Back to Explorer

ZIP Code 13045

Cortland, New York

FIPS 13045

Juniper

ZIP Code 13045 is in the top 4% nationally for appreciation 1yr %. It also sits in the top 28% nationally for HPI growth 5yr %. And it sits in the top 34% nationally for price-to-income ratio.

Median Home Value

$167,500

Lower than 61% of U.S. ZIP codes

HPI Growth 5yr %

50%

Higher than 72% of U.S. ZIP codes

FEMA Risk Score

58.2

Lower than 59% of U.S. ZIP codes

The basics

Total Population

28,361

Median Age

32.9

Home values & property tax

Ranked against U.S. ZIP codes.

Median Home Value

$167,500

Lower than 61%

Median Property Tax

$4,425

Effective Tax Rate

3%

Cost of living & affordability

Ranked against U.S. ZIP codes.

Price-to-Income Ratio

2.39

Lower than 66%

Median Rent

$981

Higher than 58%

Home prices & appreciation

Ranked against U.S. ZIP codes.

HPI Growth 5yr %

50%

Higher than 72%

Appreciation 1yr %

12%

Higher than 96%

Pandemic Gain %

52%

Recession Drop %

-5.3%

Climate & weather

Ranked against U.S. ZIP codes.

Summer Avg High (°F)

77.1

Winter Avg Low (°F)

15

Avg Temperature (°F)

45.2

Hot Days/yr (>90°F)

2.6

Freezing Days/yr (<32°F)

156.1

Annual Precipitation (in)

42

Annual Snowfall (in)

64.4

Flood & disaster risk

Ranked against U.S. ZIP codes.

FEMA Risk Score

58.2

Lower than 59%

EAL Flood/Coastal per $1K

0

The full report

Six pillars — each with percentile benchmarks, 16-year trends, and per-metric detail.

  • People

  • Work & Money

  • Housing

  • Amenities

  • Environment & Risk

ZIP Code 13045: frequently asked questions

What is the median home value in ZIP Code 13045?
The median home value in ZIP Code 13045 is $167,500, lower than 61% of U.S. ZIP codes.
How much is property tax in ZIP Code 13045?
The median annual property tax in ZIP Code 13045 is $4,425, an effective rate of 3% of home value.
Is ZIP Code 13045 expensive to live in?
Homes in ZIP Code 13045 cost about 2.39× the median household income, lower than 66% of U.S. ZIP codes.
What is the average rent in ZIP Code 13045?
The median gross rent in ZIP Code 13045 is $981 a month, higher than 58% of U.S. ZIP codes.
How much have home prices grown in ZIP Code 13045?
Home prices in ZIP Code 13045 have moved 50% over the past five years (12% in the past year), per the FHFA House Price Index.
What is the weather like in ZIP Code 13045?
ZIP Code 13045 averages 45.2°F year-round, summer highs near 77.1°F, winter lows around 15°F (NOAA 1991–2020 normals). It sees about 64.4 inches of snow a year.
Is ZIP Code 13045 at risk of flooding or natural disasters?
ZIP Code 13045's FEMA National Risk Index score is 58.2 (lower than 59% of U.S. ZIP codes). Its greatest modeled natural hazard is tornado. Modeled coastal-flood loss is negligible.

Sources: U.S. Census ACS, FEMA National Risk Index, FHFA House Price Index, OpenStreetMap, EPA. Explore the map →