Total monthly cost of ownership
Cost to Own a Home in Cross Plains, Tennessee
A $295,000 home here costs
$2,193per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,517. The real number is $676 higher every month — 45% 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 Plains against Robertson County and Tennessee
| Measure | Cross Plains | Robertson County |
|---|---|---|
| Median home value | $295,000 | $296,700 |
| Median property tax | $1,297 | $1,547 |
| Effective tax rate | 0.440% | 0.521% |
| Median gross rent | $1,073 | $1,176 |
| Population | 1,809 | 74,291 |
The weather behind that power bill
Cross Plains sits in Robertson County, which averages a high of 88.5°F in its hottest month and a low of 27.0°F in its coldest, with 53.29" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 1,545 cooling and 4,028 heating degree days, which is what sets the $130 electricity line above.
See the full climate breakdown for Robertson County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Robertson County
Full Robertson County cost breakdown · Every county in Tennessee
Common questions
How much does it cost to own a home in Cross Plains?
A $295,000 home in Cross Plains, Tennessee costs approximately $2,193 per month with 20% down at 6.66%. That is $1,517 principal and interest, $108 property tax, $124 homeowners insurance, $198 utilities and $246 set aside for maintenance.
What is the property tax rate in Cross Plains?
Cross Plains has an effective property tax rate of 0.440%, based on a median home value of $295,000 and median real estate taxes of $1,297. That is lower than the Robertson County average of 0.521%.
What is the average home price in Cross Plains?
The median owner-occupied home value in Cross Plains, Tennessee is $295,000, against $296,700 across Robertson County.
Is it cheaper to rent or buy in Cross Plains?
Median gross rent in Cross Plains is $1,073 a month, against $2,193 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 Plains — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Tennessee.
- 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.