What are the schools like in Commerce, TX?

Commerce is served primarily by COMMERCE ISD. The district operates 2 elementary schools, 1 middle schools, and 1 high schools with a student-to-teacher ratio of 13.0:1.

What is the median household income in Commerce?

The median household income in Commerce, TX is $41,382 according to the most recent US Census American Community Survey 5-year estimates. The unemployment rate is 6.9%.

What is the weather like in Commerce, TX?

Commerce has an average high temperature of 57.8°F in January and 97.1°F in July. Annual precipitation averages 44.6 inches and annual snowfall averages 1.0 inches.

Commerce, TX Cost of Living, Crime & Is It a Good Place to Live? (2026)

Q: Is Commerce, TX affordable or expensive?

Commerce's cost of living index is 103, where 100 represents the national average. This means Commerce is 3% more expensive than the average US city. The median home value is $114,700 and the median rent is $913 per month.

Q: What is the crime rate in Commerce, TX?

Commerce has a violent crime rate of 427.4 incidents per 100,000 residents and a property crime rate of 1157.0 per 100,000. The national average violent crime rate is approximately 380 per 100,000.

Is Commerce, TX a Good Place to Live?

Commerce is a small town of 9,078 in Texas, with a median household income of $41,382 and a 6.9% unemployment rate. Its cost of living index is 103 (US average = 100), which is 3% above the national average.

Strengths: Commerce stands out for below-average home prices, lower-than-average crime, solid school ratings (B), short average commutes.

Trade-offs: Potential downsides include an elevated unemployment rate. Whether Commerce is right for you depends on your priorities — the full breakdown is below.

All Commerce city data on this page comes from official government sources — the US Census Bureau, FBI, NCES, BEA, and NOAA — updated annually.

Cost of Living

Index: 103.3

Commerce's overall cost of living index is 103.3, where 100 represents the US national average. Living in Commerce costs roughly 3% more than the average American city.

Metric	Commerce, TX	National Avg
Median Home Value	$114,700	$244,900
Median Monthly Rent	$913	$1,163
Homeownership Rate	39.6%	65.9%
Median Household Income	$41,382	$74,755

Crime & Safety

Safer than Average

Commerce's violent crime rate is 427.4 per 100,000 residents — 12% higher than the national average of ~380 per 100,000.

Violent Crime

427.4 /100k

Property Crime

1157.0 /100k

Vertical marker = national average. Source: FBI UCR Program.

Schools & Education

Commerce is served primarily by COMMERCE ISD. The student-to-teacher ratio is 13.0:1 (better than the national average of ~16:1).

Metric	Commerce, TX	National Avg
School District	COMMERCE ISD	—
Elementary Schools	2	—
Middle Schools	1	—
High Schools	1	—
Student/Teacher Ratio	13.0:1	16:1
Bachelor's Degree or Higher	26.6%	35.4%
High School Diploma or Higher	87.3%	91.1%

Weather & Climate

Commerce sees average highs of 57.8°F in January and 97.1°F in July, with 44.6 inches of annual precipitation and 1.0 inches of snow per year.

Metric	Commerce, TX
Average High — January	57.8°F
Average High — July	97.1°F
Annual Precipitation	44.6"
Annual Snowfall	1.0"

Demographics

Metric	Commerce, TX	National Avg
Population	9,078	—
Median Age	24.1	38.9
Unemployment Rate	6.9%	3.7%
Avg Commute Time	17.3 min	26 min
White (non-Hispanic)	57.3%	59.3%
Black or African American	22.7%	13.6%
Hispanic or Latino	12.2%	18.9%
Asian	3.1%	6.3%
Under 18	18.5%	22.2%
65 and over	8.0%	16.8%

Nearby Cities

Campbell, TX 7 mi Neylandville, TX 7 mi Cumby, TX 8 mi Ladonia, TX 13 mi Wolfe City, TX 13 mi

ZIP Codes in Commerce

Commerce, TX is covered by 2 ZIP codes:

75428 75429

Commerce vs Other Cities

Commerce, TX vs Campbell, TX Commerce, TX vs Neylandville, TX Commerce, TX vs Cumby, TX Commerce, TX vs Ladonia, TX Commerce, TX vs Wolfe City, TX

Frequently Asked Questions

Is Commerce, TX affordable or expensive?

Commerce's cost of living index is 103, where 100 is the national average. That puts Commerce roughly 3% above the national average in cost. The median home price is $114,700 and median rent is $913/month.

What is the crime rate in Commerce, TX?

Commerce's violent crime rate is 427.4 per 100,000 residents — the national average is ~380 per 100,000. Property crime is 1157.0 per 100,000 (national avg ~2,100). Data from the FBI Uniform Crime Reporting Program.

What are the schools like in Commerce?

Public schools in Commerce are operated by COMMERCE ISD. The district has 2 elementary, 1 middle, and 1 high schools. The student-to-teacher ratio is 13.0:1. 26.6% of adults 25+ hold a bachelor's degree or higher.

Is Commerce, TX a good place to live?

Commerce, TX has a population of 9,078, a median household income of $41,382, and an unemployment rate of 6.9%. Whether it's right for you depends on your priorities — use the compare tool above to stack it against another city you're considering.

What is the weather like in Commerce?

Commerce averages 57.8°F in January and 97.1°F in July. Annual rainfall is 44.6 inches with about 1.0 inches of snow per year. Based on NOAA 30-year climate normals (1991–2020).

What ZIP codes are in Commerce?

Commerce, TX is covered by 2 ZIP codes: 75428, 75429.

What is the population of Commerce?

The population of Commerce, Texas is 9,078 with a median age of 24.1. Source: US Census ACS 5-Year Estimates.

What are the pros and cons of living in Commerce?

Key numbers for living in Commerce: cost of living index 103 (100 = US average), median home $114,700, median household income $41,382, crime index 90 (100 = US average, lower is safer), schools rated B. Whether these are benefits or drawbacks depends on where you're coming from — compare Commerce side by side with your current city to see the trade-offs.