Commerce, Texas.
Typical home $210,394 (-4.5% in a year), asking rent $1,166 (+2.2%). Dallas-Fort Worth-Arlington, TX metro.
to buy the typical home at today's mortgage rate — +$574 (+108%) since Jan 2020.
- 1 year
- Down $9,885 -4%
- $220,280$210,394 since Sep 2025
- 5 years
- Up $20,613 +11%
- $189,781$210,394 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$1,104
- Texas$1,556
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 34 years.
Typical home values in Commerce, TX fell 4.5% over the past year — slower than the nation's +1.2%.
Asking rents in Commerce, TX rose 2.2% over the past year — slower than the nation's +2.7%.
Owning the typical home in Commerce runs $381/mo more than renting one. The gap peaked at $509 in Apr 2025.
That is $1,547 a month against $1,166 rent: a $1,104 mortgage payment, plus $218 property tax and $225 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$1,547
- Renting$1,166
- Mortgage only$1,104
Property tax · $218/mo 1.24% of value a year — the ACS 2020-2024 median bill over the median home value for Hunt County, TX
Insurance & upkeep · $225/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, Hunt County, Texas
Commerce is a city of 9,090 people in Hunt County. Half its households earn more than $44,386 a year and half less, against $71,938 across Hunt County; 23% of its people live below the poverty line. 42% of its homes are lived in by their owners and 58% are rented. Unemployment in Hunt County was 4.6% in August 2026, and the county had 1.2% more jobs in 2025 than the year before. The most residents work in schools and health care, then restaurants and hotels.
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 Hunt County, and it is a young town: people here are much younger than in most places, which fits a university community. Incomes run well below the county's, and more people live below the poverty line than you might expect, while more households rent than own their homes. Fewer adults hold a four-year degree than you might guess for a college town.
Work. Many residents work in schools, hospitals and social care, followed by restaurants, hotels and entertainment, shops, and manufacturing. Among the largest workplaces in Commerce are Texas A & M University-Commerce, Walmart and Brookshire's. Most people have a fairly short commute, and only a small number work from home.
Things to do. Memorial Stadium is a stadium in or beside town. A longer drive away are Lake Tawakoni, a reservoir, and Lake Tawakoni State Park, a protected area on its shores. The Audie Murphy American Cotton Museum is another trip of a longer drive. Winters are mild with little or no snow, and summers are very hot, so outdoor days are best planned around the seasons.
Report a mistake
- 3,106households
- 30%of adults have a degree
- 23%below the poverty line
- 20 mintypical commute
- 8%work from home
What residents work in
Employed residents by industry, from the Census survey. Hunt County had 33,372 jobs in 2025, 1.2% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 58° and lows near 33°; warmest in August, with highs near 98° and lows near 73°. About 47 inches of rain a year, and little or no snow.
Average daily high and low, 1991–2020, at the Greenville Kgvl Radio weather station, 13 miles away (NOAA).
Largest workplaces in Commerce
- Texas A & M University-CommerceUniversity or college1,398
- WalmartWarehouse clubs and supercenters208
- Brookshire'sSupermarkets and other grocery retailers69
- Compass Group67
- Solar 76Inverters, solid-state, manufacturing55
- Randolph D and L CompanyConcrete products, precast, manufacturing32
- CommerceMail and parcel delivery21
- Sodexo at Texas AM Univ CommerceFood service contractors21
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 9 workplaces with 20 or more staff, 513 people in all. Colleges come from IPEDS (NCES, 2023–24). 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
- TornadoesVery high
- Ice stormsVery high
- HailRelatively high
- Heat wavesRelatively high
- Cold wavesRelatively high
- Strong windRelatively 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 Hunt County and the Dallas-Fort Worth-Arlington, TX 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$210,394
- Texas$296,424
- United States$366,157
Sellers are cutting prices on about 1 in 4 Commerce listings — the market is heating up.
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.
- Commerce28.18%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Commerce78
New listings per month
Sellers arriving at the market.
- Commerce13
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.