In Commerce, a typical home is worth $239,900 and typical rent is $1,183 a month. Compared with all of Jackson County, typical household income is 32% lower, the typical home value is 30% lower, and the share of households that own their home is 15 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $248,603 to $329,648.
Typical rent
$1,592a month
= about the same as 12 months ago
Typical rent from Zillow, December 2024 to September 2026: from $1,500 to $1,592.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Commerce is in Jackson County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Jackson County. See the county
What this place has that others do not, from public data, most unusual first.
1
The typical household income in Commerce is $60,961,32% less than in Jackson County as a whole ($89,544).
2
64% of households in Commerce own their home, against 79% in Jackson County.
3
The typical home in Commerce is worth $239,900,30% less than in Jackson County as a whole ($345,000).
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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Commerce
Jackson County
Georgia
United States
Kind of home: Commerce and its comparisons
Measure
Commerce
Jackson County
Georgia
United States
Detached house
79%
82%
66%
61%
Attached house
Unreliable estimate
Unreliable estimate
4%
6%
Building of 2 to 4
Unreliable estimate
1%
5%
8%
Apartments (5 or more)
Unreliable estimate
4%
16%
19%
Mobile home
Unreliable estimate
12%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Commerce, 8 in 10 homes are single-family detached houses, about the same as in Jackson County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Commerce
Jackson County
Georgia
United States
Year built: Commerce and its comparisons
Measure
Commerce
Jackson County
Georgia
United States
Before 1960
17%
6%
12%
26%
1960–1979
23%
11%
20%
24%
1980–1999
26%
25%
33%
25%
2000–2009
21%
30%
21%
14%
2010 or later
14%
27%
14%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300K45%
$300K–$500K28%
$500K–$750K6%
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Commerce and its comparisons
Measure
Commerce
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
45%
$300K–$500K
28%
$500K–$750K
6%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49953%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Commerce and its comparisons
Measure
Commerce
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
53%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
With a mortgage
$1,420 a month
Jackson County: $1,865 a month
Without a mortgage
$532 a month
Jackson County: $588 a month
Owners with a mortgage
59%
Jackson County: 67%
In Commerce, 59% of owners have a mortgage, and their typical cost is $1,420 a month, against $1,865 in Jackson County. Without one it drops to $532.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Commerce+106%
Jackson County+82%
Georgia+72%
United States+53%
Typical rent
Commerce+50%
Jackson County+37%
Georgia+39%
United States+33%
Typical household income
Commerce+30%
Jackson County+37%
Georgia+32%
United States+29%
Change since 2015–2019: Commerce and its comparisons
Measure
Commerce
Jackson County
Georgia
United States
Typical home value
+106%
+82%
+72%
+53%
Typical rent
+50%
+37%
+39%
+33%
Typical household income
+30%
+37%
+32%
+29%
Since 2015–2019, homes in Commerce gained value faster than in Jackson County: 106% against 82%.
Rents in Commerce rose faster than in Jackson County: 50% since 2015–2019, against 37%.
Here income did not keep up with housing: it rose 30%, while home values changed +106% and rent +50%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Commerce and its comparisons
Measure
Commerce
Jackson County
Georgia
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
6.8%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.1%
0.9%
More than one person per room
Unreliable estimate
2.3%
2.4%
3.4%
People per household
2.82
2.96
2.62
2.53
Drive alone
85%
77%
71%
69%
Carpool
8%
8%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
1%
1%
3%
Work from home
Unreliable estimate
12%
16%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
Much as in Jackson County, a household in Commerce has 2.82 people on average.
To get to work, 85% of workers in Commerce drive alone; in Jackson County, 77%.
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 $239,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 39% of the typical household income in Commerce, which is $60,961 a year. For that payment to be 28% of income, a household would need to earn about $85,102 a year.
The calculator's FHA and conventional loan limits are those of all of Jackson County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Commerce. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $8,397 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,986
at 7.18% · 30 years
Loan amount
$235,554
Total interest
$338,907
Paid off in
November 2056
Includes $4,051 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,422 a month
Tight
$1,422 to $1,829 a month
Hard
more than $1,829 a month
Your payment · 39%
Compared with the typical household income in Commerce ($60,961 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,596
Property tax
$184
Home insurance
$100
FHA mortgage insurance (MIP)
$106
You need at least $8,397 for the down payment, plus closing costs.
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.
Total monthly payment $1,986; principal and interest $1,596.
The city and its county
Commerce and Jackson County
Commerce is in Jackson County, Georgia. 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
Map of Jackson County, Georgia, with Commerce marked. Around it, the neighboring counties.
Commerce
Jackson County
Other cities with a page
Commerce's own numbers
Typical home value
$239,900
Typical monthly rent
$1,183
Typical yearly household income
$60,961
Households that own their home
64%
Effective property tax rate
0.92%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Jackson County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,205
Price change over 5 years (FHFA)
+72%
Homes in a high flood-risk zone
0.3%
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 Jackson County.
A typical home in Commerce is worth $239,900: 30% below the county and 21% below Georgia. With the typical household income in Commerce ($60,961 a year), a typical home costs 3.9 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.
Commerce3.9 years
Jackson3.9 years
Georgia3.9 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Jackson County
According to FHFA’s house price index, home prices in Jackson County rose 135% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Jackson County.
