Town in Denton County, part of the Dallas-Fort Worth metro

Living in Cross Roads, TX

C-

452nd of 745Texas towns of 1,000 to 10,000 people
Overall score 39 of 100
123rd of 181 in the Dallas-Fort Worth area

We give Cross Roads a C-. It ranks 452nd of 745 Texas towns of 1,000 to 10,000 people. It does best on internet access and education levels, and trails on cost of living and getting around.

  • Pricey
  • Fast-growing
  • Well connected
  • Cost of living scores low (6 of 100)
  • Schools scores low (12 of 100)
Map of Texas showing where Cross Roads isHoustonSan AntonioAustinCross Roads
Where Cross Roads is in Texas.
Population
1,965+12.2% since 2020
Median rent
$1,75025% higher than Texas
Median home value
$632,300123% higher than Texas
Household income
$124,145Median
Average commute
42 minOne way
Violent crime
0Per 100k, 2025

What it's like to live in Cross Roads

Cross Roads sits about 33 miles from downtown Dallas, in the Dallas-Fort Worth-Arlington metro. 1,965 people lived here in 2025, up 12.2% from 2020, so it is one of the faster-growing places in Texas. It is small-town and rural in feel, with mostly newer homes (the median home was built in 2012).

Places locals use include Crossroads Town Park and Cross Roads Parks and Rec.

The median age is 42.3, 32% of households have children, 86% of homes are owned by the people living in them and the typical household earns $124,145 a year (58% higher than the Texas median).

Pros of living in Cross Roads

  • Low violent crime. 0 violent crimes per 100,000 people in 2025, 100% lower than the Texas rate.
  • High incomes. The median household earns $124,145, 58% higher than the Texas median.

Cons of living in Cross Roads

  • Higher rent. Median rent is $1,750, 25% higher than the Texas median.
  • Homes are pricey for local incomes. The median home costs 5.1 times the median household income, against 3.6 times across Texas.
  • Higher unemployment. 10% of the labor force is out of work, against 5.3% statewide.
  • Long commutes. The average trip to work takes 42 minutes, against 27 across Texas.
  • Errands mean a drive. Compared with similar Texas places, fewer homes here are within a mile of a grocery store, pharmacy, park or clinic.

Who Cross Roads suits

  • FamiliesNot the best fit: violent crime is 100% lower than the Texas rate. Compared with similar Texas places, it beats 35% for families.
  • Young professionalsNot the best fit: household income is 58% higher than the Texas median, with 30 restaurants and 3 cafes in town. Compared with similar Texas places, it beats 22% for young professionals.
  • RetireesA reasonable fit: 9.3% of working-age adults are uninsured and violent crime is 100% lower than the Texas rate. Compared with similar Texas places, it beats 52% for retirees.
  • Remote workersA reasonable fit: 99% of homes have broadband and the median rent of $1,750 is 25% higher than the Texas median. Compared with similar Texas places, it beats 64% for remote workers.
  • People on a budgetNot the best fit: the median rent of $1,750 is 25% higher than the Texas median. Compared with similar Texas places, it beats 3% for people on a budget.

Cross Roads report card

Ten grades, one for each part of daily life we measure. Most compare Cross Roads 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 F

    Median rent $1,750, homes cost 5.1x income.

    6 of 100 vs US towns

  • Jobs and income: grade B-

    Median household income $124,145, 10% unemployed.

    59 of 100 vs US towns

  • Schools: grade D-

    Not enough data.

    12 of 100 vs TX towns

  • Safety: grade B-

    0 violent crimes per 100k, 2,948 property crimes per 100k.

    64 of 100 vs TX towns

  • Errands and things to do: grade D

    2 grocery stores, 30 restaurants, 3 parks mapped in town.

    19 of 100 vs TX towns

  • Getting around: grade D-

    Average commute 42 min, 29% work from home.

    11 of 100 vs US towns

  • Education levels: grade B+

    48% have a bachelor’s degree.

    79 of 100 vs US towns

  • Health: grade B

    9.3% of adults uninsured.

    68 of 100 vs US towns

  • Home ownership: grade B+

    86% of homes owner-occupied.

    77 of 100 vs US towns

  • Internet access: grade A+

    99% of homes have broadband.

