In Commerce, a typical home is worth $161,600 and typical rent is $909 a month. Compared with all of Hunt County, typical household income is 38% lower, the typical home value is 33% lower, and the share of households that own their home is 30 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $189,781 to $210,394.
Typical rent
$1,166a month
▲ 2.2% more than 12 months ago
Typical rent from Zillow, June 2025 to September 2026: from $1,174 to $1,166.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Commerce is in Hunt County. The FHA loan limit ($563,500 for a one-unit home), the fair market rents and the help on this page are those of all of Hunt County. See the county
What this place has that others do not, from public data, most unusual first.
1
42% of households in Commerce own their home, against 71% in Hunt County.
2
The typical household income in Commerce is $44,386,38% less than in Hunt County as a whole ($71,938).
3
The typical home in Commerce is worth $161,600,33% less than in Hunt County as a whole ($241,700).
4
The typical rent in Commerce is $909 a month, 26% less than in Hunt County as a whole ($1,222).
5
According to Zillow, in the 12 months to September 2026 the typical home value in Commerce fell 4.5%; in Texas, it fell 1.4%.
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
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
Hunt County
Texas
United States
Kind of home: Commerce and its comparisons
Measure
Commerce
Hunt County
Texas
United States
Detached house
50%
69%
64%
61%
Attached house
Unreliable estimate
1%
3%
6%
Building of 2 to 4
12%
4%
5%
8%
Apartments (5 or more)
Unreliable estimate
10%
21%
19%
Mobile home
5%
16%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Commerce, 5 in 10 homes are single-family detached houses; in Hunt County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or later
Commerce
Hunt County
Texas
United States
Year built: Commerce and its comparisons
Measure
Commerce
Hunt County
Texas
United States
Before 1960
14%
10%
12%
26%
1960–1979
45%
25%
21%
24%
1980–1999
16%
29%
28%
25%
2000–2009
20%
15%
18%
14%
2010 or later
7%
22%
21%
11%
The typical home in Commerce was built in 1976, 14 years before the typical one in Hunt County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K19%
$100K–$200K53%
$200K–$300K19%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Commerce and its comparisons
Measure
Commerce
Under $100K
19%
$100K–$200K
53%
$200K–$300K
19%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99957%
$1,000–$1,49920%
$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 estimate
$500–$999
57%
$1,000–$1,499
20%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,549 a month
Hunt County: $1,815 a month
Without a mortgage
$459 a month
Hunt County: $673 a month
Owners with a mortgage
37%
Hunt County: 50%
In Commerce, 37% of owners have a mortgage, and their typical cost is $1,549 a month, against $1,815 in Hunt County. Without one it drops to $459.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Commerce+128%
Hunt County+96%
Texas+65%
United States+53%
Typical rent
Commerce+11%
Hunt County+36%
Texas+34%
United States+33%
Typical household income
Commerce+58%
Hunt County+31%
Texas+27%
United States+29%
Change since 2015–2019: Commerce and its comparisons
Measure
Commerce
Hunt County
Texas
United States
Typical home value
+128%
+96%
+65%
+53%
Typical rent
+11%
+36%
+34%
+33%
Typical household income
+58%
+31%
+27%
+29%
Since 2015–2019, homes in Commerce gained value faster than in Hunt County: 128% against 96%.
Rents in Commerce rose more slowly than in Hunt County: 11% since 2015–2019, against 36%.
To compare: typical income in Commerce rose 58%; the home, +128%; the rent, +11%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Commerce and its comparisons
Measure
Commerce
Hunt County
Texas
United States
Rental vacancy
Unreliable estimate
7.7%
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
2.4%
1.1%
0.9%
More than one person per room
Unreliable estimate
5.1%
4.8%
3.4%
People per household
2.24
2.74
2.69
2.53
Drive alone
64%
76%
71%
69%
Carpool
10%
9%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
16%
3%
2%
3%
Work from home
8%
10%
14%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Households in Commerce are smaller: 2.24 people on average; in Hunt County, 2.74.
Many here get to work on foot or by bike: 16%, more than in Hunt County (3%).
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 $161,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 38% of the typical household income in Commerce, which is $44,386 a year. For that payment to be 28% of income, a household would need to earn about $60,904 a year.
The calculator's FHA and conventional loan limits are those of all of Hunt 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 $5,656 (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
$1,421
at 7.18% · 30 years
Loan amount
$158,673
Total interest
$228,293
Paid off in
November 2056
Includes $2,729 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,036 a month
Tight
$1,036 to $1,332 a month
Hard
more than $1,332 a month
Your payment · 38%
Compared with the typical household income in Commerce ($44,386 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,075
Property tax
$207
Home insurance
$67
FHA mortgage insurance (MIP)
$71
You need at least $5,656 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 $1,421; principal and interest $1,075.
The city and its county
Commerce and Hunt County
Commerce is in Hunt County, Texas. 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 Hunt County, Texas, with Commerce marked. Around it, the neighboring counties.
Commerce
Hunt County
Other cities with a page
Commerce's own numbers
Typical home value
$161,600
Typical monthly rent
$909
Typical yearly household income
$44,386
Households that own their home
42%
Effective property tax rate
1.54%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Hunt County
FHA limit, one-unit home
$563,500
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,807
Price change over 5 years (FHFA)
+52%
Homes in a high flood-risk zone
1.7%
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 Hunt County.
A typical home in Commerce is worth $161,600: 33% below the county and 43% below Texas. With the typical household income in Commerce ($44,386 a year), a typical home costs 3.6 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.
