HomeNew YorkCortland CountyCortland
Cortland, New York: commercial real estate data.
Cortland 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 since FY2020.
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
Counted by borrower city: approvals to borrowers whose address is in Cortland, in any county, FY2020 to FY2026. Only 6 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
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$281,000
- Largest approval$437,000
- Jobs supported28
- Loans with a final outcome3
- Charged off1
- Median term240 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Cortland, in any county, FY2010 to FY2026. Only 3 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Cortland
Flood risk in Cortland
- NFIP communityCity of Cortland
- NFIP community number360178
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date03/02/10
The City of Cortland participates in the National Flood Insurance Program as community 360178 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Cortland County, not Cortland
Cortland County context, not Cortland figures
- Establishments in Cortland County981
- Covered employment, Cortland County16,911
- Average annual pay, Cortland County$55,778
- Housing units permitted, Cortland County41
Every figure in this section is published for Cortland County as a whole and is not a measurement of Cortland.
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.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
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 totaling $11.2 m since FY2020, across 9 lenders, median approval $121,700, plus 6 504 approvals worth $1.6 m since FY2010. 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 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Cortland in the National Flood Insurance Program?
Yes. Cortland appears in the FEMA Community Status Book as Cortland, city of, 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 labeled 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?
No. Nothing on this page presents parcel level zoning.
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