Town in Bexar County, part of the San Antonio metro

Living in Cross Mountain, TX

A+

4th of 745Texas towns of 1,000 to 10,000 people
Overall score 99 of 100
1st of 54 in the San Antonio area

Cross Mountain earns a grade of A+ on our index, 4th of 745 Texas towns of 1,000 to 10,000 people. It does best on jobs and income and internet access, and trails on getting around. It is a strong pick for families, young professionals, retirees, remote workers and people on a budget.

  • Good for families
  • Good for young professionals
  • Good for retirees
  • Good for remote workers
  • Good for people on a budget
  • Well connected
  • River flooding risk is very high
  • Tornado risk is very high
Map of Texas showing where Cross Mountain isHoustonDallasAustinFort WorthCross Mountain
Where Cross Mountain is in Texas.
Population
3,752
Median rent
No data
Median home value
$580,700105% higher than Texas
Household income
$205,164Median
Average commute
27 minOne way
Violent crime
No dataNo full-year report

What it's like to live in Cross Mountain

Cross Mountain sits about 16 miles from downtown San Antonio, in the San Antonio-New Braunfels metro. About 3,752 people live here. It is small-town and rural in feel, with mostly newer homes (the median home was built in 2004).

The median age is 41.2, 36% of households have children, 95% of homes are owned by the people living in them and the typical household earns $205,164 a year (161% higher than the Texas median).

Pros of living in Cross Mountain

  • High incomes. The median household earns $205,164, 161% higher than the Texas median.

Cons of living in Cross Mountain

  • Natural hazard risk. FEMA rates the risk of river flooding, tornadoes and heat waves as very high here.

Who Cross Mountain suits

  • FamiliesA reasonable fit. Compared with similar Texas places, it beats 98% for families.
  • Young professionalsA reasonable fit: household income is 161% higher than the Texas median, with 1 restaurant and 0 cafes in town. Compared with similar Texas places, it beats 98% for young professionals.
  • RetireesA reasonable fit: 11% of working-age adults are uninsured. Compared with similar Texas places, it beats 99% for retirees.
  • Remote workersA reasonable fit: 99% of homes have broadband. Compared with similar Texas places, it beats 100% for remote workers.
  • People on a budgetA reasonable fit. Compared with similar Texas places, it beats 98% for people on a budget.

Cross Mountain report card

Ten grades, one for each part of daily life we measure. Most compare Cross Mountain with other US towns of 1,000 to 10,000 people. Schools, safety and errands compare it with other Texas towns of 1,000 to 10,000 people.

  • Cost of living: grade A

    Homes cost 2.8x income.

    91 of 100 vs US towns

  • Jobs and income: grade A+

    Median household income $205,164, 2.7% unemployed.

    96 of 100 vs US towns

  • Schools: grade B+

    Not enough data.

    75 of 100 vs TX towns

  • Safety: no grade

    No full year of crime data from local police.

    No score vs TX towns

  • Errands and things to do: grade B

    0 grocery stores, 1 restaurant, 1 park mapped in town.

    70 of 100 vs TX towns

  • Getting around: grade C-

    Average commute 27 min, 11% work from home.

    38 of 100 vs US towns

  • Education levels: grade A

    67% have a bachelor’s degree.

    89 of 100 vs US towns

  • Health: grade B

    11% of adults uninsured.

    69 of 100 vs US towns

  • Home ownership: grade A-

    95% of homes owner-occupied.

    84 of 100 vs US towns

  • Internet access: grade A+

    99% of homes have broadband.

    96 of 100 vs US towns

Where Cross Mountain stands out compared with Texas

Better than Texas

  • Median household income: $205,164161% higher than Texas ($78,476)
  • Renters paying 30%+ of income on rent: 0%52 points lower than Texas (52%)
  • Adults with a bachelor's degree or higher: 67%33 points higher than Texas (34%)

Worse than Texas

No measure is clearly worse than Texas.

Cost of living in Cross Mountain

HUD sets fair market rents for this area at $1,196 for a one-bedroom, $1,441 for a two-bedroom and $1,864 for a three-bedroom (fiscal year 2027). These figures include utilities and describe a modest unit, so newer apartments often ask for more.

The median home is worth $580,700, 105% higher than the Texas median. With 20% down and a 30-year loan at 7.28%, the monthly payment comes to about $3,179 before tax, or $4,012 with property tax.

Texas has no state income tax, but property taxes are among the highest in the country. The median homeowner in Cross Mountain pays $10,000+ a year, 136% higher than the Texas median of $4,232. Budget for it, along with homeowners insurance, which our numbers do not include.

Typical rent by apartment size

Fair market rent by bedroom count in Cross MountainStudio$1,0991 bedroom$1,1962 bedrooms$1,4413 bedrooms$1,8644 bedrooms$2,163
HUD fair market rent for FY2027, San Antonio-New Braunfels, TX HUD Metro FMR Area. This is what a typical, modest unit rents for, including utilities.
MeasureHereTexasUS
Median home value105% higher than Texas$580,700$283,800$332,700
Home value to income22% lower than Texas2.8x3.6x4.1x
Renters paying 30%+ of income on rent52 points lower than Texas0%52%51%
Median property tax per year136% higher than Texas$10,000+$4,232$3,119
Homes owned by the people living in them33 points higher than Texas95%63%65%
Median year homes were builtAbout the same as Texas200419921980

Monthly cost to buy a median home

$4,012
Mortgage payment
$3,179
Property tax
$833

Based on a $580,700 home in Cross Mountain, 20% down and a 30-year loan at 7.28% (Freddie Mac average, week of 2026-10-01). Property tax is the median paid locally, or the county median where the local figure is not published. Insurance and fees are not included.

