HomeNew YorkCortland CountyCortland city
Cortland city, New York: commercial real estate data.
Cortland city is a Census city of 17,450 people across 3.89 square miles of land, in Cortland County. Median household income is $59,482, 45.9 percent of occupied homes are owned, and the SBA record carries 21 7(a) approvals to borrowers here worth $11.2 m.
80 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Cortland
What Cortland is
- Census place typecity
- Land area3.89 sq mi
- Water area0.02 sq mi
- Population per square mile of land4,481
- County holding the largest share of its areaCortland County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cortland
How many people live in Cortland
- Population17,450
- Median age27.4
- Population under 182,589
- Share under 1814.8 percent
- Population 65 and over2,194
- Share 65 and over12.6 percent
- Households7,019
- Family households3,192
- Share of households that are families45.5 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cortland
Income and work in Cortland
- Median household income$59,482
- Per capita income$28,083
- Civilian labor force9,072
- Employed8,692
- Unemployed380 plus or minus 120
- Unemployment rate4.2 percent plus or minus 1.3
- Adults 25 and over9,565
- Adults 25 and over with a high school diploma or higher90.7 percent
- Adults 25 and over with a bachelor degree or higher27.2 percent
- Adults 25 and over with a graduate degree13.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cortland
Housing in Cortland
- Housing units7,718
- Occupied units7,019
- Vacant units699 plus or minus 274
- Vacancy rate9.1 percent plus or minus 3.5
- Owner occupied3,221
- Renter occupied3,798
- Ownership rate45.9 percent
- Median owner-occupied home value$152,600
- Median gross rent, monthly$975
- Annual rent as a share of median income19.7 percent
- Single family units3,546
- Share single family45.9 percent
- Units in buildings of two or more4,113
- Share in buildings of two or more53.3 percent
- Mobile homes59 plus or minus 67
- Median year structure built1947
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cortland
How Cortland gets to work
- Workers 16 and over who commute7,815
- Commuting under 15 minutes4,664
- Share commuting under 15 minutes59.7 percent
- Commuting 30 minutes or more1,823 plus or minus 364
- Share commuting 30 minutes or more23.3 percent
- Drove alone65.6 percent
- Carpooled14.1 percent plus or minus 4.4
- Public transport1.4 percent plus or minus 1.5
- Walked10.3 percent plus or minus 2.2
- Worked from home6.9 percent plus or minus 1.9
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cortland
SBA loans in Cortland (7(a))
- Approvals21
- Gross approval$11,161,300
- Average approval$531,490
- Median approval$121,700
- Ninetieth percentile approval$1,200,000
- Largest approval$5,000,000
- Jobs supported237
- Jobs per approval11.3
- Loans with a final outcome6
- Paid in full6
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more19.0 percent
- Share to franchises9.5 percent
- Distinct lenders9
- Distinct industries by NAICS15
A charge-off rate is not published here. only 6 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Cortland
SBA loans in Cortland (504)
- Approvals6
- Gross approval$1,577,000
- Average approval$262,833
- Median approval$287,000
- Largest approval$437,000
- Jobs supported28
- Loans with a final outcome3
- Charged off1
- Median term240 months
- Distinct CDCs1
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Cortland
Flood risk in Cortland
- Listed NFIP communities1
- Of those, participating1
- NFIP community number360178
- Currently effective map date03/02/10
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Cortland County, not Cortland
Cortland County context, not Cortland figures
These are Cortland County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Cortland measurements.
- Establishments in Cortland County981
- Employment at those establishments, Cortland County14,353
- Covered employment, Cortland County16,911
- Average annual pay, Cortland County$55,778
- Average weekly wage, Cortland County$1,073
- Housing units permitted, Cortland County41
- Of those, single family, Cortland County24
- County product, 2024, Cortland County$2,372,114,000
- County product change over the prior year, Cortland County3.8 percent
- Average income of an arriving household, Cortland County$53,484
Every figure in this section is published for Cortland County as a whole and is not a measurement of Cortland. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Cortland questions, answered from the record.
How many people live in Cortland, New York?
17,450, in 7,019 households. Cortland city covers 3.89 square miles of land, which is 4,481 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Cortland in?
Cortland County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Cortland?
$59,482. The median owner-occupied home is valued at $152,600. Median gross rent is $975 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Cortland businesses?
21 7(a) approvals totalling $11.2 m, across 9 lenders, median approval $121,700, plus 6 504 approvals worth $1.6 m. These count approvals to borrowers whose address is in Cortland, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Cortland borrowers get paid back?
No rate is published for Cortland. only 6 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Is Cortland in the National Flood Insurance Program?
Yes. Cortland appears in the FEMA Community Status Book as community 360178, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Cortland figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Cortland County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Cortland.
Is zoning published for Cortland?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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