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City · 12,428 residents · Cumberland County, Tennessee

Crossville , Tennessee

In Crossville, a typical home is worth $246,300 and typical rent is $815 a month. Compared with all of Cumberland County, typical household income is 19% lower and the share of households that own their home is 29 points lower.

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  • Typical home value

    $246,300

    About the same as the county

    14% below Tennessee

    • Crossville
    • Cumberland
    • Tennessee

  • Typical rent

    $815a month

    3% below the county

    31% below Tennessee

    • Crossville
    • Cumberland
    • Tennessee

  • Typical household income

    $48,802a year

    19% below the county

    30% below Tennessee

    • Crossville
    • Cumberland
    • Tennessee

  • Households that own their home

    51%

    29 points below the county

    16 points below Tennessee

    • Crossville
    • Cumberland
    • Tennessee

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$306,626
0.7% more than 12 months ago
Typical rent
$1,724 a month

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Crossville is in Cumberland County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Cumberland County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Crossville apart

What this place has that others do not, from public data, most unusual first.

  1. 51% of households in Crossville own their home, against 80% in Cumberland County.

  2. Nearby, in Rockwood, the typical home value is $128,700: 48% less than in Crossville ($246,300).

  3. The typical household income in Crossville is $48,802, 19% less than in Cumberland County as a whole ($60,375).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Crossville

What homes there are in Crossville, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Crossville, 6 in 10 homes are single-family detached houses; in Cumberland County, 7.

Year built

The typical year built in Crossville is 1992, about the same as in Cumberland County (1994).

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

By rent, most homes in Crossville cost less than HUD's 2-bedroom fair market rent ($1,039): about 79%.

With a mortgage

$1,174 a month

Cumberland County: $1,194 a month

Without a mortgage

$377 a month

Cumberland County: $374 a month

Owners with a mortgage

52%

Cumberland County: 49%

The typical cost for an owner with a mortgage in Crossville is $1,174 a month, near the figure in Cumberland County ($1,194).

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Crossville rose 68%; in Cumberland County, it rose 64%.

Rents in Crossville rose at about the same pace as in Cumberland County: 22% since 2015–2019, against 21%.

While home values in Crossville changed +68% and rent +22%, the typical household income rose 43%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureCrossvilleCumberland CountyTennesseeUnited States
Rental vacancy Unreliable estimateUnreliable estimate6.1%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.9%0.9%
More than one person per room Unreliable estimate1.9%2.2%3.4%
People per household 2.262.232.452.53
Drive alone 80%79%76%69%
Carpool 10%9%8%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate2%1%3%
Work from home 6%9%13%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 10 to 19 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

Much as in Cumberland County, a household in Crossville has 2.26 people on average.

To get to work, 80% of workers in Crossville drive alone; in Cumberland County, 79%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Crossville?

A typical home costs more than the typical income allows

We start with a typical home in Crossville, worth $246,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 47% of the typical household income in Crossville, which is $48,802 a year. For that payment to be 28% of income, a household would need to earn about $82,359 a year.

The calculator's FHA and conventional loan limits are those of all of Cumberland County.

Your numbers

Local data
$

Starts at the typical home value in Crossville. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $8,621 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,922

at 7.18% · 30 years

Loan amount
$241,838
Total interest
$347,949
Paid off in
November 2056

Includes $4,159 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,139 a month

  • Tight

    $1,139 to $1,464 a month

  • Hard

    more than $1,464 a month

    Your payment · 47%

Compared with the typical household income in Crossville ($48,802 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,922
Principal & interest$1,638
Property tax$72
Home insurance$103
FHA mortgage insurance (MIP)$109

You need at least $8,621 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Crossville and Cumberland County

Crossville is in Cumberland County, Tennessee. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Crossville's own numbers

Typical home value
$246,300
Typical monthly rent
$815
Typical yearly household income
$48,802
Households that own their home
51%
Effective property tax rate
0.35%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Cumberland County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,039
Price change over 5 years (FHFA)
+79%
Homes in a high flood-risk zone
0%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Cumberland County.

Everything about Cumberland County

Buying

Buying a home in Crossville

A typical home in Crossville is worth $246,300: about the same as the county and 14% below Tennessee. With the typical household income in Crossville ($48,802 a year), a typical home costs 5.0 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Crossville 5.0 years
  • Cumberland 4.1 years
  • Tennessee 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Cumberland County

According to FHFA’s house price index, home prices in Cumberland County rose 120% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Cumberland County.

Period County Tennessee U.S.
Last year (2025) +6.0% +2.4% +2.9%
5 years (2020–2025) +79% +60% +47%
10 years (2015–2025) +120% +114% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Crossville next to Cumberland County, Tennessee and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Crossville $246,300
  • Cumberland $250,500
  • Tennessee $286,700
  • United States $332,700
Typical monthly rent
  • Crossville $815
  • Cumberland $839
  • Tennessee $1,189
  • United States $1,413
Typical yearly household income
  • Crossville $48,802
  • Cumberland $60,375
  • Tennessee $69,595
  • United States $80,734
See the full table
Crossville next to Cumberland County and Tennessee
Measure Crossville Cumberland County Tennessee U.S.
Typical home value $246,300 $250,500 $286,700 $332,700
Typical monthly rent $815 $839 $1,189 $1,413
Typical yearly household income $48,802 $60,375 $69,595 $80,734
Households that own their home 51% 80% 67% 65%
Typical yearly property tax $857 $730 $1,442 $3,119
Effective property tax rate 0.35% 0.29% 0.5% 0.94%
Renters with high rent for their income 39% 35% 49% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Cumberland County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Crossville

For a typical $246,300 home in Crossville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Crossville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,922a month

    Least cash to close
    Down payment
    $8,621
    Cash to close
    $16,010
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $109

  • Conventional, 5% down $1,877a month

    Down payment
    $12,315
    Cash to close
    $19,704
    Rate
    7.18%
    Mortgage insurance
    PMI · $117

  • Conventional, 20% down, no PMI $1,509a month

    Down payment
    $49,260
    Cash to close
    $56,649
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,737a month

    Down payment
    $36,945
    Cash to close
    $44,334
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Crossville and for Cumberland County.

