HomeTexasDenton CountyCross Roads
Cross Roads, Texas: commercial real estate data.
Cross Roads is a Census town of 2,035 people across 6.75 square miles of land, in Denton County. Median household income is $124,145, 86.4 percent of occupied homes are owned, and the SBA record carries 9 7(a) approvals to borrowers here worth $5.5 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Cross Roads
What Cross Roads is
- Census place typetown
- Land area6.75 sq mi
- Water area0.07 sq mi
- Population per square mile of land301
- County holding the largest share of its areaDenton County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cross Roads
How many people live in Cross Roads
- Population2,035
- Median age42.3
- Population under 18445 plus or minus 125
- Share under 1821.9 percent plus or minus 4.5
- Population 65 and over286 plus or minus 66
- Share 65 and over14.1 percent
- Households711
- Family households569 plus or minus 116
- Share of households that are families80.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cross Roads
Income and work in Cross Roads
- Median household income$124,145
- Per capita income$55,222
- Civilian labor force1,090 plus or minus 227
- Employed980 plus or minus 200
- Unemployed110 plus or minus 67
- Unemployment rate10.1 percent plus or minus 5.8
- Adults 25 and over1,506
- Adults 25 and over with a high school diploma or higher94.7 percent plus or minus 22.4
- Adults 25 and over with a bachelor degree or higher47.9 percent
- Adults 25 and over with a graduate degree16.1 percent plus or minus 5.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cross Roads
Housing in Cross Roads
- Housing units768
- Occupied units711
- Vacant units57 plus or minus 41
- Vacancy rate7.4 percent plus or minus 5.1
- Owner occupied614
- Renter occupied97 plus or minus 67
- Ownership rate86.4 percent plus or minus 22.9
- Median owner-occupied home value$632,300
- Median gross rent, monthly$1,750 plus or minus $813
- Annual rent as a share of median income16.9 percent plus or minus 8.1
- Single family units717
- Share single family93.4 percent plus or minus 24.5
- Units in buildings of two or more35 plus or minus 54
- Share in buildings of two or more4.6 percent plus or minus 6.9
- Mobile homes16 plus or minus 14
- Median year structure built2012
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cross Roads
How Cross Roads gets to work
- Workers 16 and over who commute684 plus or minus 159
- Commuting under 15 minutes66 plus or minus 40
- Share commuting under 15 minutes9.6 percent plus or minus 5.4
- Commuting 30 minutes or more500 plus or minus 118
- Share commuting 30 minutes or more73.1 percent
- Drove alone59.9 percent
- Carpooled7.9 percent plus or minus 5.3
- Public transport0.0 percent
- Walked1.3 percent plus or minus 1.8
- Worked from home29.0 percent plus or minus 8.9
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cross Roads
SBA loans in Cross Roads (7(a))
- Approvals9
- Gross approval$5,482,200
- Average approval$609,133
- Median approval$599,000
- Largest approval$1,586,000
- Jobs supported113
- Jobs per approval12.6
- Loans with a final outcome3
- Paid in full3
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more22.2 percent
- Share to franchises11.1 percent
- Distinct lenders8
- Distinct industries by NAICS8
Counted by borrower city: approvals to borrowers whose address is in Cross Roads, in any county, FY2020 to FY2026. Only 3 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Cross Roads
SBA loans in Cross Roads (504)
- Approvals3
- Gross approval$3,371,000
- Average approval$1,123,667
- Median approval$1,026,000
- Largest approval$1,872,000
- Jobs supported24
- Loans with a final outcome0
- Charged off0
- Median term240 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Cross Roads, in any county, FY2010 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Cross Roads
Flood risk in Cross Roads
- NFIP communityTown of Cross Roads
- NFIP community number481513
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date04/18/11
The Town of Cross Roads participates in the National Flood Insurance Program as community 481513 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Denton County, not Cross Roads
Denton County context, not Cross Roads figures
- Establishments in Denton County20,025
- Covered employment, Denton County313,782
- Average annual pay, Denton County$65,626
- Housing units permitted, Denton County10,507
Every figure in this section is published for Denton County as a whole and is not a measurement of Cross Roads.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Cross Roads questions, answered from the record.
How many people live in Cross Roads, Texas?
2,035, in 711 households. Cross Roads town covers 6.75 square miles of land, which is 301 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Cross Roads in?
Denton County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Cross Roads?
$124,145. The median owner-occupied home is valued at $632,300. Median gross rent is $1,750 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Cross Roads businesses?
9 7(a) approvals totaling $5.5 m since FY2020, across 8 lenders, median approval $599,000, plus 3 504 approvals worth $3.4 m since FY2010. These count approvals to borrowers whose address is in Cross Roads, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Cross Roads borrowers get paid back?
No rate is published for Cross Roads. Only 3 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Cross Roads in the National Flood Insurance Program?
Yes. Cross Roads appears in the FEMA Community Status Book as Cross Roads, town of, community 481513, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Cross Roads figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Denton County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Cross Roads.
Is zoning published for Cross Roads?
No. Nothing on this page presents parcel level zoning.