Market Overview
Home Prices in Cross City, FL
The median home value in Cross City, FL is $160,909 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 8.4% compared to a year ago and down 3.6% from two years prior.
Compared to the U.S. national median of $410,000, homes in Cross City are priced61% below average.
Over the past five years, Cross City home values have risen by approximately31.0%, reflecting strong long-term appreciation in this market.
Price History
Cross City Home Price Trend
2020
$92,948
$93K
—
2021
$122,875
$123K
+32.2%
2022
$152,904
$153K
+24.4%
2023
$144,157
$144K
-5.7%
2024
$154,119
$154K
+6.9%
2025
$148,503
$149K
-3.6%
2026
$160,909
$161K
+8.4%
City Comparison
Cross City vs. National Median
🏠 Cross City
$160,909
National Median
$410,000
At $160,909, homes in Cross City cost 61% below the national median of $410,000. This makes Cross City a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Cross City?
20% Down Payment
$32,182
on $160,909
Monthly P&I
$839/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,066/mo
incl. taxes & insurance
Income Needed
$42,640
gross annual (30% rule)
10% Down Option
$16,091
+ PMI applies
Loan Amount (20% dn)
$128,727
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Cross City, FL?
The median home value in Cross City is $160,909 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 8.4% year-over-year.
How much have home prices changed in Cross City?
Over the past year, home values in Cross City have increased by 8.4%. Over five years, prices have risen approximately 31.0%.
How much do I need to earn to buy a home in Cross City?
To comfortably afford the median home price of $160,909 with a 20% down payment ($32,182) at today's rates (6.8%), you'd need a gross annual income of approximately $42,640. This assumes keeping total housing costs at or below 30% of gross income.
How does Cross City compare to the national average home price?
The national median home value is approximately $410,000. At $160,909, homes in Cross City are 61% below the national average.