FHA loan limits and USDA eligibility for ZIP 13045 — Cortland, NY

FHA county loan caps, USDA property eligibility, and USDA household income limits for this ZIP. USDA looks unlikely here, so FHA is listed first.

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2026 FHA loan limits

Cayuga County

1-unit

$541,287

2-unit

$693,050

3-unit

$837,700

4-unit

$1,041,125

Cortland County

1-unit

$541,287

2-unit

$693,050

3-unit

$837,700

4-unit

$1,041,125

Tompkins County

1-unit

$541,287

2-unit

$693,050

3-unit

$837,700

4-unit

$1,041,125

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USDA property eligibility

Likely not eligible

Based on the ZIP’s geographic center vs USDA ineligible-area boundaries. The official test is the property address.

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USDA income limits

Cortland County

1–4 person household income limit

$122,800

5–8 person household income limit

$162,100

  • Cortland County (Primary): $122,800 / $162,100
  • Cayuga County: $122,800 / $162,100
  • Tompkins County: $138,350 / $182,650

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FAQ for ZIP 13045

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