Town in Hunt County, part of the Dallas-Fort Worth metro
Living in Commerce, TX
644th of 745Texas towns of 1,000 to 10,000 people
Overall score 13 of 100
162nd of 181 in the Dallas-Fort Worth area
We give Commerce a D-. It ranks 644th of 745 Texas towns of 1,000 to 10,000 people. It does best on getting around and errands and things to do, and trails on schools and home ownership.
- Short commutes
- Jobs and income scores low (10 of 100)
- Schools scores low (4 of 100)
- Population
- 9,928+9.3% since 2020
- Median rent
- $90935% lower than Texas
- Median home value
- $161,60043% lower than Texas
- Household income
- $44,386Median
- Average commute
- 20 minOne way
- Violent crime
- 381Per 100k, 2025
What it's like to live in Commerce
Commerce sits about 59 miles from downtown Dallas, in the Dallas-Fort Worth-Arlington metro. 9,928 people lived here in 2025, up 9.3% from 2020. It is spread out.
Local spots people know include Commerce Ball Fields, Ivory Moore Park and Commerce Park.
The median age is 26.1, 28% of households have children, 42% of homes are owned by the people living in them and the typical household earns $44,386 a year (43% lower than the Texas median).
Pros of living in Commerce
- Lower rent. Median rent is $909, 35% lower than the Texas median.
- Short commutes. The average trip to work takes 20 minutes, against 27 across Texas.
Cons of living in Commerce
- Weaker school ratings. None of the 4 rated campuses earn an A or B from the state.
- Higher poverty. 23% of people live below the poverty line, against 14% across Texas.
- Natural hazard risk. FEMA rates the risk of tornadoes, heat waves and hail as very high here.
Who Commerce suits
- FamiliesNot the best fit: 0% of rated schools earn an A or B and violent crime is about the same as the Texas rate. Compared with similar Texas places, it beats 1% for families.
- Young professionalsA strong fit: household income is 43% lower than the Texas median, with 43 restaurants and 4 cafes in town. Compared with similar Texas places, it beats 75% for young professionals.
- RetireesNot the best fit: 16% of working-age adults are uninsured and violent crime is about the same as the Texas rate. Compared with similar Texas places, it beats 14% for retirees.
- Remote workersA reasonable fit: 90% of homes have broadband and the median rent of $909 is 35% lower than the Texas median. Compared with similar Texas places, it beats 45% for remote workers.
- People on a budgetNot the best fit: the median rent of $909 is 35% lower than the Texas median. Compared with similar Texas places, it beats 21% for people on a budget.
Commerce report card
Ten grades, one for each part of daily life we measure. Most compare Commerce with other US towns of 1,000 to 10,000 people. Schools, safety and errands compare it with other Texas towns of 1,000 to 10,000 people.
Cost of living: grade C-
Median rent $909, homes cost 3.6x income.
37 of 100 vs US townsJobs and income: grade D-
Median household income $44,386, 6.5% unemployed.
10 of 100 vs US townsSchools: grade F
4 rated campuses, 0% rated A or B.
4 of 100 vs TX townsSafety: grade D
381 violent crimes per 100k, 1,012 property crimes per 100k.
20 of 100 vs TX townsErrands and things to do: grade B
3 grocery stores, 43 restaurants, 6 parks mapped in town.
68 of 100 vs TX townsGetting around: grade A
Average commute 20 min, 7.7% work from home.
94 of 100 vs US townsEducation levels: grade C
30% have a bachelor’s degree.
41 of 100 vs US townsHealth: grade D-
16% of adults uninsured.
10 of 100 vs US townsHome ownership: grade F
42% of homes owner-occupied.
5 of 100 vs US townsInternet access: grade C
90% of homes have broadband.
47 of 100 vs US towns
Where Commerce stands out compared with Texas
Better than Texas
- Median rent: $90935% lower than Texas ($1,403)
- Workers who walk, bike or take transit: 16%13 points higher than Texas (2.6%)
- Average commute: 20 min25% lower than Texas (27 min)
Worse than Texas
- Homes owned by the people living in them: 42%21 points lower than Texas (63%)
- Median household income: $44,38643% lower than Texas ($78,476)
- People below the poverty line: 23%10 points higher than Texas (14%)
Cost of living in Commerce
Commerce renters pay a median of $909 a month, 35% lower than the statewide median. The usual rule is to spend no more than 30% of income on rent, which means earning around $36,000 a year for a median unit. Right now 55% of renters here pay more than 30% of their income on rent.
