Cost Of Living in Commerce, TX

Get 300+ Local Insights for Any Address in Commerce, TX

Get Access to 300+ Local Data Points

A+

5%

Overall NAT. AVG.

21%

Goods & Services NAT. AVG.

43%

Housing NAT. AVG.

Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.

The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index	Commerce	Texas	National
Cost of living	95	92	100
Goods & Services	121	96	100
Groceries	97	96	100
Health care	110	94	100
Housing	57	83	100
Transportation	94	92	100
Utilities	115	104	100

Does this Area Fit Your Budget?

Know the community before you call it home
Compare multiple areas side by side
Access over 300 data points for any address

GET REPORT →

Cost Of Living Quick Facts

The cost of living in Commerce is 2% higher than the Texas average
The cost of living in Commerce is 5% lower than the national average
Commerce housing is 43% lower than the national average
Texas general sales tax is 22% higher than the national average
Texas state income tax is 100% lower than the national average

Most Affordable Places to Live in and Around Commerce

See all the best places to live around Commerce

Compare Commerce, TX Cost of Living

Compare Neighborhoods & Addresses

Why stop at city-to-city? With Local Insights, you can compare neighborhoods, zip codes, or even exact addresses. Access 300+ hyperlocal data points—from schools and crime to housing and amenities—to see which area is the better fit.

UNLOCK FULL COMPARISON →

Write a review to give others more information about this area.

See all Commerce poll results

The best places in Texas

Here are the best places to live in Texas

Check out the 10 safest cities in Texas

Most Dangerous Cities In The US

These are the 10 cheapest cities in Texas

Salary Calculator

This is how much you would need to earn in

Price difference in compared to

Cost of living index
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$66,414	$5,535	$1,550	$1,993
Renters	$21,994	$1,833	$513	$660

The affordability of the housing market in Commerce, TX as well as the overall cost of living can be predicted by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should be spent on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Commerce homeowners, the median income is $66,414. This indicates that a monthly maximum of $1,550 should be spent by homeowners on all housing related costs. Renters have a median income of $21,994. This indicates that renters would have a maximum of $513 for their rent related monthly costs.

Texas Sales Tax

State	General Sales Tax	With Max Surtax
Texas	6.25%	8.25%

Texas Income Tax

State	Income Tax (Low)	Income Tax (High)
Texas	0%	0%

Goods & Services

Item	Commerce	National avg.	Difference
Haircut	$23.57	$24.26	2.8%
Beauty Salon	$35.11	$45.56	22.9%
Toothpaste	$3.51	$3.70	5.1%
Shampoo	$1.22	$1.28	4.7%
Movie	$11.85	$12.13	2.3%
Bowling	$16.96	$18.00	5.8%

Groceries

Item	Commerce	National avg.	Difference
Ground Beef	$5.44	$5.84	6.9%
Fried Chicken	$1.32	$1.57	16.1%
Milk	$4.63	$4.67	0.9%
Potatoes	$4.15	$4.93	16.0%
Pizza	$11.96	$12.09	1.0%
Beer	$10.27	$10.41	1.4%

Health Care

Item	Commerce	National avg.	Difference
Optometrist	$96.63	$125.68	23.1%
Doctor	$131.00	$135.78	3.5%
Dentist	$86.73	$113.29	23.4%
Ibuprofen	$10.40	$10.65	2.4%
Lipitor	$484.49	$468.60	3.4%

Housing

Item	Commerce	National avg.	Difference
Home Price	$80,400.00	$184,700.00	56.5%
Avg. Mortgage Payment	$1,562.33	$2,346.69	33.4%
Apartment Rent	$831.00	$949.00	12.4%

Transportation

Item	Commerce	National avg.	Difference
Gasoline	$3.47	$3.46	0.3%
Tire Balancing	$66.47	$59.92	10.9%

Utilities

Item	Commerce	National avg.	Difference
All Electricity	$145.64	$193.99	24.9%
Phone	$208.71	$192.25	8.6%

Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Cooper, TX	1,981	90	10.1%
Cumby, TX	816	92	7.7%
Campbell, TX	932	94	6.2%
Wolfe City, TX	1,138	94	5.9%
Ladonia, TX	752	94	5.8%
Commerce, TX	9,473	95	5.3%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Evergreen, CO	9,475	145	44.6%
Penetanguishene, ON	9,475	n/a
Hickam Housing, HI	9,463	193	93.3%
Beverly Hills, FL	9,484	84	15.7%
Coral Hills, MD	9,457	118	18.2%
Commerce, TX	9,473	95	5.3%