Investor-grade market analytics for Cortland, New York. Data from Zillow ZHVI, FRED, Census ACS, and FEMA NRI. Data through August 2026.
$210,028
+6.5% year-over-year
7.0%
gross annual
+6.3%
base case (Zillow ZHVF)
+6.3% year-over-year
25/100
LowNet migration: Bottom 37% nationally
In-migrants avg $53,685 AGI vs out-migrants $51,246
Opportunity Zone Market
1 ZIP codes in Cortland are designated Qualified Opportunity Zones (IRC 1400Z-2), eligible for capital gains tax deferral on qualifying investments. Learn more →
Cortland, NY is experiencing strong growth with 6.5% year-over-year appreciation, indicating a seller's market with robust demand. Affordability remains favorable with a price-to-income ratio of 3.11x, below the national average of 4.8x. Climate risk remains low (25/100), favorable for long-term investment stability. Rental yield of 6.98% is strong, making this market attractive for buy-and-hold investors.
12-month projection (Zillow ZHVF model)
Cortland, NY's primary climate exposure is flooding (25/100). The composite climate risk score of 25/100 (Low) indicates overall risk reflecting favorable conditions for long-term real estate investment. This market benefits from relatively low natural hazard exposure compared to coastal and wildfire-prone regions.
Source: FEMA National Risk Index
Migration flows, ZIP-level neighborhood data, full demographics, price history, and the Market Screener.