Cost of Living in Commerce, TX

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14%
Overall NAT. AVG.
1%
Groceries NAT. AVG.
43%
Housing NAT. AVG.
Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index Commerce Texas National
Cost of living8694100
Groceries9998100
Health care10098100
Housing5783100
Transportation9598100
Utilities103103100
Lifestyle & Entertainment9998100
Household Items9998100
Education & Childcare9498100
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Homes For Sale In Commerce, TX

property for sale

1006 Bishop St

Commerce, TX
property for sale

3026 Arapaho Rd

Commerce, TX
property for sale

3008 Choctaw Rd

Commerce, TX
property for sale

2503 Bois D Arc St

Commerce, TX
See the Newest Homes For Sale In Commerce, TX

Cost Of Living Quick Facts

  • The cost of living in Commerce is 9% lower than the Texas average
  • The cost of living in Commerce is 14% 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

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Compare Commerce, TX Cost of Living

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      Salary Calculator

      This is how much you would need to earn in
      Price difference in compared to
      Cost of living index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index
      Lifestyle index
      Household index
      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$99,752$8,313$2,327$2,993
      Renters$33,372$2,781$779$1,001
      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 $99,752. This indicates that a monthly maximum of $2,327 should be spent by homeowners on all housing related costs. Renters have a median income of $33,372. This indicates that renters would have a maximum of $779 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%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Cooper, TX2,0438119.1%
      Cumby, TX8368316.8%
      Campbell, TX9638514.9%
      Wolfe City, TX1,1788514.6%
      Ladonia, TX7708614.3%
      Commerce, TX9,7038614.0%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      White City, OR9,7011055.1%
      Louisville, OH9,706919.3%
      Rio Vista, CA9,69813737.3%
      Woodfield, SC9,709928.2%
      Hickam Housing, HI9,69618989.3%
      Commerce, TX9,7038614.0%
      Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
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