Cortland County, NY real estate

What the numbers say

Cortland County, NY real estate at a glance

By AstroCore · Realtor.com, US Census and Freddie Mac data

In September 2026, the median home in Cortland County listed for $236,000, up 24.2% from a year earlier. That is 61% below the New York median of $605,000.

Homes spent a median of 56 days on the market, slower than 50 days a year ago. That makes Cortland County the #25 fastest-selling of 48 New York counties we track.

Homeowners in Cortland County pay a median of $4,149 a year in property taxes on a median home value of $162,100, an effective rate of about 2.56%. The New York average is 1.55%, which makes Cortland County the #58 lowest-tax of 62 counties in the state with published tax data.

Renters pay a median of $984 a month, and $1,022 for a two-bedroom. At today's prices a typical home costs about 20 times a year's rent.

With 20% down and today's 7.24% average 30-year rate, the monthly payment on a $236,000 home here comes to about $1,888 including property tax and insurance. Lenders typically want that to be under 28% of income, which works out to roughly $81,000 a year (the median household here earns $70,418).