Total monthly cost of ownership
Cost to Own a Home in Crossville, Tennessee
A $230,000 home here costs
$1,736per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,182. The real number is $554 higher every month — 47% 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.
Crossville against Cumberland County and Tennessee
| Measure | Crossville | Cumberland County |
|---|---|---|
| Median home value | $230,300 | $228,000 |
| Median property tax | $806 | $699 |
| Effective tax rate | 0.350% | 0.307% |
| Median gross rent | $827 | $829 |
| Population | 12,265 | 62,529 |
The weather behind that power bill
Crossville sits in Cumberland County, which averages a high of 83.2°F in its hottest month and a low of 26.4°F in its coldest, with 57.53" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 890 cooling and 4,394 heating degree days, which is what sets the $130 electricity line above.
See the full climate breakdown for Cumberland County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Cumberland County
Full Cumberland County cost breakdown · Every county in Tennessee
Common questions
How much does it cost to own a home in Crossville?
A $230,000 home in Crossville, Tennessee costs approximately $1,736 per month with 20% down at 6.66%. That is $1,182 principal and interest, $67 property tax, $97 homeowners insurance, $198 utilities and $192 set aside for maintenance.
What is the property tax rate in Crossville?
Crossville has an effective property tax rate of 0.350%, based on a median home value of $230,300 and median real estate taxes of $806. That is higher than the Cumberland County average of 0.307%.
What is the average home price in Crossville?
The median owner-occupied home value in Crossville, Tennessee is $230,300, against $228,000 across Cumberland County.
Is it cheaper to rent or buy in Crossville?
Median gross rent in Crossville is $827 a month, against $1,736 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 Crossville — 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.