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Cross City Real Estate Market Facts

  • $69,200Median home price
    59% lower than Florida
  • $648Median rent asked
    37% lower than Florida
  • 58.9%Home owners
    9% lower than Florida
  • 2.7People per home
    2% higher than Florida
The above shows an overview of the real estate market in Cross City, FL. Note how the median home price for Cross City, FL runs $69,200, which is 59% lower than the average property price for Florida. So you’re going to get real estate in Cross City, FL that is on-average more affordable than what you’ll find in the rest of Florida. As for rent, the median for Cross City, FL runs $648, which is comparatively 37% lower than the average rent for Florida. For Cross City, FL, about 58.9% of the population consist of home owners with about 2.7 people living in each property on average. Whether you’re looking for condos or townhomes that are low-maintenance and affordable or sprawling mansions, Cross City, FL offers a wide variety of real estate. To find your perfect home in Cross City, FL, filter your choice by price, location, and number of beds and baths using the search area above.

Cross City Home Affordability

  • $69,200Median home price
    59% lower than Florida
  • $30,513Median home income
    38% lower than Florida
  • 2.3xHome price to income ratio
    34% lower than Florida
When deciding where to purchase Cross City, FL real estate, home affordability is one of the top deciding factors. One way that you can calculate the affordability of your next home is to use this formula: median home price to median household income ratio. In Cross City, FL the median home price is $69,200 and $30,513 is the median household income. As a result, the home price to income ratio in Cross City, FL is 2.3x, which is 34% lower than the Florida average. In order to determine the home affordability ratio, you would divide the median home price by the median home income. If you find that in Cross City, FL the home price to income ratio is lower than average, that means that in general, housing is more affordable. While there more than just one factor in deciding home affordability, you can use the home affordability calculator below as an additional tool when deciding how much you can and should pay for real estate in Cross City, FL.

Cross City Affordability Calculator

Include PMI
You can afford a home up to:
Debt-to-income ratio
Monthly income breakdown
  • Monthly income
  • Monthly payment
  • Debt payment
  • Income taxes
  • Remainder
When looking for real estate in Cross City, FL, finding one that won't strain your budget is imperative. That's when the home affordability calculator comes in handy. It allows you to calculate the cost of a property in Cross City, FL, not only by considering your income, but debts and down payment amounts as well. You can personalize the home affordability calculator even further by adding in additional factors like length of mortgage term, property taxes, home insurance costs, mortgage rate, and HOA dues. The calculator will come up with an estimated cost of home ownership and display an amount that would fit within your budget. Knowing this figure will help you find a home that you can afford in Cross City, FL and keep you from looking at places that are out of financial reach. Therefore, you can avoid disappointment and emotional attachment to homes you would not be able to afford. Additionally, this tool allows you to balance your budget because it also calculates the amount of money left over for savings and other expenses.

Cross City Mortgage Calculator

Your monthly payment will be:
Monthly payment breakdown
  • Monthly payment
  • Mortgage
  • PMI fees
  • Property tax
  • Home insurance
  • HOA dues
If I buy a real estate in Cross City, FL, what can I expect to pay monthly? There are a number of different factors that will go in to determining your monthly cost. While most people understand how significant the overall price of the house goes into determining the payment amount, it's also important to know that there are a variety of other variables to consider. These include things such as property taxes, private mortgage insurance (PMI), home owner's association dues, interest rate, and how much of a down payment has been made on the house. Understanding these is a great way to reduce overall payment. For example, you can reduce the private mortgage insurance by making a down payment of 20%. The mortgage calculator above will have all of these variables already filled out with default data, but you can customize it to give you a much more accurate reading. Generally speaking, you want to keep your debt to income ratio at about 36% when calculating your monthly house payment, which means paying no more than 36% of your monthly salary towards your housing and other debts.

Cross City Demographics

  • 2,148Population
  • 1,144People / sq mile
  • 31.6Median age
  • 0.9:1Male/Female ratio

Nearby cities with low home prices

City, StatePopulationHome PriceNational Avg.
Andrews, FL638$77,20058%
Manatee Road, FL2,937$80,60056%
Fanning Springs, FL1,094$96,70048%
Horseshoe Beach, FL118$142,60023%
Cross City, FL2,148$69,20063%

Cities with similar population

City, StatePopulationHome PriceNational Avg.
Rouses Point, NY2,148$142,70023%
Edgemont Park, MI2,148$103,10044%
Cherryvale, SC2,148$85,40054%
Lakeview, CA2,149$235,40027%
Anahuac, TX2,147$94,70049%
Cross City, FL2,148$69,20063%
Source: The Cross City, FL housing data displayed above is derived from the 2016 United States Census Bureau American Community Survey (ACS).
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