HUD sets fair market rents for this area at $1,536 for a one-bedroom, $1,807 for a two-bedroom and $2,275 for a three-bedroom (fiscal year 2027). These figures include utilities and describe a modest unit, so newer apartments often ask for more.
The median home is worth $161,600, 43% lower than the Texas median. With 20% down and a 30-year loan at 7.28%, the monthly payment comes to about $885 before tax, or $1,092 with property tax. That is $183 a month more than the median rent, a gap that can be worth it if you plan to stay a while.
Texas has no state income tax, but it leans on property taxes instead, though they are lighter here than in much of the state. The median homeowner in Commerce pays $2,495 a year, 41% lower than the Texas median of $4,232. Budget for it, along with homeowners insurance, which our numbers do not include.
Typical rent by apartment size
| Measure | Here | Texas | US |
|---|---|---|---|
| Median rent35% lower than Texas | $909 | $1,403 | $1,413 |
| Median home value43% lower than Texas | $161,600 | $283,800 | $332,700 |
| Home value to incomeAbout the same as Texas | 3.6x | 3.6x | 4.1x |
| Renters paying 30%+ of income on rent3 points higher than Texas | 55% | 52% | 51% |
| Median property tax per year41% lower than Texas | $2,495 | $4,232 | $3,119 |
| Homes owned by the people living in them21 points lower than Texas | 42% | 63% | 65% |
| Median year homes were builtAbout the same as Texas | 1976 | 1992 | 1980 |
Monthly cost to buy a median home
- Mortgage payment
- $885
- Property tax
- $208
- Median rent, for comparison
- $909
Based on a $161,600 home in Commerce, 20% down and a 30-year loan at 7.28% (Freddie Mac average, week of 2026-10-01). Property tax is the median paid locally, or the county median where the local figure is not published. Insurance and fees are not included.
Is Commerce safe?
In 2025, Commerce Police Department reported 38 violent crimes and 101 property crimes. That works out to 381 violent crimes per 100,000 people, about the same as the Texas rate of 387, and 1,012 property crimes per 100,000, 51% lower than the state rate.
Violent crime is up about 50% since 2021, based on the yearly rates below.
Crime rates describe the whole area a police department covers. Some streets are much quieter than the average and some are busier, so look at the neighborhood grades and visit at different times of day.
Violent crimes per 100,000 people by year. The dashed line is the Texas rate for 2025.
Property crimes per 100,000 people by year.
Source: FBI Crime Data Explorer, Commerce Police Department, 2025. Rates count reported crimes only and cover the area this police department serves.
Schools in Commerce
Commerce has 4 public school campuses with a 2025 state rating inside the city, and 0% of them earn an A or B. Most students here are served by Commerce ISD.
Texas districts usually assign students by attendance zone rather than the closest campus, so check the zone for a specific address with the district before you sign a lease or buy.
Ratings are the 2025 Texas Education Agency A to F accountability ratings. Always check which school serves a specific address with the district.
Top-rated schools
- CCommerce High SchoolHigh, Commerce ISD79 of 100
- DCommerce MiddleMiddle, Commerce ISD65 of 100
- FAlbert C Williams ElementaryElementary, Commerce ISD58 of 100
- FCommerce ElementaryElementary, Commerce ISD58 of 100
Daily life in Commerce
Everyday places mapped inside Commerce, from Overture Maps. Well-known spots include Commerce Ball Fields, Ivory Moore Park, Commerce Park.
The average one-way commute is 20 minutes, 25% shorter than the Texas average. 8% of workers work from home. 16% walk, bike or take transit to work.
Downtown Dallas is about 59 miles away in a straight line. Many people who live in Commerce work elsewhere in the metro, so test the drive at rush hour before you commit.
The median household income is $44,386, income per person is $22,169, unemployment is 6.5% and 30% of adults hold a bachelor's degree.
Jobs, income and education
| Measure | Here | Texas | US |
|---|---|---|---|
| Median household income43% lower than Texas | $44,386 | $78,476 | $80,734 |
| Income per person46% lower than Texas | $22,169 | $40,752 | $44,673 |
| Unemployment rate1 points higher than Texas | 6.5% | 5.3% | 5.2% |
| People below the poverty line10 points higher than Texas | 23% | 14% | 12% |
| Adults with a bachelor's degree or higher4 points lower than Texas | 30% | 34% | 36% |
| Adults with a high school diploma or higher2 points lower than Texas | 84% | 86% | 90% |
| Adults 18 to 64 without health insurance4 points lower than Texas | 16% | 20% | 11% |
| Homes with broadband internet2 points lower than Texas | 90% | 91% | 91% |
Getting to work
| Measure | Here | Texas | US |
|---|---|---|---|
| Average commute25% lower than Texas | 20 min | 27 min | 26 min |
| Workers who work from home7 points lower than Texas | 7.7% | 14% | 15% |
Who lives in Commerce
Median age 26.1 years. 28% of households have children.