    97 of 100 vs US towns

Where Cross Roads stands out compared with Texas

Better than Texas

  • Homes owned by the people living in them: 86%24 points higher than Texas (63%)
  • Median household income: $124,14558% higher than Texas ($78,476)
  • Adults with a bachelor's degree or higher: 48%14 points higher than Texas (34%)

Worse than Texas

  • Average commute: 42 min56% higher than Texas (27 min)
  • Home value to income: 5.1x41% higher than Texas (3.6x)
  • Renters paying 30%+ of income on rent: 64%13 points higher than Texas (52%)

Cost of living in Cross Roads

Rent is the cost most newcomers feel first. The median rent in Cross Roads is $1,750 a month, 25% higher than the Texas median of $1,403. To keep that rent at 30% of income, a household needs to earn about $70,000 a year. Right now 64% of renters here pay more than 30% of their income on rent.

HUD sets fair market rents for this area at $1,536 for a one-bedroom, $1,807 for a two-bedroom and $2,275 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 $632,300, 123% higher than the Texas median. With 20% down and a 30-year loan at 7.28%, the monthly payment comes to about $3,461 before tax, or $4,115 with property tax. That is $2,365 a month more than the median rent, so renting is the cheaper monthly choice unless you plan to stay for years.

Texas has no state income tax, but property taxes are among the highest in the country. The median homeowner in Cross Roads pays $7,843 a year, 85% 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 RoadsStudio$1,4911 bedroom$1,5362 bedrooms$1,8073 bedrooms$2,2754 bedrooms$2,892
HUD fair market rent for FY2027, Dallas, TX HUD Metro FMR Area. This is what a typical, modest unit rents for, including utilities.
MeasureHereTexasUS
Median rent25% higher than Texas$1,750$1,403$1,413
Median home value123% higher than Texas$632,300$283,800$332,700
Home value to income41% higher than Texas5.1x3.6x4.1x
Renters paying 30%+ of income on rent13 points higher than Texas64%52%51%
Median property tax per year85% higher than Texas$7,843$4,232$3,119
Homes owned by the people living in them24 points higher than Texas86%63%65%
Median year homes were builtAbout the same as Texas201219921980

Monthly cost to buy a median home

$4,115
Mortgage payment
$3,461
Property tax
$654
Median rent, for comparison
$1,750

Based on a $632,300 home in Cross Roads, 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.

Is Cross Roads safe?

In 2025, Cross Roads Police Department reported 0 violent crimes and 60 property crimes. That works out to 0 violent crimes per 100,000 people, 100% lower than the Texas rate of 387, and 2,948 property crimes per 100,000, 41% higher than the state rate.

Crime rates describe the whole area a police department covers. Some streets are much quieter than the average and some are busier, so look at the neighborhood grades and visit at different times of day.

Violent crimes per 100,000 people in Cross Roads by yearTexas0202320242025

Violent crimes per 100,000 people by year. The dashed line is the Texas rate for 2025.

Violent crime
0
per 100k, Texas 387
Property crime
2,948
per 100k, Texas 2,086
Property crimes per 100,000 people in Cross Roads by yearTexas2,948202320242025

Property crimes per 100,000 people by year.

Source: FBI Crime Data Explorer, Cross Roads Police Department, 2025. Rates count reported crimes only and cover the area this police department serves.

Daily life in Cross Roads

Everyday places mapped inside Cross Roads, from Overture Maps. Well-known spots include Crossroads Town Park, Cross Roads Parks and Rec.

The average one-way commute is 42 minutes, 56% longer than the Texas average. 29% of workers work from home. Fewer than 3% walk, bike or take transit to work, so plan on driving for almost everything.

Downtown Dallas is about 33 miles away in a straight line. Many people who live in Cross Roads work elsewhere in the metro, so test the drive at rush hour before you commit.

The median household income is $124,145, income per person is $55,222, unemployment is 10% and 48% of adults hold a bachelor's degree.

