Cross Roads, Texas.
Typical home $327,130 (-6.0% in a year), asking rent $2,233 . Dallas-Fort Worth-Arlington, TX metro.
to buy the typical home at today's mortgage rate — +$788 (+85%) since Jan 2020.
- 1 year
- Down $20,720 -6%
- $347,851$327,130 since Sep 2025
- 5 years
- Down $4,181 -1%
- $331,312$327,130 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Cross Roads$1,717
- Texas$1,556
- United States$1,922
At the last five years' pace, prices here aren't rising.
Typical home values in Cross Roads, TX fell 6.0% over the past year — slower than the nation's +1.2%.
Living in Cross Roads, Denton County, Texas
Cross Roads is a town of 1,744 people in Denton County. Half its households earn more than $124,145 a year and half less, against $111,498 across Denton County; 7% of its people live below the poverty line. 86% of its homes are lived in by their owners and 14% are rented. Unemployment in Denton County was 4.2% in August 2026, and the county had 2.0% more jobs in 2025 than the year before. The most residents work in schools and health care, then finance and property.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Cross Roads is a small town in Denton County where nearly everyone owns the home they live in, and renters are few. Residents are somewhat older than in many Texas communities, household incomes run above the county's, and a larger share of adults hold a four-year degree than in most places. The commute to work is a long one, and quite a few people skip it by working from home.
Work. Many residents work in schools, hospitals and social care, with others in banks, insurance and property, in shops, or in professional and business services. Across Denton County, some of the largest workplaces are school districts such as Lewisville ISD and Denton ISD, along with the University of North Texas. Unemployment in the county is about where it was a year ago, and the county has added a few more jobs over the past year.
Things to do. Universal Kids Resort, an amusement park, is a short drive away, as is Clear Creek, a small river for a walk by the water. A longer drive brings you to Southfork Ranch, a museum, and to Texas Motor Speedway, a race track. Winters are mild and brief and summers are hot, with a fair amount of rain through the year.
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- 711households
- 48%of adults have a degree
- 7%below the poverty line
- 42 mintypical commute
- 29%work from home
What residents work in
Employed residents by industry, from the Census survey. Denton County had 320,064 jobs in 2025, 2.0% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 56° and lows near 34°; warmest in July, with highs near 96° and lows near 75°. About 38 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Denton Southeast weather station, 6 miles away (NOAA).
Largest workplaces in Denton County
- Lewisville ISDSchool district6,468FTE
- Denton ISDSchool district4,578FTE
- University of North TexasUniversity or college4,333
- Northwest ISDSchool district3,443FTE
- Texas College Preparatory Academies SchoolsSchool district2,358FTE
- Peterbilt PaccarChassis, heavy truck, with or without cabs, manufacturing2,265
- PTD SouthwestTransmission and distribution line construction2,126
- Texas Woman's UniversityUniversity or college1,905
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 553 workplaces with 20 or more staff, 86,591 people in all across the county; Cross Roads has one of its own. School districts come from the Common Core of Data (NCES, 2023–24) and colleges from IPEDS (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- TornadoesVery high
- HailRelatively high
- WildfireRelatively moderate
- Heat wavesrelatively high in parts of Cross RoadsRelatively moderate
- Ice stormsRelatively moderate
- Cold wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Cross Roads’ census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Denton County and the Dallas-Fort Worth-Arlington, TX metro.
Cross Roads home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Cross Roads$327,130
- Texas$296,424
- United States$366,157
Sellers are cutting prices on about 1 in 3 Cross Roads listings — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Cross Roads35.94%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Cross Roads75
New listings per month
Sellers arriving at the market.
- Cross Roads14
Zip codes with a Cross Roads address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Cross Roads — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zillow publishes no zip-level series with this city on the address.