City · 9,671 residents · Kanawha County, West Virginia
Cross Lanes, West Virginia
In Cross Lanes, a typical home is worth $153,800 and typical rent is $949 a month. Home values, rent and income are very close to those of all of Kanawha County.
Cross Lanes is in Kanawha 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 Kanawha County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Dunbar, the typical home value is $119,600: 22% less than in Cross Lanes ($153,800).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Cross Lanes
What homes there are in Cross Lanes, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Cross Lanes
Kanawha County
West Virginia
United States
Kind of home: Cross Lanes and its comparisons
Measure
Cross Lanes
Kanawha County
West Virginia
United States
Detached house
68%
70%
71%
61%
Attached house
Unreliable estimate
2%
3%
6%
Building of 2 to 4
Unreliable estimate
7%
5%
8%
Apartments (5 or more)
Unreliable estimate
11%
8%
19%
Mobile home
Unreliable estimate
10%
14%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Cross Lanes, 7 in 10 homes are single-family detached houses, about the same as in Kanawha County.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Cross Lanes
Kanawha County
West Virginia
United States
Year built: Cross Lanes and its comparisons
Measure
Cross Lanes
Kanawha County
West Virginia
United States
Before 1960
18%
43%
32%
26%
1960–1979
51%
27%
24%
24%
1980–1999
22%
18%
25%
25%
2000–2009
9%
7%
12%
14%
2010 or later
Unreliable estimate
5%
8%
11%
The typical home in Cross Lanes was built in 1975, 9 years after the typical one in Kanawha County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K22%
$100K–$200K49%
$200K–$300K18%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Cross Lanes and its comparisons
Measure
Cross Lanes
Under $100K
22%
$100K–$200K
49%
$200K–$300K
18%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99940%
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Cross Lanes and its comparisons
Measure
Cross Lanes
Under $500
Unreliable estimate
$500–$999
40%
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,196 a month
Kanawha County: $1,216 a month
Without a mortgage
$432 a month
Kanawha County: $447 a month
Owners with a mortgage
59%
Kanawha County: 48%
The typical cost for an owner with a mortgage in Cross Lanes is $1,196 a month, near the figure in Kanawha County ($1,216).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Cross Lanes+11%
Kanawha County+31%
West Virginia+36%
United States+53%
Typical rent
Cross LanesNo clear change
Kanawha County+21%
West Virginia+20%
United States+33%
Typical household income
Cross LanesNo clear change
Kanawha County+31%
West Virginia+28%
United States+29%
Change since 2015–2019: Cross Lanes and its comparisons
Measure
Cross Lanes
Kanawha County
West Virginia
United States
Typical home value
+11%
+31%
+36%
+53%
Typical rent
No clear change
+21%
+20%
+33%
Typical household income
No clear change
+31%
+28%
+29%
From 2015–2019 to 2020–2024, the typical home value in Cross Lanes rose 11%; in Kanawha County, it rose 31%.
Since 2015–2019, the typical rent in Cross Lanes did not change clearly, according to the Census.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Cross Lanes and its comparisons
Measure
Cross Lanes
Kanawha County
West Virginia
United States
Rental vacancy
Unreliable estimate
9.1%
6.7%
5.5%
Homeowner vacancy
Unreliable estimate
1.7%
1.2%
0.9%
More than one person per room
Unreliable estimate
0.9%
1.3%
3.4%
People per household
2.07
2.27
2.37
2.53
Drive alone
81%
77%
78%
69%
Carpool
Unreliable estimate
8%
9%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
Unreliable estimate
3%
3%
3%
Work from home
Unreliable estimate
10%
9%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
20 to 29 minutes
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
Households in Cross Lanes are smaller: 2.07 people on average; in Kanawha County, 2.27.
The car rules in Cross Lanes: 81% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.
Do the math
What would you pay each month for a home in Cross Lanes?
A typical home is within reach of the typical income
We start with a typical home in Cross Lanes, worth $153,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 23% of the typical household income in Cross Lanes, which is $63,537 a year.
The calculator's FHA and conventional loan limits are those of all of Kanawha County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Cross Lanes. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $5,383 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,240
at 7.18% · 30 years
Loan amount
$151,014
Total interest
$217,274
Paid off in
November 2056
Includes $2,597 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,483 a month
Your payment · 23%
Tight
$1,483 to $1,906 a month
Hard
more than $1,906 a month
Compared with the typical household income in Cross Lanes ($63,537 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,023
Property tax
$85
Home insurance
$64
FHA mortgage insurance (MIP)
$68
You need at least $5,383 for the down payment, plus closing costs.
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.
Total monthly payment $1,240; principal and interest $1,023.
The city and its county
Cross Lanes and Kanawha County
Cross Lanes is in Kanawha County, West Virginia. 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).
Cross Lanes
Map of Kanawha County, West Virginia, with Cross Lanes marked. Around it, the neighboring counties.
Cross Lanes
Kanawha County
Other cities with a page
Cross Lanes's own numbers
Typical home value
$153,800
Typical monthly rent
$949
Typical yearly household income
$63,537
Households that own their home
74%
Effective property tax rate
0.66%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Kanawha County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,048
Price change over 5 years (FHFA)
+34%
Homes in a high flood-risk zone
13%
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 Kanawha County.
A typical home in Cross Lanes is worth $153,800: 4% above the county and 5% below West Virginia. With the typical household income in Cross Lanes ($63,537 a year), a typical home costs 2.4 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.
Cross Lanes2.4 years
Kanawha2.4 years
West Virginia2.7 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Kanawha County
According to FHFA’s house price index, home prices in Kanawha County rose 40% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Kanawha County.
