Total monthly cost of ownership
Cost to Own a Home in Cross City, Florida
A $95,000 home here costs
$902per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $488. The real number is $414 higher every month — 85% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Cross City against Dixie County and Florida
| Measure | Cross City | Dixie County |
|---|---|---|
| Median home value | $95,300 | $96,900 |
| Median property tax | $879 | $715 |
| Effective tax rate | 0.922% | 0.738% |
| Median gross rent | $778 | $792 |
| Population | 2,260 | 16,952 |
The weather behind that power bill
Cross City sits in Dixie County, which averages a high of 90.1°F in its hottest month and a low of 41.8°F in its coldest, with 51.48" of precipitation a year and 44% of it in a single three-month stretch. That climate drives 2,695 cooling and 1,258 heating degree days, which is what sets the $136 electricity line above.
See the full climate breakdown for Dixie County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Dixie County
No other places of this size are published in Dixie County.
Common questions
How much does it cost to own a home in Cross City?
A $95,000 home in Cross City, Florida costs approximately $902 per month with 20% down at 6.66%. That is $488 principal and interest, $73 property tax, $57 homeowners insurance, $204 utilities and $79 set aside for maintenance.
What is the property tax rate in Cross City?
Cross City has an effective property tax rate of 0.922%, based on a median home value of $95,300 and median real estate taxes of $879. That is higher than the Dixie County average of 0.738%.
What is the average home price in Cross City?
The median owner-occupied home value in Cross City, Florida is $95,300, against $96,900 across Dixie County.
Is it cheaper to rent or buy in Cross City?
Median gross rent in Cross City is $778 a month, against $902 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Cross City — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Florida.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.