Daily life in Cross Mountain

Everyday places mapped inside Cross Mountain, from Overture Maps.

The average one-way commute is 27 minutes, about the same as the Texas average. 11% of workers work from home. Fewer than 3% walk, bike or take transit to work, so plan on driving for almost everything.

Downtown San Antonio is about 16 miles away in a straight line. Many people who live in Cross Mountain work elsewhere in the metro, so test the drive at rush hour before you commit.

The median household income is $205,164, income per person is $72,493, unemployment is 2.7% and 67% of adults hold a bachelor's degree.

Grocery stores
0
Pharmacies
0
Restaurants
1
Cafes
0
Bars
1
Parks
1
Gyms
1
Hospitals and urgent care
0
Childcare
2
Libraries
0

Jobs, income and education

MeasureHereTexasUS
Median household income161% higher than Texas$205,164$78,476$80,734
Income per person78% higher than Texas$72,493$40,752$44,673
Unemployment rate3 points lower than Texas2.7%5.3%5.2%
People below the poverty line12 points lower than Texas1.6%14%12%
Adults with a bachelor's degree or higher33 points higher than Texas67%34%36%
Adults with a high school diploma or higher10 points higher than Texas96%86%90%
Adults 18 to 64 without health insurance9 points lower than Texas11%20%11%
Homes with broadband internet8 points higher than Texas99%91%91%

Getting to work

MeasureHereTexasUS
Average commuteAbout the same as Texas27 min27 min26 min
Workers who work from home4 points lower than Texas11%14%15%
Workers who work from home11%
Workers who take transit0%
Workers who walk1.9%
Workers who bike0%

Who lives in Cross Mountain

Under 1829%
18 to 3411%
35 to 6448%
65 and over12%

Median age 41.2 years. 36% of households have children.

Race and ethnicity
White44%
Hispanic or Latino31%
Black2.3%
Asian3.0%
Other or more than one race19%

Shown for information only. It is never part of any grade.

Weather in Cross Mountain

Cross Mountain has a hot Texas climate. July highs average 93°F and January lows about 37°F. There are about 95 days a year at 90°F or above, and about 38 inches of rain a year.

Average monthly high and low temperatures in Cross Mountain30°50°70°90°62J66F72M79A84M90J92J94A88S80O70N63DRain

Average daily high and low by month, °F, with rain below. NOAA 1991 to 2020 normals from Boerne, 11 mi away. Orange months average 90°F or more.

Natural hazard risk

FEMA's National Risk Index says river flooding risk is very high, hurricane risk is moderate, tornado risk is very high and hail risk is very high. Before you buy, look up the FEMA flood zone for the exact address and get a flood insurance quote, since standard home policies do not cover floods.

  • River floodingVery high
  • HurricanesModerate
  • TornadoesVery high
  • HailVery high
  • Heat wavesVery high
  • WildfiresVery high
  • Winter stormsModerate
  • Strong windLow

Source: FEMA National Risk Index, December 2025, Census tract level averaged for the city. Check the FEMA flood map for any address before you buy.

Places near Cross Mountain

Nearby, Scenic Oaks gets an A-, Fair Oaks Ranch gets an A and Helotes gets an A. Each is graded against Texas places of its own size, so a small town and a big city can both earn an A.

  1. A-Scenic OaksSmall city, 10,569 people3 mi
  2. AFair Oaks RanchSmall city, 10,728 people7 mi
  3. AHelotesTown, 9,630 people7 mi
  4. A+Shavano ParkTown, 3,670 people8 mi
  5. A-BoerneSmall city, 20,518 people10 mi
  6. A-Timberwood ParkSmall city, 35,413 people10 mi

Cross Mountain in the San Antonio area

How it ranks among 54 places in the metro.

  1. 1A+Cross Mountain3,752 people16 mito downtown
  2. 2A+Shavano Park3,670 people9 mito downtown
  3. 3A+Hollywood Park3,143 people10 mito downtown
  4. 4A+Alamo Heights7,492 people4 mito downtown

See all of the best suburbs of san antonio

Living in Cross Mountain: common questions

Is Cross Mountain, TX a good place to live?

Cross Mountain earns a grade of A+ on our index, 4th of 745 Texas towns of 1,000 to 10,000 people. It does best on jobs and income and internet access, and trails on getting around. It is a strong pick for families, young professionals, retirees, remote workers and people on a budget.

How much does it cost to live in Cross Mountain?

The median home is worth $580,700, 105% higher than the Texas median. A median home costs 2.8x the median household income, compared with 3.6x across Texas. With 20% down at a 7.28% rate, the monthly payment on a median home is about $4,012, including property tax.

Does Cross Mountain flood?

FEMA rates river flooding risk in Cross Mountain as very high, and coastal flooding as not rated. Hazards rated high or very high here: river flooding, tornadoes, heat waves, hail and wildfires. Always check the flood map for a specific address before you buy.

What is the weather like in Cross Mountain?

Summers in Cross Mountain peak at about 93°F in July, and January nights fall to about 37°F. Expect around 95 days a year at 90°F or hotter, and 38 inches of rain.

How long is the commute in Cross Mountain?

The average one-way commute is 27 min, about the same as the Texas average. About 11% of workers work from home. It is about 16 miles from downtown San Antonio.

Sources: US Census Bureau 2020-2024 ACS 5-year and 2025 population estimates, CDC PLACES 2025, Texas Education Agency 2025 ratings, FBI Crime Data Explorer, FEMA National Risk Index, NOAA climate normals, HUD fair market rents, Overture Maps. Updated 2026-10-04. How we grade.