cottager (n.)

late 14c., "a cot, a humble habitation," as of a farm-laborer, from Old French cote "hut, cottage" + Anglo-French suffix -age (according to OED the whole probably denotes "the entire property attached to a cote"). Old French cot is probably from Old Norse kot "hut," cognate of Old English cot, cote "cottage, hut," from Proto-Germanic *kutan (source also of Middle Dutch cot, Dutch kot).

Meaning "small country residence or detached suburban house" (without suggestion of poverty or tenancy) is from 1765. Modern French cottage is a 19c. reborrowing from English. Cottage industry, one that can be done at home, is attested from 1854. Cottage cheese, the U.S. name for a kind of soft, white cheese, is attested from 1831, earliest in reference to Philadelphia:

There was a plate of rye-bread, and a plate of wheat, and a basket of crackers; another plate with half a dozen paltry cakes that looked as if they had been bought under the old Court House; some morsels of dried beef on two little tea-cup plates: and a small glass dish of that preparation of curds, which in vulgar language is called smear-case, but whose nom de guerre is cottage-cheese, at least that was the appellation given it by our hostess. ["Miss Leslie," "Country Lodgings," Godey's Lady's Book, July 1831]

English agent noun ending, corresponding to Latin -or. In native words it represents Old English -ere (Old Northumbrian also -are) "man who has to do with," from Proto-Germanic *-ari (cognates: German -er, Swedish -are, Danish -ere), from Proto-Germanic *-arjoz. Some believe this root is identical with, and perhaps a borrowing of, Latin -arius (see -ary).

Generally used with native Germanic words. In words of Latin origin, verbs derived from past participle stems of Latin ones (including most verbs in -ate) usually take the Latin ending -or, as do Latin verbs that passed through French (such as governor); but there are many exceptions (eraser, laborer, promoter, deserter; sailor, bachelor), some of which were conformed from Latin to English in late Middle English.

The use of -or and -ee in legal language (such as lessor/lessee) to distinguish actors and recipients of action has given the -or ending a tinge of professionalism, and this makes it useful in doubling words that have a professional and a non-professional sense (such as advisor/adviser, conductor/conducter, incubator/incubater, elevator/elevater).