Cost of Living in Commerce, TX
Population 9,211 · Texas · Data vintage 2023
(100 = US avg)
At $43,051, median household incomes in Commerce land roughly 42% below the US median, a gap that tends to persist across local labor-market indicators. A poverty rate near 27% adds context to the income figures — well above the US average, and worth factoring into any comparison with cities on the coasts or in the Rockies.
Located 45 miles east of McKinney, Commerce falls within that metro's commuting orbit. Median home values run roughly 72% lower than McKinney's $440,000.
Cost Overview
Scale: 100 = US national average. Green < 90, Red > 110.
About the Cost of Living in Commerce
The median home value in Commerce is $124,800 — 59% below the national median of $305,000. Median rent runs $902/month, 31% lower than the national median of $1,314/month. The median household income of $43,051/year is 42% lower than the US median of $74,580. The local unemployment rate is 4.2%, below the national average of 4.8%. Texas charges no state income tax, a meaningful advantage for take-home pay. The climate averages highs of 75.9°F and lows of 54.1°F. Overall, Commerce has a cost of living index of 52 versus the US average of 100, meaning it is 48% less expensive.
Commerce has limited residential data
Detailed housing and income data is limited for this location. Here are the nearest cities with full cost of living data:
🏠 Housing
HUD Fair Market Rents by Bedroom
💰 Estimated Monthly Budget
Estimates based on median data and national averages. Actual costs vary.
🛒 Food & Groceries
National BLS average prices (2023). Local prices may vary.
🚗 Transportation
Commute Mode
⚡ Utilities
📋 Taxes
💼 Income & Employment
🎓 Education
👥 Demographics
🌤 Climate
NOAA 1991–2020 Climate Normals
| Month | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| High °F | 56 | 60 | 68 | 75 | 83 | 91 | 95 | 96 | 88 | 78 | 66 | 57 |
| Low °F | 34 | 38 | 46 | 53 | 62 | 70 | 74 | 73 | 66 | 54 | 44 | 36 |
| Precip" | 2.70 | 2.57 | 3.51 | 3.58 | 4.77 | 3.58 | 1.96 | 1.73 | 2.81 | 4.41 | 3.19 | 3.49 |
💨 Air Quality
EPA AQS 2023 — county-level monitoring data
Frequently Asked Questions
What is the cost of living in Commerce, TX?
Commerce has a cost index of 52 (100 = national average). It is 48% below the national average.
What is average rent in Commerce, TX?
The median gross rent in Commerce is $902 per month based on 2023 Census data.
What is the average home price in Commerce?
The median home value in Commerce is $124,800 according to Zillow and Census data.
What is the median income in Commerce?
The median household income in Commerce is $43,051 per year (2023 ACS 5-year estimates).
What is the sales tax in Commerce, TX?
The combined state and local sales tax rate in Commerce is 8.2%. Texas has no state income tax.
Is Commerce, TX affordable?
Yes, Commerce is generally considered affordable, with a cost of living index of 52 — about 48% below the US national average of 100.
What is the weather like in Commerce?
Commerce has average high temperatures of 75.9°F and average lows of 54.1°F. Annual precipitation is 38.3". Data from NOAA 1991–2020 Climate Normals.
Commerce at a Glance
- Population
- 9,211
- Median Income
- $43,051
- Home Value
- $124,800
- Median Rent
- $902/mo
- Unemployment
- 4.2%
- Avg High Temp
- 75.9°F
- Sales Tax
- 8.2%
Nearby Cities
Explore county-level cost of living data
Texas Rankings
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