Race and ethnicity
Shown for information only. It is never part of any grade.
Weather in Commerce
Commerce has a hot Texas climate. July highs average 97°F and January lows about 33°F. There are about 97 days a year at 90°F or above, and about 47 inches of rain a year.
Average daily high and low by month, °F, with rain below. NOAA 1991 to 2020 normals from Greenville Kgvl Radio, 13 mi away. Orange months average 90°F or more.
Natural hazard risk
FEMA's National Risk Index says river flooding risk is low, hurricane risk is moderate, tornado risk is very high and hail risk is very high. Even in lower-risk areas, check the FEMA flood map for the exact address before you buy.
- River floodingLow
- HurricanesModerate
- TornadoesVery high
- HailVery high
- Heat wavesVery high
- WildfiresHigh
- Winter stormsHigh
- Strong windVery high
Source: FEMA National Risk Index, December 2025, Census tract level averaged for the city. Check the FEMA flood map for any address before you buy.
Places near Commerce
Nearby, Wolfe City gets a C-, Cooper gets a D- and Greenville gets a D. Each is graded against Texas places of its own size, so a small town and a big city can both earn an A.
- C-Wolfe CityTown, 1,148 people13 mi
- D-CooperTown, 2,055 people15 mi
- DGreenvilleSmall city, 31,222 people16 mi
- D-CelesteTown, 1,019 people17 mi
- B+Sulphur SpringsSmall city, 16,401 people19 mi
- B-Honey GroveTown, 1,824 people23 mi
Commerce in the Dallas-Fort Worth area
How it ranks among 181 places in the metro.
- 1A+Flower Mound78,389 people26 mito downtown
- 2A+Trophy Club13,733 people29 mito downtown
- 3A+University Park25,155 people4 mito downtown
- 159D-Briar7,228 people49 mito downtown
- 160D-Celeste1,019 people48 mito downtown
- 161D-Duncanville39,683 people13 mito downtown
- 162D-Commerce9,383 people59 mito downtown
- 163D-White Settlement18,150 people40 mito downtown
- 164D-Fort Worth963,194 people34 mito downtown
- 165D-Everman6,106 people32 mito downtown
Living in Commerce: common questions
Is Commerce, TX a good place to live?
We give Commerce a D-. It ranks 644th of 745 Texas towns of 1,000 to 10,000 people. It does best on getting around and errands and things to do, and trails on schools and home ownership.
How much does it cost to live in Commerce?
Renters in Commerce pay a median of $909 a month, 35% lower than the Texas median. The median home is worth $161,600, 43% lower than the Texas median. A median home costs 3.6x the median household income, compared with 3.6x across Texas. With 20% down at a 7.28% rate, the monthly payment on a median home is about $1,092, including property tax.
Is Commerce safe?
In 2025, Commerce Police Department reported 381 violent crimes per 100,000 people, about the same as the Texas rate. Property crime was 1,012 per 100,000, 51% lower than the Texas rate.
Are the schools good in Commerce?
We found 4 rated public school campuses inside Commerce. 0% are rated A or B by the Texas Education Agency. Its schools score is 4 of 100 compared with other Texas towns of 1,000 to 10,000 people.
Does Commerce flood?
FEMA rates river flooding risk in Commerce as low, and coastal flooding as not rated. Hazards rated high or very high here: tornadoes, heat waves, hail, wildfires, winter storms and strong wind. Always check the flood map for a specific address before you buy.
What is the weather like in Commerce?
Summers in Commerce peak at about 97°F in July, and January nights fall to about 33°F. Expect around 97 days a year at 90°F or hotter, and 47 inches of rain.
How long is the commute in Commerce?
The average one-way commute is 20 min, 25% lower than the Texas average. About 7.7% of workers work from home. It is about 59 miles from downtown Dallas.
Sources: US Census Bureau 2020-2024 ACS 5-year and 2025 population estimates, CDC PLACES 2025, Texas Education Agency 2025 ratings, FBI Crime Data Explorer, FEMA National Risk Index, NOAA climate normals, HUD fair market rents, Overture Maps. Updated 2026-10-04. How we grade.