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City · 11,993 residents · Los Angeles County, California

Commerce , California

In Commerce, a typical home is worth $598,700 and typical rent is $1,549 a month. Compared with all of Los Angeles County, the typical home value is 28% lower, typical rent is 21% lower, and the share of households that own their home is 9 points higher.

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  • Typical home value

    $598,700

    28% below the county

    19% below California

    • Commerce
    • Los Angeles
    • California

  • Typical rent

    $1,549a month

    21% below the county

    24% below California

    • Commerce
    • Los Angeles
    • California

  • Typical household income

    $77,064a year

    14% below the county

    22% below California

    • Commerce
    • Los Angeles
    • California

  • Households that own their home

    55%

    9 points above the county

    1 points below California

    • Commerce
    • Los Angeles
    • California

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$694,535
1.7% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Commerce is in Los Angeles County. The FHA loan limit ($1,249,125 for a one-unit home), the fair market rents and the help on this page are those of all of Los Angeles County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Commerce apart

What this place has that others do not, from public data, most unusual first.

  1. The typical home in Commerce is worth $598,700, 28% less than in Los Angeles County as a whole ($834,200).

  2. The typical rent in Commerce is $1,549 a month, 21% less than in Los Angeles County as a whole ($1,954).

  3. 55% of households in Commerce own their home, against 46% in Los Angeles County.

  4. 13% of households in Commerce have no internet at home (5% in Los Angeles County).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Commerce

What homes there are in Commerce, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Commerce, 6 in 10 homes are single-family detached houses; in Los Angeles County, 5.

Year built

The typical home in Commerce was built in 1957, 8 years before the typical one in Los Angeles County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$2,082 a month

Los Angeles County: $3,160 a month

Without a mortgage

$484 a month

Los Angeles County: $843 a month

Owners with a mortgage

58%

Los Angeles County: 68%

The typical cost for an owner with a mortgage in Commerce is $2,082 a month, less than in Los Angeles County ($3,160); without one, $484.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, home values in Commerce rose at about the same pace as in Los Angeles County: 46% against 43%.

Rents in Commerce rose at about the same pace as in Los Angeles County: 36% since 2015–2019, against 34%.

Income in Commerce grew faster than housing: it rose 62%, while home values changed +46% and rent +36%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureCommerceLos Angeles CountyCaliforniaUnited States
Rental vacancy Unreliable estimate4.0%4.2%5.5%
Homeowner vacancy Unreliable estimate0.7%0.8%0.9%
More than one person per room 21.5%10.9%8.2%3.4%
People per household 3.602.812.842.53
Drive alone 70%65%66%69%
Carpool 7%9%10%9%
Public transit Unreliable estimate4%3%3%
Walk or bike Unreliable estimate3%3%3%
Work from home 9%17%17%15%
Other means 6%2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Commerce, 21.5% of households live with more than one person per room, against 10.9% in Los Angeles County.

More people live in each home here: 3.60 on average, against 2.81 in Los Angeles County.

To get to work, 70% of workers in Commerce drive alone; in Los Angeles County, 65%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Commerce?

A typical home costs more than the typical income allows

We start with a typical home in Commerce, worth $598,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 75% of the typical household income in Commerce, which is $77,064 a year. For that payment to be 28% of income, a household would need to earn about $206,610 a year.

The calculator's FHA and conventional loan limits are those of all of Los Angeles County.

Your numbers

Local data
$

Starts at the typical home value in Commerce. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $20,955 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$4,821

at 7.18% · 30 years

Loan amount
$587,856
Total interest
$845,786
Paid off in
November 2056

Includes $10,111 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,798 a month

  • Tight

    $1,798 to $2,312 a month

  • Hard

    more than $2,312 a month

    Your payment · 75%

Compared with the typical household income in Commerce ($77,064 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,821
Principal & interest$3,982
Property tax$324
Home insurance$250
FHA mortgage insurance (MIP)$265

You need at least $20,955 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Commerce and Los Angeles County

Commerce is in Los Angeles County, California. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Commerce's own numbers

Typical home value
$598,700
Typical monthly rent
$1,549
Typical yearly household income
$77,064
Households that own their home
55%
Effective property tax rate
0.65%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Los Angeles County

FHA limit, one-unit home
$1,249,125
Conventional limit, one unit
$1,249,125
HUD fair market rent, 2 bedrooms
$2,964
Price change over 5 years (FHFA)
+43%
Homes in a high flood-risk zone
0.5%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Los Angeles County.

Everything about Los Angeles County

Buying

Buying a home in Commerce

A typical home in Commerce is worth $598,700: 28% below the county and 19% below California. With the typical household income in Commerce ($77,064 a year), a typical home costs 7.8 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Commerce 7.8 years
  • Los Angeles 9.3 years
  • California 7.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Los Angeles County

According to FHFA’s house price index, home prices in Los Angeles County rose 87% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Los Angeles County.

