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City Report · TX

Commerce

Pop. 9,383·256th most expensive in Texas·One of the most affordable rental markets in the US
Median rent (all units)
$1,173/mo
Year-over-Year
+1.1%
Month-over-Month
+7.3%
vs US Median
-$789
Rising (Monthly)
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Most AffordableMost Expensive
Commerce · $1,173
More affordable than 93% of US cities · National median $1,962/mo
Affordability
32% of income
MODERATE
0%30% benchmark60%+

At $1,173/mo, rent takes about 32% of the local median household income, slightly above the 30% benchmark.

Income to afford
$47,000/yr
Local median income
$44,386/yr
Based on the 30%-of-income rule using Commerce's median rent and household income. See the full affordability breakdown →
Medians by bedroom

Rent by unit size

Studio
$1,030
1 BR
$1,090
2 BR
$1,270
3 BR
$1,600
4 BR+
$2,050
Fair Market Rent (HUD)
$1,270/mo

These are HUD Fair Market Rents, the payment standard for a Housing Choice Voucher (Section 8). They often differ from the $1,173 market median above, and that is expected: FMR is the 40th percentile of standard-quality units and counts gross rent, so it includes essential utilities such as electricity, water, gas, sewer, and trash. The market median is asking rent, which usually excludes utilities. HUD sets FMR once a year; market rent here updates monthly.

Source: HUD Small Area Fair Market Rents. Read the methodology →

Rent trends

12-month history

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Last updated: August 17, 2026

Annual cost
$14,076/yr
At $1,173/mo median
Rent Market Meter
Strong Landlord's Market
Renter's MarketBalancedLandlord's Market
Rents are up 1.1% year-over-year. Expect competition, and move quickly to lock in terms.
Based on rent-price momentum (+1.1% YoY, +7.3% MoM), not inventory.
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Demographics

Who lives here

Commerce, TX is majority renter-occupied, skews toward younger working-age adults, has a median income below the national average, 30% of residents hold a bachelor's degree or higher.

Population
9,383
Median income
$44,386
Median age
26.1
Renters
58.5%
Age distribution
15.2%
52%
20%
Under 1815.2%
18–3452%
35–5420%
55–646%
65+6.9%
Gender
46%
54%
Male46%
Female54%
Race & ethnicity
54.7%
20.6%
21.6%
White54.7%
Black20.6%
Hispanic21.6%
Asian2.3%
Other0.8%
Education (25+)
15.8%
20.5%
33.7%
30%
No HS diploma15.8%
HS diploma20.5%
Some college33.7%
Bachelor's+30%
Housing tenure
41.5%
58.5%
Owner41.5%
Renter58.5%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How Commerce, TX has changed in 5 years

Income
$37,684 → $44,386
up 17.8%
Population
8,667 → 9,383
up 8.3%
Renter share
61.4% → 58.5%
-2.9 pts
Bachelor's+
31.8% → 30%
-1.8 pts
Median age
24 → 26.1
+2.1 yrs

Median household income climbed from $37,684 to $44,386 between 2021 and 2024, a 17.8% shift. Census counts show Commerce, TX adding about 716 residents over the five-year window, up 8.3% on net. The renter share has eased from 61.4% to 58.5%, with owner-occupied housing accounting for the remainder.

Community

Discussions about Commerce

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View Commerce rent history (2015–2026) →
Salary vs rent

Can you afford rent in Commerce on your salary?

At $1,173/mo, how Commerce rent compares to typical pay (30% rule).

By apartment size

Commerce rent by bedroom count

Median rent for each apartment size in Commerce. Click any size for full breakdown.

Local insights

Tips for renters in Commerce

About renting in Commerce, TX

Last updated: August 17, 2026

The median rent in Commerce is $1,173/mo as of August 2026. A studio apartment averages $1,030/mo while a 2-bedroom runs $1,270/mo. One-bedroom apartments average $1,090/mo and 3-bedroom units go for $1,600/mo.

At 32% of local median household income ($44,386/yr), Commerce ranks as moderate compared to the national benchmark of 30%. Rents have increased 1.1% over the past year.

FAQ

Frequently asked questions

Is Commerce an affordable city for renters?

Commerce is considered moderate for renters. At $1,173/mo, rent takes approximately 32% of the local median household income ($44,386/yr). The standard benchmark is 30%. Commerce slightly exceeds that threshold, so budgeting carefully matters here.

How much income do you need to rent in Commerce?

To keep rent at or below 30% of gross income, you would need to earn at least $47,000/year (~$23/hour full-time) to afford the median rent of $1,173/mo in Commerce. The local median household income is $44,386/yr, meaning the typical Commerce household falls short of that threshold.

Is rent going up or down in Commerce?

Rent in Commerce has increased 1.1% over the past year as of August 2026, putting upward pressure on renter budgets.

How does Commerce rent compare to other cities in Texas?

Commerce is one of the more affordable cities in Texas for rent, ranking #256 out of 267 tracked cities at $1,173/mo.

What percentage of Commerce residents rent vs. own?

According to Census data, approximately 58.5% of Commerce households are renters, while 41.5% are owner-occupied. With a majority renter population, Commerce has a strong rental market.

How does Commerce rent compare to the national average?

Commerce's median rent of $1,173/mo is $789 (40%) below the US national median of $1,962/mo. Within Texas, it ranks #256 out of 267 tracked cities.
Income Affordability
32%
MODERATE

At $1,173/mo, rent takes ~32% of Commerce's median household income ($44,386/yr). The standard benchmark is 30%.

Commerce 32%Benchmark 30%
State income taxNone
Run the Commerce affordability calculator →
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Neighborhoods

Estimated from ZIP-level data

Schools nearby

Public schools near Commerce, TX

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