Yearly change in FHFA’s price index in Jackson County, 2016 to 2025
2016: +6.0% +6.0% 2016
2017: +6.8% +6.8% 2017
2018: +9.4% +9.4% 2018
2019: +5.8% +5.8% 2019
2020: +4.5% +4.5% 2020
2021: +15.8% +15.8% 2021
2022: +21.4% +21.4% 2022
2023: +8.3% +8.3% 2023
2024: +8.4% +8.4% 2024
2025: +3.9% +3.9% 2025
Change in FHFA’s price index in Jackson County, Georgia and the United States
Period
County
Georgia
U.S.
Last year (2025)
+3.9%
+2.2%
+2.9%
5 years (2020–2025)
+72%
+58%
+47%
10 years (2015–2025)
+135%
+110%
+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 Jackson County, Georgia and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Commerce$239,900
Jackson$345,000
Georgia$303,300
United States$332,700
Typical monthly rent
Commerce$1,183
Jackson$1,126
Georgia$1,393
United States$1,413
Typical yearly household income
Commerce$60,961
Jackson$89,544
Georgia$77,353
United States$80,734
See the full table
Commerce next to Jackson County and Georgia
Measure
Commerce
Jackson County
Georgia
U.S.
Typical home value
$239,900 ▼30% below the county
$345,000
$303,300
$332,700
Typical monthly rent
$1,183 ▲5% above the county
$1,126
$1,393
$1,413
Typical yearly household income
$60,961 ▼32% below the county
$89,544
$77,353
$80,734
Households that own their home
64% ▼15 points below the county
79%
66%
65%
Typical yearly property tax
$2,218 ▼26% below the county
$3,000
$2,341
$3,119
Effective property tax rate
0.92% ▲0.05 points above the county
0.87%
0.77%
0.94%
Renters with high rent for their income
53% ▲12 points above the county
41%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Jackson 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 $239,900 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$1,986a month
Least cash to close
Down payment
$8,397
Cash to close
$15,594
Rate
7.18%
Mortgage insurance
FHA MIP · $106
Conventional, 5% down$1,942a month
Down payment
$11,995
Cash to close
$19,192
Rate
7.18%
Mortgage insurance
PMI · $114
Conventional, 20% down, no PMI$1,584a month
Down payment
$47,980
Cash to close
$55,177
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,806a month
Down payment
$35,985
Cash to close
$43,182
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Commerce
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,986
$8,397
$235,555
7.18%
FHA MIP · $106
$15,594
580
Conventional, 5% down
$1,942
$11,995
$227,905
7.18%
PMI · $114
$19,192
620*
Conventional, 20% down, no PMI
$1,584
$47,980
$191,920
7.18%
None
$55,177
620*
ITIN, 15% down (example)
$1,806
$35,985
$203,915
8.18%
None
$43,182
Set by the lender
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.
Typical rent in Commerce is $1,183 a month: 5% above the county. In Commerce, 53% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Jackson County, by unit size. To pay the 2-bedroom one ($1,205 a month) without spending more than 30% of your income, you would need to earn $23.17 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Jackson County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$993
$19.10
$39,720
1 bedroom
$1,041
$20.02
$41,640
2 bedrooms
$1,205
$23.17
$48,200
3 bedrooms
$1,438
$27.65
$57,520
4 bedrooms
$2,014
$38.73
$80,560
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 30529.
For 2 bedrooms it is $1,200: $5 less than the fair market rent for Jackson County ($1,205).
Fair market rent by ZIP code and size in Commerce, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
30529
$990
$1,040
$1,200
$1,440
$1,980
ZIP code2 bd3 bd
30529 $1,200$1,440
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 5 buildings with rents for lower incomes in Commerce. These are the largest.
Willoughby Homes112 Willoughby Homes, Commerce 3052950 low-income homes · Run by Housing Authority of the City of Commerce · Average payment: $403 a month · Average wait: 11 months(706) 335-3611
Jackson Hills Apartments110 B Wilson Rd, Commerce 3052948 low-income homes · For families(706) 335-6714
Heritage Crossing100 Crossing Pl, Commerce 30529118 homes · 1 bd: 9 · 2 bd: 58 · 3 bd: 29 · In service since 2002
Heritage Hills Apartments100 Heritage Hills Dr, Commerce 3052980 homes · In service since 2000
Mason Manor300 Mason Manor Pl, Commerce 3052948 homes · In service since 2016
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.
We found no HUD-approved agencies with an office in Jackson County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Commerce or Jackson County. The ones below are statewide in Georgia: they work in Commerce the same as in the rest of the state.
Georgia state program for first-time buyers: a mortgage with down payment assistance of up to 5% of the price or $10,000, as a 0% second mortgage with no monthly payments.Offered by Georgia Department of Community Affairs.
FHA or VA mortgage from the Georgia Dream program with down payment assistance of 3.5% of the price (up to $10,000), or 4% (up to $12,500) for police officers, educators, health care workers, military members or families with a person with a disability; no first-time buyer requirement.Offered by Georgia Department of Community Affairs.
No legal help resource on our list is for Commerce or Jackson County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Commerce and all of Jackson 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 $239,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Jackson County it is $345,000.
How much does it cost to rent in Commerce?
Typical rent in Commerce is $1,183 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Jackson County is $1,205.
What is the FHA loan limit in Commerce?
Commerce uses the FHA limit for all of Jackson County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Commerce?
The typical homeowner in Commerce pays $2,218 a year, according to the U.S. Census Bureau. That is 0.92% of the home’s value; in Jackson County, the rate is 0.87%.
Where can I find free help to buy or rent in Commerce?
We found no HUD-approved counseling agencies with an office in Jackson County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
