Commerce, Georgia.
Typical home $329,648 (+2.0% in a year), asking rent $1,592 (+0.3%). Jefferson, GA metro.
to buy the typical home at today's mortgage rate — +$1,042 (+151%) since Jan 2020.
- 1 year
- Up $6,386 +2%
- $323,262$329,648 since Sep 2025
- 5 years
- Up $81,045 +33%
- $248,603$329,648 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Commerce$1,730
- Georgia$1,727
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 12 years.
Typical home values in Commerce, GA rose 2.0% over the past year — faster than the nation's +1.2%.
Asking rents in Commerce, GA rose 0.3% over the past year — slower than the nation's +2.7%.
Owning the typical home in Commerce runs $730/mo more than renting one. The gap peaked at $772 in Jan 2025.
That is $2,322 a month against $1,592 rent: a $1,730 mortgage payment, plus $239 property tax and $353 insurance & upkeep.
Owning vs renting — Commerce
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$2,322
- Renting$1,592
- Mortgage only$1,730
Property tax · $239/mo 0.87% of value a year — the ACS 2020-2024 median bill over the median home value for Jackson County, GA
Insurance & upkeep · $353/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Commerce, Jackson County, Georgia
Commerce is a city of 7,387 people in Jackson County. Half its households earn more than $60,961 a year and half less, against $89,544 across Jackson County; 8% of its people live below the poverty line. 64% of its homes are lived in by their owners and 36% are rented. Unemployment in Jackson County was 3.1% in August 2026, and the county had 4.8% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then shops.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Commerce is a small Georgia city in Jackson County, with a younger population than much of the country and more renters than homeowners would suggest in many towns, though most homes are still lived in by their owners. Household incomes here run well below the county's, and the cost of a typical home and of renting are both considerable. Winters are mild and rarely bring snow, summers are hot, and rain falls steadily through the year.
Work. Residents work mainly in schools, hospitals and social care, in shops, in professional and business services, and in manufacturing. Commerce City Schools, Ingles Markets and SKAPS Industries are among the largest workplaces in town. A four-year degree is held by fewer adults than in much of the country, and the typical commute is a moderate one, with few people working from home.
Things to do. Close by, Hurricane Shoals Park is a protected area a short drive away, and Gresham Motorsports Park and Atlanta Dragway are race tracks, also a short drive away. Farther afield, Lake Lanier is a reservoir and The State Botanical Garden of Georgia is a botanical garden, both a longer drive away.
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- 2,771households
- 16%of adults have a degree
- 8%below the poverty line
- 24 mintypical commute
- 6%work from home
What residents work in
Employed residents by industry, from the Census survey. Jackson County had 43,619 jobs in 2025, 4.8% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 53° and lows near 31°; warmest in July, with highs near 89° and lows near 69°. About 1 inches of snow and 52 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Commerce Nnw weather station, 3 miles away (NOAA).
Largest workplaces in Commerce
- Commerce City SchoolsSchool district243FTE
- Ingles MarketsSupermarkets and other grocery stores167
- SKAPS Industries144
- Northridge Health and RehabilitationSkilled nursing facilities94
- Roper Pump CompanyPrecision turned product manufacturing85
- CommerceMail and parcel delivery32
- Globe CommunicationsAll other specialty trade contractors21
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 6 workplaces with 20 or more staff, 543 people in all. School districts come from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- DroughtRelatively high
- LightningRelatively high
- Ice stormsRelatively high
- TornadoesRelatively high
- Strong windRelatively moderate
- HailRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Commerce’s census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Jackson County and the Jefferson, GA metro.
Commerce home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Commerce$329,648
- Georgia$329,115
- United States$366,157
Sellers are cutting prices on about 1 in 3 Commerce listings — the market is cooling.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Commerce31.44%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Commerce104
New listings per month
Sellers arriving at the market.
- Commerce22
Zip codes with a Commerce address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Commerce — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Commerce
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 30529 | Commerce | 12,874 | $1,544 | $320,642 |
| 30530 | Commerce | 7,260 | — | $356,432 |