Commerce, Oklahoma.
Typical home $70,489 (-2.0% in a year). Miami, OK metro.
to buy the typical home at today's mortgage rate — +$187 (+102%) since Jan 2020.
- 1 year
- Down $1,453 -2%
- $71,942$70,489 since Sep 2025
- 5 years
- Up $10,296 +17%
- $60,193$70,489 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$370
- Oklahoma$1,159
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 22 years.
Typical home values in Commerce, OK fell 2.0% over the past year — slower than the nation's +1.2%.
Living in Commerce, Ottawa County, Oklahoma
Commerce is a city of 2,271 people in Ottawa County. Half its households earn more than $34,817 a year and half less, against $49,947 across Ottawa County; 35% of its people live below the poverty line. 64% of its homes are lived in by their owners and 36% are rented. Unemployment in Ottawa County was 4.3% in August 2026, and the county had 0.3% fewer jobs in 2025 than the year before. The most residents work in manufacturing, then schools and health care.
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 It can be wrong or out of date.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 city in Ottawa County with a young population for a US town, and a median age well below what many older communities see. Incomes here run below the county's, and a good share of residents live below the poverty line. Most homes are lived in by their owners, and the typical home value is modest. Winters are cold, with January the coldest month, while summers turn hot, and August is the warmest.
Work. Residents work mainly in manufacturing, in schools, hospitals and social care, in restaurants, hotels and entertainment, and in shops. Few adults hold a four-year degree, and very few work from home, so most people travel to a job, though the typical commute is short. Across Ottawa County, some of the largest workplaces are Walmart, Integris Miami Hospital and Miami Schools.
Things to do. The Coleman Theatre is a theatre a short drive away. Fort Baxter, a fort, and Warren Branch, a small river, are also a short drive away. For a longer outing, Grand Lake o' the Cherokees is a reservoir a longer drive away.
Report a mistake
- 840households
- 8%of adults have a degree
- 35%below the poverty line
- 16 mintypical commute
- 3%work from home
What residents work in
Employed residents by industry, from the Census survey. Ottawa County had 12,894 jobs in 2025, 0.3% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 47° and lows near 24°; warmest in August, with highs near 92° and lows near 68°.
Average daily high and low, 1991–2020, at the Miami weather station, 4 miles away (NOAA).
Largest workplaces in Ottawa County
- WalmartWarehouse clubs and supercenters323
- Bagcraft Packaging-Baxter SpringsBags, coated paper, made from purchased paper297
- Miami SchoolsSchool district282FTE
- Northeastern Oklahoma A&M CollegeTwo-year college224
- Integris Miami HospitalGeneral hospital217FTE
- Newell CoachMotor homes, self-contained, mounted on heavy truck chassis of own manufacture199
- 1. J-M FarmsMushroom farming195
- Northeastern Tribal Health SystemClinics/centers of health practitioners from more than one industry practicing within the same establishment163
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 28 workplaces with 20 or more staff, 2,766 people in all across the county; Commerce has one of its own. School districts come from the Common Core of Data (NCES, 2023–24), colleges from IPEDS (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); 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
- Ice stormsVery high
- Strong windVery high
- DroughtRelatively high
- Heat wavesRelatively high
- Winter weatherRelatively high
- TornadoesRelatively high
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 moderate. 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 Ottawa County and the Miami, OK 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$70,489
- Oklahoma$220,801
- United States$366,157
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
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Commerce6
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.