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Cross Plains city, TN

ZIP 37049 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 37049

Median Home Value
$357,900
Median Rent
$732
Affordability Snapshot
$99,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,299/mo PITI).

10%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

4.2x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

40.7 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 37049 in Cross Plains city, TN, a household would need roughly $99,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,299. That is about 17% above the local median household income ($84,677), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
84.0%+28% vs US avg
x
Vacancy Rate
4.6%-55% vs US avg
x
Broadband Access
81.4%-6% vs US avg
x
4+ Bedrooms
3.9%-74% vs US avg
x
Built Pre-1939
1.3%-90% vs US avg
x
Built Post-2014
5.3%-22% vs US avg
x
Rent Burden >30%
21.5%-57% vs US avg
x
Mortgage-Free
34.6%-9% vs US avg
x
$357,900
Home Value
$732
Rent
1996
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached81.2%
  • 1-unit attached0.2%
  • 2-9 units2.4%
  • 10+ units0.0%
  • Mobile home & other16.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$357,900
Median rent$732
Owner-occupied84.0%
Vacant4.6%
Price-to-income4.2x
Est. income to buy$99,000