Market Overview
Home Prices in Cross Plains, IN
The median home value in Cross Plains, IN is $284,971 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 6.5% compared to a year ago and up 4.5% from two years prior.
Compared to the U.S. national median of $410,000, homes in Cross Plains are priced30% below average.
Over the past five years, Cross Plains home values have risen by approximately36.4%, reflecting strong long-term appreciation in this market.
Price History
Cross Plains Home Price Trend
2020
$172,288
$172K
—
2021
$208,888
$209K
+21.2%
2022
$244,022
$244K
+16.8%
2023
$242,512
$243K
-0.6%
2024
$256,163
$256K
+5.6%
2025
$267,675
$268K
+4.5%
2026
$284,971
$285K
+6.5%
City Comparison
Cross Plains vs. National Median
🏠 Cross Plains
$284,971
National Median
$410,000
At $284,971, homes in Cross Plains cost 30% below the national median of $410,000. This makes Cross Plains a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Cross Plains?
20% Down Payment
$56,994
on $284,971
Monthly P&I
$1,486/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,887/mo
incl. taxes & insurance
Income Needed
$75,480
gross annual (30% rule)
10% Down Option
$28,497
+ PMI applies
Loan Amount (20% dn)
$227,977
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 Plains, IN?
The median home value in Cross Plains is $284,971 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 6.5% year-over-year.
How much have home prices changed in Cross Plains?
Over the past year, home values in Cross Plains have increased by 6.5%. Over five years, prices have risen approximately 36.4%.
How much do I need to earn to buy a home in Cross Plains?
To comfortably afford the median home price of $284,971 with a 20% down payment ($56,994) at today's rates (6.8%), you'd need a gross annual income of approximately $75,480. This assumes keeping total housing costs at or below 30% of gross income.
How does Cross Plains compare to the national average home price?
The national median home value is approximately $410,000. At $284,971, homes in Cross Plains are 30% below the national average.