Cortland County
For Americans thinking of retiring to Cortland County, New York, from another state or instead of a move abroad. Cortland County has 45,850 residents, 9,485 of them aged 65 or older (20.7 %) (US Census Bureau, county population estimates by age, 1 July 2025). Largest places: Cortland, Homer, McGraw (Census, 1 July 2024).
Where Cortland County stands, on the six criteria
Cortland County's own figures, each against every US county that has the same figure. Cost of living is its area's: the Bureau of Economic Analysis publishes no price level for a single county.
| Criterion | Cortland County |
|---|---|
| Cost of living BEA price level, all items (US = 100); lower is better |
91.6 Cheaper than 34% of the other 3,142 US counties
Every county in the area shares this figure. BEA Regional Price Parities 2024, all items, New York nonmetropolitan portion · figure for 2024 · checked 2026-10-28
|
| Taxes on a retired couple state and local tax on the example retired couple, USD a year; lower is better |
USD $8,958 (90% margin USD $8,599–$9,317) Lower than 0% of the other 3,110 US counties
The state's published 2025 income-tax rules, the county's own local income tax where one is levied, and the county's Census ACS property-tax ratio, applied to the example household · figure for 2025
|
| Healthcare access share of residents 65+ living in a county with a 4- or 5-star CMS hospital; higher is better |
No hospital in the county rated 4 or 5 stars by CMS A fact for this county, not a ranking: a county without such a hospital may sit near one next door.
CMS, Hospital General Information (Care Compare), hospital overall star rating, release of 13 Aug 2026 · figure for 2026 · checked 2026-10-27
|
| Safety homicides per 100,000 a year, 2020–2024, by state of residence; lower is better |
no data Cortland County had fewer than 20 homicides in 2020–2024: CDC WONDER publishes no reliable rate below that. |
| Climate months a year whose mean daily high is 18–29 °C (64–84 °F), 1981–2010; more is better |
5.0 months a year More than 39% of the other 3,143 US counties
CHELSA V2.1 monthly maximum temperature, 1981-2010 (~1 km), averaged over the county, Karger et al. · figure for 2010 · checked 2026-10-27
|
| Natural-hazard risk expected yearly loss to buildings from natural hazards, per USD $1,000 of buildings; lower is better |
USD $1.42 per USD $1,000 of buildings Lower than 43% of the other 3,143 US counties
FEMA, National Risk Index v1.20 (December 2025), county expected annual loss to buildings (EAL_VALB) · figure for 2025 · checked 2026-10-28
|
Taxes on a retired couple in Cortland County, New York
The published example couple's state and local tax in Cortland County for tax year 2025, in its three parts. Only the income tax is the same across New York; the property tax uses Cortland County's own Census figures.
| State income tax New York's 2025 rules — the same in every New York county |
USD $0 |
|---|---|
| Local income tax none in this calculation: a county income tax is held only for Maryland and Indiana |
USD $0 |
| Property tax on a USD $350,000 home Cortland County's own median taxes paid ÷ median home value |
USD $8,958 |
| State and local tax, a year | USD $8,958 |
Sources: New York State Department of Taxation and Finance, 2025 Instructions for Form IT-201, tax rate schedule; US Census Bureau, American Community Survey 2020-2024 5-year estimates, table B25103, county.
How New York taxes each kind of retirement income, line by line
What Medicare costs in Cortland County, New York
For the published example couple, both 67 and married: what Medicare premiums cost a year for two in Cortland County, New York, and the most a bad year can cost. What care itself costs depends on a person's health, so it is not estimated here.
Medicare Advantage, with drug coverage
USD $6,358 a year for two in premiums (from USD $4,870)
At most USD $26,058 in a bad year (from USD $24,570), with each person's in-network out-of-pocket maximum
The middle of the 16 plans offered here; "from" is the lowest premium among them.
Original Medicare, with a drug plan
USD $8,933 a year for two in premiums (from USD $5,765)
Medigap: no federal price list — not in this total.
No yearly maximum on Original Medicare alone.
Part B for two, plus the middle of the 9 standalone drug plans offered in the state.
The 2027 Part B premium is not yet published (CMS usually publishes it in November); 2026's is used.
Source: CMS, Medicare Advantage and Part D Landscape, plan year 2027; CMS, 2026 Medicare Parts A & B Premiums and Deductibles (fact sheet, 14 Nov 2025).
Retiring to Cortland County, New York: pros and cons, by the figures
Retiring to Cortland County, judged on the figures above: a pro is a figure in the top fifth of US counties, a con one in the bottom fifth. Figures in between get no verdict.
Pros
None of Cortland County's figures is in the top fifth of US counties.
Cons
- Taxes on a retired couple: higher than 100% of the other 3,110 US counties (USD $8,958). The state's published 2025 income-tax rules, the county's own local income tax where one is levied, and the county's Census ACS property-tax ratio, applied to the example household
The largest places in Cortland County
By population in the county; a place split across counties counts only the part in Cortland County. We do not cover these places in depth yet.
- Cortland: 17,459 residents
- Homer: 3,076 residents
- McGraw: 977 residents
US Census Bureau, Vintage 2024 sub-county population estimates (SUB-EST2024), 1 July 2024.
Would your money go further in Cortland County?
We rank every place we hold against your budget and the life you want — starting from the sourced figures on this page and adding clearly labeled estimates for the costs no official source prices.
Free Create an account to save your comparisons and pick them up later. No credit card, no email needed, and you keep the whole site.
Create a free account No credit card. No email needed.
One personalized report, up to six places — saved in your account and yours to download as a PDF.
Unlimited reports, up to six places each, and it carries into the resident plan when you move.
On sale when billing opens — the prices are set.
Reports open when the site launches.
The report starts from the same sourced figures you see here, then adds clearly labeled estimates for the costs no official source prices for each town.