rent going up or down in ZIP 13045?

Rent in ZIP 13045 has risen 10.5% over the past year.

How does ZIP 13045 compare to other ZIPs in New York?

ZIP 13045 is one of the more affordable among New York ZIP codes for rent, ranking #330 of 334 at $1,143/mo. Over the year to September 2026, rent in ZIP 13045 changed +10.5%, against a typical +5.6% across the 251 New York ZIP codes Zillow tracks.