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Cross Plains town, TX

ZIP 76443 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 76443

Median Home Value
$112,400
Median Rent
$528
Affordability Snapshot
$31,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$722/mo PITI).

14%
Rent-to-Income Ratio

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

2.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

17.7 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 76443 in Cross Plains town, TX, a household would need roughly $31,000 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 $722. That sits below the local median household income ($46,033), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 30% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
72.0%+10% vs US avg
x
Vacancy Rate
29.8%+190% vs US avg
x
Broadband Access
94.1%+8% vs US avg
x
4+ Bedrooms
0.6%-96% vs US avg
x
Built Pre-1939
12.0%-6% vs US avg
x
Built Post-2014
0.6%-92% vs US avg
x
Rent Burden >30%
17.3%-65% vs US avg
x
Mortgage-Free
72.0%+88% vs US avg
x
$112,400
Home Value
$528
Rent
1974
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached80.3%
  • 1-unit attached1.8%
  • 2-9 units4.1%
  • 10+ units0.3%
  • Mobile home & other13.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$112,400
Median rent$528
Owner-occupied72.0%
Vacant29.8%
Price-to-income2.4x
Est. income to buy$31,000