Commerce3.6 years
Hunt3.4 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Hunt County
According to FHFA’s house price index, home prices in Hunt County rose 123% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Hunt County.
Yearly change in FHFA’s price index in Hunt County, 2016 to 2025
2016: +9.5% +9.5% 2016
2017: +10.0% +10.0% 2017
2018: +9.8% +9.8% 2018
2019: +4.6% +4.6% 2019
2020: +5.8% +5.8% 2020
2021: +13.3% +13.3% 2021
2022: +23.8% +23.8% 2022
2023: +3.7% +3.7% 2023
2024: +4.2% +4.2% 2024
2025: +0.3% +0.3% 2025
Change in FHFA’s price index in Hunt County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
+0.3%
+0.8%
+2.9%
5 years (2020–2025)
+52%
+44%
+47%
10 years (2015–2025)
+123%
+88%
+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 Hunt County, Texas and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Commerce$161,600
Hunt$241,700
Texas$283,800
United States$332,700
Typical monthly rent
Commerce$909
Hunt$1,222
Texas$1,403
United States$1,413
Typical yearly household income
Commerce$44,386
Hunt$71,938
Texas$78,476
United States$80,734
See the full table
Commerce next to Hunt County and Texas
Measure
Commerce
Hunt County
Texas
U.S.
Typical home value
$161,600 ▼33% below the county
$241,700
$283,800
$332,700
Typical monthly rent
$909 ▼26% below the county
$1,222
$1,403
$1,413
Typical yearly household income
$44,386 ▼38% below the county
$71,938
$78,476
$80,734
Households that own their home
42% ▼30 points below the county
71%
63%
65%
Typical yearly property tax
$2,495 ▼17% below the county
$3,002
$4,232
$3,119
Effective property tax rate
1.54% ▲0.3 points above the county
1.24%
1.49%
0.94%
Renters with high rent for their income
55% ▲5 points above the county
50%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Hunt 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 $161,600 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$1,421a month
Least cash to close
Down payment
$5,656
Cash to close
$10,504
Rate
7.18%
Mortgage insurance
FHA MIP · $71
Conventional, 5% down$1,391a month
Down payment
$8,080
Cash to close
$12,928
Rate
7.18%
Mortgage insurance
PMI · $77
Conventional, 20% down, no PMI$1,151a month
Down payment
$32,320
Cash to close
$37,168
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,300a month
Down payment
$24,240
Cash to close
$29,088
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
$1,421
$5,656
$158,673
7.18%
FHA MIP · $71
$10,504
580
Conventional, 5% down
$1,391
$8,080
$153,520
7.18%
PMI · $77
$12,928
620*
Conventional, 20% down, no PMI
$1,151
$32,320
$129,280
7.18%
None
$37,168
620*
ITIN, 15% down (example)
$1,300
$24,240
$137,360
8.18%
None
$29,088
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 $909 a month: 26% 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 Hunt County, by unit size. To pay the 2-bedroom one ($1,807 a month) without spending more than 30% of your income, you would need to earn $34.75 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 Hunt County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,491
$28.67
$59,640
1 bedroom
$1,536
$29.54
$61,440
2 bedrooms
$1,807
$34.75
$72,280
3 bedrooms
$2,275
$43.75
$91,000
4 bedrooms
$2,892
$55.62
$115,680
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 75428.
For 2 bedrooms it is $1,120: $687 less than the fair market rent for Hunt County ($1,807).
Fair market rent by ZIP code and size in Commerce, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
75428
$910
$950
$1,120
$1,410
$1,790
ZIP code2 bd3 bd
75428 $1,120$1,410
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 3 buildings with rents for lower incomes in Commerce. These are the largest.
Tarter Apts101A Sunrise St, Commerce 75428192 low-income homes · Run by Housing Authority of Commerce · Average payment: $346 a month · Average wait: 25 months(903) 886-2946
Churchill at Commerce731 Culver St, Commerce 75428100 homes, 90 low-income · 1 bd: 24 · 2 bd: 42 · 3 bd: 34 · In service since 2006
Oak Meadows Townhomes150 Maple St, Commerce 7542872 homes, 71 low-income · 1 bd: 18 · 2 bd: 32 · 3 bd: 22 · In service since 1999
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 Hunt 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 Hunt County. The ones below are statewide in Texas: they work in Commerce the same as in the rest of the state.
Texas state program for first-time buyers: a 30-year mortgage with down payment assistance.Offered by Texas Department of Housing and Community Affairs (TDHCA).
Texas state program with down payment assistance for any buyer, not only first-time buyers.Offered by Texas Department of Housing and Community Affairs (TDHCA).
Texas state certificate that turns part of your mortgage interest into a credit on your federal tax return.Offered by Texas Department of Housing and Community Affairs (TDHCA).
No legal help resource on our list is for Commerce or Hunt 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 Hunt 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 $161,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Hunt County it is $241,700.
How much does it cost to rent in Commerce?
Typical rent in Commerce is $909 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Hunt County is $1,807.
What is the FHA loan limit in Commerce?
Commerce uses the FHA limit for all of Hunt County (2026): $563,500 for a one-unit home and $1,083,650 for a four-unit home.
How much property tax do owners pay in Commerce?
The typical homeowner in Commerce pays $2,495 a year, according to the U.S. Census Bureau. That is 1.54% of the home’s value; in Hunt County, the rate is 1.24%.
Where can I find free help to buy or rent in Commerce?
We found no HUD-approved counseling agencies with an office in Hunt County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
