Mc Graw, New York.
Typical home $177,643 (+5.3% in a year). Cortland, NY metro.
to buy the typical home at today's mortgage rate — +$527 (+130%) since Jan 2020.
- 1 year
- Up $8,976 +5%
- $168,666$177,643 since Sep 2025
- 5 years
- Up $44,630 +34%
- $133,013$177,643 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Mc Graw$932
- New York$2,755
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 12 years.
Typical home values in Mc Graw, NY rose 5.3% over the past year — faster than the nation's +1.2%.
Living in Mc Graw, Cortland County, New York
Mc Graw is a village of 972 people in Cortland County. Half its households earn more than $64,185 a year and half less, against $70,418 across Cortland County; 7% of its people live below the poverty line. 71% of its homes are lived in by their owners and 29% are rented. Unemployment in Cortland County was 4.5% in August 2026, and the county had 3.3% more jobs in 2025 than the year before. The most residents work in schools and health care, then manufacturing.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. McGraw is a village in Cortland County, small enough that most people know one another by sight. Most homes are lived in by their owners, and incomes run somewhat below the county's, with typical home values on the modest side. Winters are cold and very snowy, summers are mild to warm, and the year brings plenty of rain and melted snow.
Work. Residents work mostly in schools, hospitals and social care, with manufacturing, shops, and transport, warehouses and utilities also employing many. Across Cortland County, some of the largest workplaces are State University of New York at Cortland, Guthrie Cortland Medical Center and Cortland City School District. Commutes are fairly short, few people work from home, and relatively few adults hold a four-year degree.
Things to do. Greek Peak, a ski area, and Webster Brook, a river, are both a short drive away, which suits the snowy winters. Otisco Lake and Skaneateles Lake are lakes a longer drive away, good for time on the water in the warmer months.
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- 381households
- 16%of adults have a degree
- 7%below the poverty line
- 19 mintypical commute
- 4%work from home
What residents work in
Employed residents by industry, from the Census survey. Cortland County had 17,469 jobs in 2025, 3.3% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 29° and lows near 11°; warmest in July, with highs near 77° and lows near 57°. About 117 inches of snow and 49 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Tully Heiberg Forest weather station, 12 miles away (NOAA).
Largest workplaces in Cortland County
- State University of New York at CortlandUniversity or college1,262
- JM Murray CenterHabilitation job counseling and training, vocational537
- Guthrie Cortland Medical CenterGeneral hospital482FTE
- Cortland City School DistrictSchool district394FTE
- Homer Central School DistrictSchool district376FTE
- Pall CortlandAngle irons, metal, manufacturing373
- WalmartWarehouse clubs and supercenters361
- Auxiliary Services Corporation of Suny CortlandCafeteria food services contractors329
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 37 workplaces with 20 or more staff, 4,412 people in all across the county; Mc Graw has two of its own. Colleges come from IPEDS (NCES, 2023–24), hospitals from their Medicare cost reports (CMS, 2023) and school districts from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Inland floodingRelatively moderate
- Winter weatherRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Mc Graw’s census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Cortland County and the Cortland, NY metro.
Mc Graw home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Mc Graw$177,643
- New York$524,942
- United States$366,157
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Zip codes with a Mc Graw address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Mc Graw — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.