An SHS-CFSHS X-joint is fabricated by welding two square hollow section (SHS) braces to a concrete-filled square hollow section (CFSHS) chord. In this paper, the stress concentration factors (SCFs) of SHS-CFSHS X-joints are investigated through experimental tests and finite element analysis (FEA), with the hot spot stress method serving as the analytical approach. Eight specimens are designed and manufactured, with FE models built in software ANSYS. These FE models are validated against the test results. The specimens are tested under brace axial tension to determine the SCFs of the X-joints. It shows that the concrete filled in the chord effectively reduces the SCFs of the X-joints. To further explore various load conditions and the influence of the parameters, FEA is carried out and a total of 64 FE models are built. Based on the FEA results, multiple regression analysis is used to obtain the SCF formulae of SHS-CFSHS X-joints under axial tension load and in-plane bending load in the brace, respectively. Comparison and analysis of the SCF results obtained from experimental tests, the proposed formulae, and FE simulations reveal that the formulae presented in this study are both conservative and suitable for predicting SCFs.