Market Overview
Home Prices in Commerce, TX
The median home value in Commerce, TX is $214,298 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 6.2% compared to a year ago and down 2.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in Commerce are priced48% below average. Commerce is part of the Dallas-Fort Worth-Arlington, TX metro area.
Over the past five years, Commerce home values have risen by approximately17.9%, reflecting steady appreciation in this market.
Price History
Commerce Home Price Trend
City Comparison
Commerce vs. National Median
At $214,298, homes in Commerce cost 48% below the national median of $410,000. This makes Commerce a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Commerce?
20% Down Payment
$42,860
on $214,298
Monthly P&I
$1,118/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,420/mo
incl. taxes & insurance
Income Needed
$56,800
gross annual (30% rule)
10% Down Option
$21,430
+ PMI applies
Loan Amount (20% dn)
$171,438
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Commerce, TX?
The median home value in Commerce is $214,298 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 6.2% year-over-year.
How much have home prices changed in Commerce?
Over the past year, home values in Commerce have decreased by 6.2%. Over five years, prices have risen approximately 17.9%.
How much do I need to earn to buy a home in Commerce?
To comfortably afford the median home price of $214,298 with a 20% down payment ($42,860) at today's rates (6.8%), you'd need a gross annual income of approximately $56,800. This assumes keeping total housing costs at or below 30% of gross income.
How does Commerce compare to the national average home price?
The national median home value is approximately $410,000. At $214,298, homes in Commerce are 48% below the national average.
What metro area is Commerce part of?
Commerce is part of the Dallas-Fort Worth-Arlington, TX metropolitan area. Home prices and market conditions can vary across the broader metro region.