Grocery stores
2
Pharmacies
1
Restaurants
30
Cafes
3
Bars
3
Parks
3
Gyms
2
Hospitals and urgent care
2
Childcare
0
Libraries
0

Jobs, income and education

MeasureHereTexasUS
Median household income58% higher than Texas$124,145$78,476$80,734
Income per person36% higher than Texas$55,222$40,752$44,673
Unemployment rate5 points higher than Texas10%5.3%5.2%
People below the poverty line7 points lower than Texas6.9%14%12%
Adults with a bachelor's degree or higher14 points higher than Texas48%34%36%
Adults with a high school diploma or higher9 points higher than Texas95%86%90%
Adults 18 to 64 without health insurance10 points lower than Texas9.3%20%11%
Homes with broadband internet8 points higher than Texas99%91%91%

Getting to work

MeasureHereTexasUS
Average commute56% higher than Texas42 min27 min26 min
Workers who work from home15 points higher than Texas29%14%15%
Workers who work from home29%
Workers who take transit0%
Workers who walk1.4%
Workers who bike0%

Who lives in Cross Roads

Under 1822%
18 to 3416%
35 to 6448%
65 and over14%

Median age 42.3 years. 32% of households have children.

Race and ethnicity
White68%
Hispanic or Latino12%
Black7.7%
Asian4.8%
Other or more than one race8.0%

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

Weather in Cross Roads

Cross Roads has a hot Texas climate. July highs average 96°F and January lows about 34°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 Roads30°50°70°90°56J60F68M76A83M91J96J96A88S78O66N57DRain

Average daily high and low by month, °F, with rain below. NOAA 1991 to 2020 normals from Denton 2 Se, 7 mi away. Orange months average 90°F or more.

Natural hazard risk

FEMA's National Risk Index says river flooding risk is high, hurricane risk is low, 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 floodingHigh
  • HurricanesLow
  • TornadoesVery high
  • HailVery high
  • Heat wavesVery high
  • WildfiresVery high
  • Winter stormsModerate
  • Strong windHigh

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 Roads

Nearby, Providence Village gets a C, Oak Point gets a B and Krugerville gets a B+. Each is graded against Texas places of its own size, so a small town and a big city can both earn an A.

  1. CProvidence VillageTown, 8,721 people3 mi
  2. BOak PointTown, 5,887 people3 mi
  3. B+KrugervilleTown, 1,577 people3 mi
  4. C+Paloma CreekTown, 3,016 people4 mi
  5. BPaloma Creek SouthTown, 8,860 people4 mi
  6. B-AubreyTown, 7,396 people5 mi

Cross Roads in the Dallas-Fort Worth area

How it ranks among 181 places in the metro.

  1. 1A+Flower Mound78,389 people26 mito downtown
  2. 2A+Trophy Club13,733 people29 mito downtown
  3. 3A+University Park25,155 people4 mito downtown
  4. 120CRed Oak17,077 people18 mito downtown
  5. 121C-Keene6,691 people43 mito downtown
  6. 122C-Anna24,330 people40 mito downtown
  7. 123C-Cross Roads2,035 people33 mito downtown
  8. 124C-Garrett1,260 people30 mito downtown
  9. 125C-Combine2,785 people21 mito downtown
  10. 126C-Denton152,866 people36 mito downtown

See all of the best suburbs of dallas-fort worth

Living in Cross Roads: common questions

Is Cross Roads, TX a good place to live?

We give Cross Roads a C-. It ranks 452nd of 745 Texas towns of 1,000 to 10,000 people. It does best on internet access and education levels, and trails on cost of living and getting around.

How much does it cost to live in Cross Roads?

Median rent in Cross Roads is $1,750 a month, 25% higher than the Texas median. The median home is worth $632,300, 123% higher than the Texas median. A median home costs 5.1x 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 $4,115, including property tax.

Is Cross Roads safe?

In 2025, Cross Roads Police Department reported 0 violent crimes per 100,000 people, 100% lower than the Texas rate. Property crime was 2,948 per 100,000, 41% higher than the Texas rate.

Does Cross Roads flood?

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

What is the weather like in Cross Roads?

Summers in Cross Roads peak at about 96°F in July, and January nights fall to about 34°F. Expect around 95 days a year at 90°F or hotter, and 38 inches of rain.

How long is the commute in Cross Roads?

The average one-way commute is 42 min, 56% higher than the Texas average. About 29% of workers work from home. It is about 33 miles from downtown Dallas.

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.