Period County California U.S.
Last year (2025) +1.7% +0.8% +2.9%
5 years (2020–2025) +43% +40% +47%
10 years (2015–2025) +87% +80% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Commerce next to Los Angeles County, California and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Commerce $598,700
  • Los Angeles $834,200
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Commerce $1,549
  • Los Angeles $1,954
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Commerce $77,064
  • Los Angeles $90,112
  • California $99,122
  • United States $80,734
See the full table
Commerce next to Los Angeles County and California
Measure Commerce Los Angeles County California U.S.
Typical home value $598,700 $834,200 $734,700 $332,700
Typical monthly rent $1,549 $1,954 $2,036 $1,413
Typical yearly household income $77,064 $90,112 $99,122 $80,734
Households that own their home 55% 46% 56% 65%
Typical yearly property tax $3,915 $5,675 $5,124 $3,119
Effective property tax rate 0.65% 0.68% 0.7% 0.94%
Renters with high rent for their income 55% 58% 55% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Los Angeles County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Commerce

For a typical $598,700 home in Commerce, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Commerce's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,821a month

    Least cash to close
    Down payment
    $20,955
    Cash to close
    $38,916
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $265

  • Conventional, 5% down $4,711a month

    Down payment
    $29,935
    Cash to close
    $47,896
    Rate
    7.18%
    Mortgage insurance
    PMI · $284

  • Conventional, 20% down, no PMI $3,818a month

    Down payment
    $119,740
    Cash to close
    $137,701
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,372a month

    Down payment
    $89,805
    Cash to close
    $107,766
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Commerce and for Los Angeles County.

Property tax

Effective rate in Commerce

0.65%of the home’s value each year

$3,915 a year for the typical owner in Commerce.

  • Commerce 0.65%
  • Los Angeles 0.68%
  • California 0.7%

What California publishes Homeowners' exemption (California State Board of Equalization (BOE))

Exemptions and deadlines in California

Flood risk in Los Angeles County

FEMA does not publish these numbers by city: they are for all of Los Angeles County.

Homes in the high-risk zone
0.5%
11,989
Of those, with NFIP insurance
33%
County California U.S.
Homes in the high-risk zone 0.5% 2.8% 3.5%
Of those, with NFIP insurance 33% 31% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Commerce

Typical rent in Commerce is $1,549 a month: 21% below the county. In Commerce, 55% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Los Angeles County, by unit size. To pay the 2-bedroom one ($2,964 a month) without spending more than 30% of your income, you would need to earn $57.00 an hour working full time.

HUD fair market rent for all of Los Angeles County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $2,151 $41.37 $86,040
1 bedroom $2,402 $46.19 $96,080
2 bedrooms $2,964 $57.00 $118,560
3 bedrooms $3,760 $72.31 $150,400
4 bedrooms $4,208 $80.92 $168,320

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Commerce

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Commerce is in ZIP code 90040.

For 2 bedrooms it is $2,290: $674 less than the fair market rent for Los Angeles County ($2,964).

  • 90040 $2,290$2,910

A ZIP code counts for Commerce when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Commerce

HUD lists one building with rents for lower incomes in Commerce.

  • Rosewood Park Senior Apts 2230 S Eastern Ave, Commerce 90040 94 homes, 93 low-income · 1 bd: 73 · 2 bd: 21 · In service since 1999 · For older adults

See all 1,535 buildings in Los Angeles County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Commerce

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 17 HUD-approved agencies with an office in Los Angeles County; 13 say they serve in Spanish.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Commerce

1 program is for Commerce or Los Angeles County, by its own record: they come first, each with what its official page says about being open. The ones below are statewide in California: they work in Commerce the same as in the rest of the state.

Which programs do I qualify for? All programs in California

Housing counselors near Commerce

The HUD-approved agencies closest to the center of Commerce, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Operation Hope Inc. - South Gate Branch

    8710 Garfield Ave, South Gate · 3 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (424) 373-0854

  • Montebello Housing Development Corp.

    1619 Paramount Blvd, Montebello · 4 miles away · Spanish

    • Mortgage delinquency and default
    • Workshops for new owners
    • and 2 more
    (323) 722-3955

  • East La Community Corporation (ELACC)

    2917 E 1st St Ste 101, Los Angeles · 4 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (323) 850-8050

Every agency in Los Angeles County All counseling agencies in California

Help in Spanish near Commerce

3 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Commerce

HUD’s record names them for Commerce or Los Angeles County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Los Angeles County Development Authority Public housing and Section 8 vouchers (626) 586-1500

19 other authorities have an office in Los Angeles County: see the list Source: HUD

Cities

Other cities in Los Angeles County

These cities are also in Los Angeles County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Los Angeles County Housing in California
See 108 more cities in Los Angeles County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Commerce, with the typical home value.

Neighboring counties

If Los Angeles County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Commerce.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Commerce

Short answers with the numbers for Commerce and all of Los Angeles County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Commerce?

The typical home value in Commerce is $598,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Los Angeles County it is $834,200.

How much does it cost to rent in Commerce?

Typical rent in Commerce is $1,549 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Los Angeles County is $2,964.

What is the FHA loan limit in Commerce?

Commerce uses the FHA limit for all of Los Angeles County (2026): $1,249,125 for a one-unit home and $2,402,625 for a four-unit home.

How much property tax do owners pay in Commerce?

The typical homeowner in Commerce pays $3,915 a year, according to the U.S. Census Bureau. That is 0.65% of the home’s value; in Los Angeles County, the rate is 0.68%.

Where can I find free help to buy or rent in Commerce?

There are 17 HUD-approved counseling agencies with an office in Los Angeles County. 13 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).