Cross Plains, TN—37049
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Cross Plains, TN
As of Oct '25, the median home price in Cross Plains, TN is $417,000, with a year-over-year change of -0.1%. This indicates that home prices in Cross Plains, TN are flat. According to Zillow, the 1-year price projection is 1.6%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $417,000 | -0.1% |
| Single Family | $417,000 | 0.0% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | N/A | N/A |
3 Bed | $412,000 | -0.2% |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Cross Plains, TN
As of July '25, Rentcast reports the average rent in Cross Plains, TN is $2,070, with a year-over-year rent change of 1.0%. Per bedroom, the median rent as of July '25 in Cross Plains, TN is 3-bedrooms: $1,970, 4-bedrooms: $2,250. The most common rental property sizes in Cross Plains, TN are 3-bedroom and 2-bedroom, accounting for 56.6% and 25.0% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,100 | $2,070 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | $1,850 | $1,970 |
| 4 Bed Rent | $2,250 | $2,250 |
% of Rental Stock
Property Listings — Cross Plains, TN
As of Oct '25, Realtor.com reports that the median days on market for a home in Cross Plains, TN is 58. This is a decrease of -8.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 40.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $548,000 | 5.0% |
Listing Count | 20 | 22.0% |
| Listings as % of Homes | 1.2% | 22.0% |
Days on Market | 58 | -8.0% |
Demographics — Cross Plains, TN
As of the latest ACS Survey released in 2023, Cross Plains, TN has a population of 4,020, which has increased by 9.2% over the past 5 years. Cross Plains, TN is a moderately popular place for families, as children make up 22.6% of the population. The area has a poorly educated workforce, with 21.1% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 7.7% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 4,020 | 9.2% |
% Under 18 | 22.6% | -12.4% |
% Seniors | 12.2% | -21.8% |
% WFH | 7.7% | 30.5% |
% w/ College Degree | 21.1% | 34.4% |
As of the latest ACS Survey released in 2023, Cross Plains, TN is a predominantly white area, with 89.2% of the population identifying as white. The white population has shrunk by 4.3% in the last 5 years. The second most common race or ethnicity in Cross Plains, TN is hispanic, making up 2.9% of the population. Foreign-born residents account for 1.6% of the population in Cross Plains, TN, and this percentage has increased by 220.0% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 89.2% | -4.3% |
% Black | 2.1% | -12.5% |
% Hispanic | 2.9% | 20.8% |
% Asian | 0.9% | 800.0% |
% Foreign Born | 1.6% | 220.0% |
Mortgage and Risk — Cross Plains, TN
According to HUD data as of 2023, there were 130 mortgage originations in Cross Plains, TN, of which 77.0% of loans were conventional mortgages. The average loan-to-value was 57.0%, with 18.0% above 90% LTV (elevated). This implies medium mortgage risk in Cross Plains, TN. Investor activity is low, as 2.0% of loans were by investors. 15.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 130 |
% Conventional Loans | 77.0% |
% Government Loans | 23.0% |
% Investor Loans | 2.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 15.0% |
Loan Activity
Rentals and Section 8 — Cross Plains, TN
Cross Plains, TN lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 3 |
Total Units Section 8 | 3 |
% Rentals under Section 8 | 1.3% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,300 |
| 2 Bedroom | N/A | N/A | $1,460 |
| 3 Bedroom | -$10 | $1,850 | $1,840 |
| 4 Bedroom | -$10 | $2,250 | $2,240 |
Affordability — Cross Plains, TN
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4.6 |
| Median Home Price | $417,000 |
| Median Household Income | $84,700 |