Total monthly cost of ownership
Cost to Own a Home in Cross Mountain, Texas
A $486,000 home here costs
$4,335per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $186,000 a year.
A standard mortgage calculator would have told you $2,650. The real number is $1,685 higher every month, 64% more than the payment most buyers budget for.
Compare Bexar County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Cross Mountain from a five-year rolling sample, and with about 4,510 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Bexar County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Cross Mountain against Bexar County and Texas
| Measure | Cross Mountain | Bexar County |
|---|---|---|
| Median home value | $486,100 | $244,100 |
| Median property tax | $8,598 | $4,429 |
| Effective tax rate | 1.769% | 1.814% |
| Median gross rent | — | $1,290 |
| Population | 4,510 | 2,037,344 |
The weather behind that power bill
Cross Mountain sits in Bexar County, which averages a high of 97.5°F in its hottest month and a low of 40.3°F in its coldest, with 31.27" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 3,144 cooling and 1,446 heating degree days, which is what sets the $174 electricity line above.
See the full climate breakdown for Bexar County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Bexar County
Talk to someone who works this market
These are Cross Mountain averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Cross Mountain every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Cross Mountain I already own here and may sell
Common questions
How much does it cost to own a home in Cross Mountain?
A $486,000 home in Cross Mountain, Texas costs approximately $4,335 per month with 20% down at 7.24%. That is $2,650 principal and interest, $716 property tax, $322 homeowners insurance, $242 utilities and $405 set aside for maintenance.
What is the property tax rate in Cross Mountain?
Cross Mountain has an effective property tax rate of 1.769%, based on a median home value of $486,100 and median real estate taxes of $8,598. That is lower than the Bexar County average of 1.814%.
What is the average home price in Cross Mountain?
The median owner-occupied home value in Cross Mountain, Texas is $486,100, against $244,100 across Bexar County.
Is it cheaper to rent or buy in Cross Mountain?
Rent data is not published for Cross Mountain at this level of detail.
What salary do you need to buy a home in Cross Mountain?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Cross Mountain, Texas at today's rate takes a household income of roughly $186,000 a year. That covers the full $4,335 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Cross Mountain, US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance, NAIC average premium for Texas.
- 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.