ZIP Code · TX

ZIP 75428

Part of Commerce, TX

Pop. 11,531·Hunt County·632nd most expensive ZIP in Texas

Median rent (all units)

$1,166/mo

Year-over-Year

+3.7%

Month-over-Month

+1.6%

vs US Median

-$766

Reported rents

Rising (Monthly)

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Most AffordableMost Expensive

ZIP 75428 · $1,166

More affordable than 93% of US ZIP codes · National median $1,932/mo

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Compare your rent to the local median.

Medians by bedroom

Rent by unit size

Studio

$1,010

1 BR

$1,050

2 BR

$1,240

3 BR

$1,560

4 BR+

$1,980

Research median

$1,240/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: October 17, 2026

From the history

What the numbers show

Past year vs. the rest of Texas

Rent in ZIP 75428 changed +3.7% over the year to September 2026. Across the 629 Texas ZIP codes Zillow tracks, the typical change was +1.2%.

Recent direction

Rent rose in 9 of the last 12 months.

What a typical income covers

30% of the median household income ($51,424) is $1,286 a month. That covers HUD's Fair Market Rent for up to a 2-bedroom ($1,240); a 3-bedroom is $1,560.

From Zillow's monthly rent index (ZORI) for ZIP 75428. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$13,992/yr

At $1,166/mo median

Location

CityCommerce

StateTX

CountyHunt County

Rent Market Meter

Strong Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are up 3.7% year-over-year. Expect competition, and move quickly to lock in terms.

Based on rent-price momentum (+3.7% YoY, +1.6% MoM), not inventory.

Demographics

Who lives here

ZIP 75428 (Commerce, TX) is roughly split between renters and owners, skews toward younger working-age adults, has a median income below the national average, 27.3% of residents hold a bachelor's degree or higher.

Population

11,531

Median income

$51,424

Median age

28.8

Renters

48.1%

Age distribution

16.5%

44.9%

21.7%

Under 1816.5%

18–3444.9%

35–5421.7%

55–647.2%

65+9.7%

Gender

47.1%

52.9%

Male47.1%

Female52.9%

Race & ethnicity

59.6%

16.9%

20.3%

White59.6%

Black16.9%

Hispanic20.3%

Asian2.1%

Other1.2%

Education (25+)

16%

25.3%

31.5%

27.3%

No HS diploma16%

HS diploma25.3%

Some college31.5%

Bachelor's+27.3%

Housing tenure

51.9%

48.1%

Owner51.9%

Renter48.1%

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

2021 vs 2026

How ZIP 75428 in Commerce, TX has changed in 5 years

Income

$45,614 → $51,424

up 12.7%

Population

11,000 → 11,531

up 4.8%

Renter share

49.6% → 48.1%

-1.5 pts

Bachelor's+

26.4% → 27.3%

+0.9 pts

Median age

26.2 → 28.8

+2.6 yrs

Median household income rose from $45,614 to $51,424 between 2021 and 2024, a 12.7% shift. The population has grown by 4.8% since 2021, moving from about 11,000 residents to roughly 11,531. Renters now make up 48.1% of households, compared with 49.6% five years ago.

Community

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Local insights

Tips for renters in ZIP 75428

About renting in ZIP 75428

Last updated: October 17, 2026

ZIP code 75428 covers Commerce, TX. The median rent here is $1,166/mo as of October 2026. A 1-bedroom rents for a median of $1,050/mo. A 2-bedroom rents for a median of $1,240/mo.

At 27% of local median household income ($51,424/yr), ZIP 75428 ranks as affordable compared to the national benchmark of 30%. Rents have increased 3.7% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 75428?

To keep rent at or below 30% of gross income, you would need to earn at least $47,000/year (about $23/hour full-time) to afford the median rent of $1,166/mo in ZIP 75428. The local median household income is $51,424/yr, so the typical household meets that bar.

Is rent going up or down in ZIP 75428?

Rent in ZIP 75428 has risen 3.7% over the past year.

How does ZIP 75428 compare to other ZIPs in Texas?

ZIP 75428 is one of the more affordable among Texas ZIP codes for rent, ranking #632 of 693 at $1,166/mo. Over the year to September 2026, rent in ZIP 75428 changed +3.7%, against a typical +1.2% across the 629 Texas ZIP codes Zillow tracks.