Market Overview
Home Prices in Cross Plains, TX
The median home value in Cross Plains, TX is $190,514 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 2.2% compared to a year ago and up 6% from two years prior.
Compared to the U.S. national median of $410,000, homes in Cross Plains are priced54% below average. Cross Plains is part of the Abilene, TX metro area.
Over the past five years, Cross Plains home values have fallen by approximately2.2%, reflecting softening conditions in this market.
Price History
Cross Plains Home Price Trend
City Comparison
Cross Plains vs. National Median
At $190,514, homes in Cross Plains cost 54% 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
$38,103
on $190,514
Monthly P&I
$994/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,262/mo
incl. taxes & insurance
Income Needed
$50,480
gross annual (30% rule)
10% Down Option
$19,051
+ PMI applies
Loan Amount (20% dn)
$152,411
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, TX?
The median home value in Cross Plains is $190,514 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 2.2% year-over-year.
How much have home prices changed in Cross Plains?
Over the past year, home values in Cross Plains have increased by 2.2%. Over five years, prices have fallen approximately 2.2%.
How much do I need to earn to buy a home in Cross Plains?
To comfortably afford the median home price of $190,514 with a 20% down payment ($38,103) at today's rates (6.8%), you'd need a gross annual income of approximately $50,480. 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 $190,514, homes in Cross Plains are 54% below the national average.
What metro area is Cross Plains part of?
Cross Plains is part of the Abilene, TX metropolitan area. Home prices and market conditions can vary across the broader metro region.