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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Cross Plains, TN Housing Affordability Index

Cross Plains, Tennessee has an MBR Housing Affordability Index score of 116.5 (More Affordable Than Average) as of October 30, 2026, ranking 278th most affordable of 380 scored Tennessee cities, compared with 103.7 statewide and 97.4 nationally. On a median-priced $320,400 home with 20% down, the Tennessee average 30-year fixed rate of 7.18% means a monthly principal and interest payment of about $1,737, or 27% of the city’s $76,319 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Cross Plains is updated every night from live Tennessee mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Cross Plains MBR-HAI 116.5 More Affordable Than Average
Rank in Tennessee 278 of 380 1 = most affordable
Tennessee 103.7 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.18% Tennessee lenders
Median home value $320,400 U.S. Census Bureau

Cross Plains is 12.8 points above the Tennessee score. Scores as of October 30, 2026. See the Tennessee index

View Cross Plains Mortgage Rates

What It Takes to Buy in Cross Plains

$1,737/mo
Principal & Interest
Median home, 20% down, 7.18%
$74,400
Income Needed
To keep the payment at 28% of income
$76,319
Median Household Income
Tennessee: $69,595
4.2x
Price-to-Income Ratio
Tennessee: 4.1x
$1,089/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,231/yr
Median Property Tax
0.38% of median value
21.3%
Owner Cost Burden
Owners spending 30%+ of income on housing
36.1%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Cross Plains, Tennessee. The rate is the Tennessee average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Cross Plains Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Cross Plains, Tennessee score: 116.5 (More Affordable Than Average), ranked 278 of 380 Tennessee cities. monitorbankrates.com/housing-affordability-index/tennessee/cross-plains”