The typical owner-occupied home in Cross Hill is worth about $104,500, 60% below the South Carolina median of $259,000 and 69% below the national median of $332,700. Owners pay a median $272 a year in property taxes, about 0.26% of their home's value, lower than the South Carolina rate of 0.48%. The median household earns $40,556 a year, so the median home costs 2.6 times the median income (3.7 times for South Carolina). 90% of occupied homes here are lived in by their owners, and 27% of those owners still have a mortgage.
Cross Hill at a glance
| Cross Hill | South Carolina | U.S. | |
|---|---|---|---|
| Median home value | $104,500 | $259,000 | $332,700 |
| Median property tax paid per year | $272 | $1,251 | $3,119 |
| Property tax as a share of value | 0.26% | 0.48% | 0.94% |
| Median household income | $40,556 | $69,324 | $80,734 |
| Homes lived in by their owners | 90% | 72% | 65% |
| Owner homes with a mortgage | 27% | 57% | 61% |
| Median monthly costs, owners with a mortgage | $779 | $1,529 | $1,963 |
| Those costs as a share of the owners' income | 14.4% | 19.7% | 21.0% |
| Median rent | $744 | $1,180 | $1,413 |
| Rent as a share of renters' income | 18.9% | 31.1% | 30.6% |
| Median year homes were built | 1982 | 1992 | 1980 |
| Vacant homes | 15.3% | 13.3% | 10.1% |
| Population | 514 | 5,296,225 | 334,922,499 |
What a typical home costs per month in Cross Hill
At this week's average 30-year rate of 7.11%, buying the median Cross Hill home of $104,500 with 20% down costs about $629 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $803, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $26,938 for the 20%-down payment. That payment is 19% of the median Cross Hill household income of $40,556; at that income and 20% down, the 28% guideline points to a home of about $157,000.
The median rent here is $744 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $20,900 |
|---|---|
| Loan amount | $83,600 |
| Principal and interest | $562 |
| Property taxes (0.26% a year) | $23 |
| Homeowners insurance (our estimate, 0.5% a year) | $44 |
| PMI | $0 |
| Total per month | $629 |
Change the numbers in the calculator
| Down payment | $3,658 |
|---|---|
| Loan amount | $102,607 |
| Principal and interest | $690 |
| Property taxes (0.26% a year) | $23 |
| Homeowners insurance (our estimate, 0.5% a year) | $44 |
| FHA mortgage insurance | $46 |
| Total per month | $803 |
Change the numbers in the calculator
Questions about home buying in Cross Hill
What is the median home value in Cross Hill?
About $104,500 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Cross Hill?
Homeowners pay a median $272 a year, which is about 0.26% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Cross Hill?
For the median home with 20% down at 7.11%, the payment is about $629 a month. Keeping that under 28% of gross income takes about $26,938 a year.
More about Cross Hill
- Mortgage Refinance in Cross Hill
- Debt Relief in Cross Hill
- Home Equity Loans in Cross Hill
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data