Property tax

Effective rate in Crossville

0.35%of the home’s value each year

$857 a year for the typical owner in Crossville.

  • Crossville 0.35%
  • Cumberland 0.29%
  • Tennessee 0.5%

What Tennessee publishes Property tax relief for older, disabled and disabled-veteran homeowners (Tennessee Comptroller of the Treasury, 2026 Property Tax Relief Program brochure)

Exemptions and deadlines in Tennessee

Flood risk in Cumberland County

FEMA does not publish these numbers by city: they are for all of Cumberland County.

Homes in the high-risk zone
0%
13
Of those, with NFIP insurance
7.7%
County Tennessee U.S.
Homes in the high-risk zone 0% 1.6% 3.5%
Of those, with NFIP insurance 7.7% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Crossville

Typical rent in Crossville is $815 a month: 3% below the county. In Crossville, 39% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Cumberland County, by unit size. To pay the 2-bedroom one ($1,039 a month) without spending more than 30% of your income, you would need to earn $19.98 an hour working full time.

HUD fair market rent for all of Cumberland County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $789 $15.17 $31,560
1 bedroom $794 $15.27 $31,760
2 bedrooms $1,039 $19.98 $41,560
3 bedrooms $1,410 $27.12 $56,400
4 bedrooms $1,425 $27.40 $57,000

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Crossville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Crossville is in ZIP code 38555.

For 2 bedrooms it is $1,010: $29 less than the fair market rent for Cumberland County ($1,039).

  • 38555 $1,010$1,370

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Crossville when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Crossville

HUD lists 15 buildings with rents for lower incomes in Crossville. These are the largest.

  • Crossville Housing Authority 140 Kates Korner, Crossville 38555 317 homes, 315 low-income · Run by Crossville Housing Authority · Average payment: $351 a month · Average wait: 9 months (931) 484-2990
  • Ivy Avenue Apartments 14 Dawn Ln, Crossville 38555 50 homes, 49 low-income · For families (931) 484-2337
  • Mountain Village Apartments 30 Mountain Village Ln, Crossville 38555 48 homes, 47 low-income · 1 bd: 24 · 2 bd: 24 · In service since 2016 · For families
  • Beverly Hills Apartments 50 Beverly Hills Cir, Crossville 38555 43 low-income homes · 1 bd: 35 · 2 bd: 8 · In service since 2016 · For families
  • Willowwood Apts LP 109 Willowwood Loop, Crossville 38555 32 low-income homes · 1 bd: 28 · 3 bd: 4 · In service since 2004 · For people with disabilities, families

See all 15 buildings in Cumberland County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Crossville

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There is 1 HUD-approved agency with an office in Cumberland County; none says it serves in Spanish.

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Crossville

No down payment, repair or rent-help program on our list is for Crossville or Cumberland County. The ones below are statewide in Tennessee: they work in Crossville the same as in the rest of the state.

Which programs do I qualify for? All programs in Tennessee

  • Great Choice Plus

    Statewide in Tennessee

    Tennessee state agency help with the down payment and closing costs alongside the Great Choice mortgage: $6,000 or $10,000 forgivable over 10 years with no payments, or up to 5% of the price (maximum $15,000) as a 30-year second mortgage. Offered by Tennessee Housing Development Agency (THDA).

    ForgivableRepayable

    See the program Official page

Housing counselors near Crossville

The HUD-approved agencies closest to the center of Crossville, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Crossville Housing Authority

    67 Irwin Ave, Crossville · 0 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (931) 484-2990

  • City Fields

    1075 Blythe Ave SE, Cleveland · 56 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (423) 472-9876

  • University of Tennessee Extension Office

    2621 Morgan Cir, Knoxville · 61 miles away

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 2 more
    (865) 974-7349

Every agency in Cumberland County All counseling agencies in Tennessee

Help in Spanish near Crossville

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Crossville

HUD’s record names them for Crossville or Cumberland County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Crossville Housing Authority Public housing and Section 8 vouchers (931) 484-2990

All housing agencies in Tennessee Source: HUD

Cities

Other cities in Cumberland County

These cities are also in Cumberland County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Cumberland County Housing in Tennessee

Nearby cities

The cities closest to Crossville, with the typical home value.

Neighboring counties

If Cumberland County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Crossville.

All guides
A mother holds hands with her two daughters on the beach at sunset.

Questions

Housing questions about Crossville

Short answers with the numbers for Crossville and all of Cumberland County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Crossville?

The typical home value in Crossville is $246,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Cumberland County it is $250,500.

How much does it cost to rent in Crossville?

Typical rent in Crossville is $815 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Cumberland County is $1,039.

What is the FHA loan limit in Crossville?

Crossville uses the FHA limit for all of Cumberland County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Crossville?

The typical homeowner in Crossville pays $857 a year, according to the U.S. Census Bureau. That is 0.35% of the home’s value; in Cumberland County, the rate is 0.29%.

Where can I find free help to buy or rent in Crossville?

There is 1 HUD-approved counseling agency with an office in Cumberland County. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).