Brokers — List your Company Here
Featured local agent — Cross Keys, PA
Sarah Mitchell
Compass Real Estate · Cross Keys, PA
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
This spot is open. Be the only brokerage featured on this page — one slot, no auction.
Claim this spot* Example only — dummy agent for illustration. Your logo, name, tagline, link, and lead routing replace this content.
Cross Keys, PA Housing Market
The last median sale price Redfin published was $235,000 (through May 2026). With homes going under contract in about 2 days, Cross Keys is a seller's market. At today's 7.03% 30-year fixed rate, 20% down on a $235,000 home is about $1,255/mo in principal and interest.
Key numbers for Cross Keys, PA
Median sale price
$235,000
Last published period
Redfin, through September 2023
Days on market
2
Fast-moving
Redfin, through September 2023
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$46,500
Home costs 5.1x income
U.S. Census ACS, 2023
Sale-to-list ratio
102.6%
Selling above asking
Redfin, through September 2023
Zillow figures refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Cross Keys a buyer's or seller's market?
Cross Keys, PA is a seller's market and homes selling in about 2 days. We classify markets from months of supply, sale-to-list ratio and days on market together — no single number decides it.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Cross Keys housing market data show?
Every row below is Redfin's final published month for Cross Keys, PA. Redfin, through September 2023
| Metric | Value |
|---|---|
| Median sale price | $235,000 |
| Median price per sq ft | $117/sq ft |
| Median days on market | 2 days |
| Sale-to-list price ratio | 102.6% |
| Homes sold (that month) | 1 |
| Market condition | Seller's market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Cross Keys is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Cross Keys is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Cross Keys home prices moved?
We hold fewer than three months of sale history for Cross Keys, PA, which is not enough to draw a trend line without misleading you. The Zillow value figures above are the current read for this city.
Get Cross Keys market alerts
Weekly updates on prices, inventory, and trends. Free forever.
What does it cost to buy a home in Cross Keys?
Priced off the median sale price of $235,000 at the current 7.03% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $47,000 | $188,000 | $1,255/mo |
| 5% | $11,750 | $223,250 | $1,490/mo |
Redfin, through September 2023 for the price · Freddie Mac via FRED, September 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $1,255, that implies roughly $53,767 a year before you add taxes and insurance. The median household in Cross Keys earns $46,500, about $7,267 short of that threshold — the typical local household needs a larger down payment, a co-borrower, or a home below the median sale price to fit the 28% rule. That puts the price-to-income ratio at 5.1x — well above the 3x that was historically considered affordable, which is why down payment size drives who can buy here.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Cross Keys in the next 12 months?
Tell us your timeline. We send the Cross Keys market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Cross Keys?
Zillow does not publish a rent index (ZORI) for Cross Keys, PA, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in Cross Keys?
We hold fewer than two months of inventory readings for Cross Keys, PA, so there is no trend to report yet.
How does Cross Keys compare to Pennsylvania and the U.S.?
Cross Keys homes sell for $235,000 — 29% below the Pennsylvania median of $330,200. Against the national median of $410,700, Cross Keys runs 43% lower.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Cross Keys, PA | $235,000 | not published | 2 days |
| Pennsylvania statewide | $330,200 | +5.3% | 30 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through September 2023 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Cross Keys
What buyers should watch
- The gap between 5% and 20% down here is $235 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 7.03%, every full point of rate change moves the payment on a $235,000 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Cross Keys listing goes under contract in 2 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 102.6% of asking. Price at the number you want and let competition do the rest.
- Comparable ZIP-level pricing inside Cross Keys varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Cross Keys
Explore homes currently listed for sale in Cross Keys, Pennsylvania across major real estate platforms.
How much do homes cost in Cross Keys by property type?
How the Cross Keys, PA market breaks down across single-family homes, condos and townhouses. Redfin, through September 2023
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $235,000 | $117/sq ft | 1 | 2 days |
Who lives in Cross Keys?
American Community Survey estimates for Cross Keys. U.S. Census ACS, 2023
Population
671
Households
268
Median income
$46,500/yr
Median age
32.9 years
Owner-occupied
36.6%
Median home value
$96,400
Median gross rent
$1,128/mo
Mean commute
26.1 min
36.6% of occupied homes in Cross Keys are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market.
Which cities are near Cross Keys, PA?
Ordered by distance from Cross Keys, not by size. Compare Cross Keys side by side with any of them.
Cross Keys housing market FAQ
Is Cross Keys a buyer's or seller's market?
Cross Keys, PA is currently a seller's market based on the supply, pace-of-sale and sale-to-list data we hold for this city. Redfin's public market tracker last published in May 2026, so this classification will not move until a new source fills that gap.
How much do homes cost in Cross Keys?
The median sale price in the last month Redfin published was $235,000, about $117 per square foot.
Is Cross Keys cheaper than the rest of Pennsylvania?
Cross Keys's median sale price of $235,000 is 29% lower than the Pennsylvania statewide median of $330,200, and 43% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Cross Keys?
Homes in Cross Keys, PA spent a median of 2 days on market before going under contract, versus 30 days statewide. Under three weeks means well-priced listings move before most buyers can schedule a second showing. (Redfin, through May 2026.)
What income do you need to buy a home in Cross Keys?
At the current 30-year fixed rate of 7.03%, 20% down on a $235,000 home is about $1,255 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $53,767 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $46,500.
Are home prices rising in Cross Keys?
We do not hold a complete 12-month value series for Cross Keys, PA yet, so we are not going to call a direction. The price chart above shows every period we do have.
What are the cheapest ZIP codes in Cross Keys?
Cross Keys ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Cross Keys?
That depends on your timeline, not on a headline. What the data says today: Cross Keys, PA is a seller's market, the 30-year fixed rate is 7.03%. Properties Incorporated publishes the data; it does not give financial advice.
Be the brokerage on this page
1 slot per pageGet featured on Cross Keys, PA
Your logo, brokerage name, and direct link to your site — featured at the top of this page in front of every visitor researching this whole city. One brokerage, no rotation, no bidding war.
- Goes live in 24 hours
- Cancel anytime
- Do-follow backlink to your site
Keep researching Cross Keys
Nearby markets
Get the Cross Keys market brief
Get the Cross Keys, PA market brief
One email: what homes are actually clearing at around $235,000, how long they sit, which ZIPs run cheaper, and what to fix on your credit before you apply.