Yearly change in FHFA’s price index in Kanawha County, 2016 to 2025
2016: +0.2% +0.2% 2016
2017: +0.1% +0.1% 2017
2018: +1.7% +1.7% 2018
2019: −0.4% −0.4% 2019
2020: +2.5% +2.5% 2020
2021: +7.4% +7.4% 2021
2022: +8.3% +8.3% 2022
2023: +4.3% +4.3% 2023
2024: +8.8% +8.8% 2024
2025: +1.8% +1.8% 2025
Change in FHFA’s price index in Kanawha County, West Virginia and the United States
Period
County
West Virginia
U.S.
Last year (2025)
+1.8%
+4.1%
+2.9%
5 years (2020–2025)
+34%
+40%
+47%
10 years (2015–2025)
+40%
+54%
+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
Cross Lanes next to Kanawha County, West Virginia and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Cross Lanes$153,800
Kanawha$147,300
West Virginia$162,600
United States$332,700
Typical monthly rent
Cross Lanes$949
Kanawha$906
West Virginia$872
United States$1,413
Typical yearly household income
Cross Lanes$63,537
Kanawha$60,943
West Virginia$59,608
United States$80,734
See the full table
Cross Lanes next to Kanawha County and West Virginia
Measure
Cross Lanes
Kanawha County
West Virginia
U.S.
Typical home value
$153,800 ▲4% above the county
$147,300
$162,600
$332,700
Typical monthly rent
$949 ▲5% above the county
$906
$872
$1,413
Typical yearly household income
$63,537 ▲4% above the county
$60,943
$59,608
$80,734
Households that own their home
74% ▲3 points above the county
71%
75%
65%
Typical yearly property tax
$1,009 ▲5% above the county
$964
$865
$3,119
Effective property tax rate
0.66% ▲0.01 points above the county
0.65%
0.53%
0.94%
Renters with high rent for their income
41% ▼6 points below the county
47%
49%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Kanawha 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 Cross Lanes
For a typical $153,800 home in Cross Lanes, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Cross Lanes's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,240a month
Least cash to close
Down payment
$5,383
Cash to close
$9,997
Rate
7.18%
Mortgage insurance
FHA MIP · $68
Conventional, 5% down$1,212a month
Down payment
$7,690
Cash to close
$12,304
Rate
7.18%
Mortgage insurance
PMI · $73
Conventional, 20% down, no PMI$982a month
Down payment
$30,760
Cash to close
$35,374
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,124a month
Down payment
$23,070
Cash to close
$27,684
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Cross Lanes
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,240
$5,383
$151,014
7.18%
FHA MIP · $68
$9,997
580
Conventional, 5% down
$1,212
$7,690
$146,110
7.18%
PMI · $73
$12,304
620*
Conventional, 20% down, no PMI
$982
$30,760
$123,040
7.18%
None
$35,374
620*
ITIN, 15% down (example)
$1,124
$23,070
$130,730
8.18%
None
$27,684
Set by the lender
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.
Typical rent in Cross Lanes is $949 a month: 5% above the county. In Cross Lanes, 41% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Kanawha County, by unit size. To pay the 2-bedroom one ($1,048 a month) without spending more than 30% of your income, you would need to earn $20.15 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Kanawha County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$730
$14.04
$29,200
1 bedroom
$844
$16.23
$33,760
2 bedrooms
$1,048
$20.15
$41,920
3 bedrooms
$1,324
$25.46
$52,960
4 bedrooms
$1,377
$26.48
$55,080
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 Cross Lanes
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Cross Lanes is in ZIP code 25313.
For 2 bedrooms it is $1,050: $2 more than the fair market rent for Kanawha County ($1,048).
Fair market rent by ZIP code and size in Cross Lanes, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
25313
$730
$850
$1,050
$1,330
$1,380
ZIP code2 bd3 bd
25313 $1,050$1,330
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Cross Lanes 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 2 buildings with rents for lower incomes in Cross Lanes. These are the largest.
Perkins Parke Apts100 Drexel Pl, Cross Lanes 2531356 homes · 1 bd: 8 · 2 bd: 40 · 3 bd: 8 · In service since 2003 · For older adults, people with disabilities, families
Tyler Heights Apts100 Tyler Ridge Rd, Cross Lanes 2531340 homes · 1 bd: 8 · 2 bd: 24 · 3 bd: 8 · In service since 2007 · For families
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 Kanawha County; none says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Cross Lanes or Kanawha County. The ones below are statewide in West Virginia: they work in Cross Lanes the same as in the rest of the state.
West Virginia state fund loan of up to $12,000 for the down payment and closing costs, over 15 years at 2% interest, only with the Homeownership Program mortgage.Offered by West Virginia Housing Development Fund (WVHDF).
No legal help resource on our list is for Cross Lanes or Kanawha County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Cross Lanes and all of Kanawha 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 Cross Lanes?
The typical home value in Cross Lanes is $153,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Kanawha County it is $147,300.
How much does it cost to rent in Cross Lanes?
Typical rent in Cross Lanes is $949 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Kanawha County is $1,048.
What is the FHA loan limit in Cross Lanes?
Cross Lanes uses the FHA limit for all of Kanawha 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 Cross Lanes?
The typical homeowner in Cross Lanes pays $1,009 a year, according to the U.S. Census Bureau. That is 0.66% of the home’s value; in Kanawha County, the rate is 0.65%.
Where can I find free help to buy or rent in Cross Lanes?
There is 1 HUD-approved counseling agency with an office in Kanawha County. They can help you get ready to buy, with your credit, or with rent.
