What is the cost of living in Commerce, TX?
According to the most recent data on the cost of living, Commerce has an overall cost of living index of 88, which is 0.9x lower than the national index of 100.
Compared to Texas, Commerce has a cost of living index that's 0.9x lower than Texas's index of 93.
The standard of living in Commerce ranks as #77 most affordable out of the 419 places we measured in Texas. By definition, that implies Commerce ranks as the #342 most expensive place in the Lone Star State.
For more reading on life in Commerce, check out:
Commerce Cost Of Living Vs. Texas
Six factors go into calculating the cost of living index in Commerce. Here is how it fares on each of the criteria:
The Services index in Commerce is 100.
The Groceries index in Commerce is 98.
The Health index in Commerce is 56.
The Housing index in Commerce is 94.
The Transportation index in Commerce is 105.
The Utilities index in Commerce is 101.
| Living Expense | Commerce | Texas | National Average |
|---|---|---|---|
| Overall | 88 | 93 | 100 |
| Services | 100 | 100 | 100 |
| Groceries | 98 | 99 | 100 |
| Health | 56 | 81 | 100 |
| Housing | 94 | 97 | 100 |
| Transportation | 105 | 103 | 100 |
| Utilities | 101 | 100 | 100 |
Commerce Cost Of Living Compared To Texas Averages
Index where 100 = national average. Source: cost-of-living index 2026.
For more reading on cost of living around Texas, check out:
Protect your home budget Compare home warranties in Commerce Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Commerce, TX Housing Cost Breakdown
Housing swings affordability the most between places in Texas, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2020-2024. The key points are:
The Median Home Value in Commerce is $214,100.
The Median Rent in Commerce is $909.
The Median Income in Commerce is $44,386.
The Home Value To Income in Commerce is 4.8x.
The Rent To Monthly Income in Commerce is 0.25x.
Commerce, TX Costs By Category
Detailed Commerce Services costs vs. Texas
Detailed Commerce Groceries costs vs. Texas
Detailed Commerce Health costs vs. Texas
Detailed Commerce Transportation costs vs. Texas
Commerce SnackAbility
Cost Of Living In Cities Around Commerce
The cost of living varies in the cities and towns around Commerce. Here's a quick look at the cost of living in the most populous nearby places:
Garland, TX has a cost of living index of 100, 1.1x Commerce.
McKinney, TX has a cost of living index of 122, 1.4x Commerce.
Allen, TX has a cost of living index of 120, 1.4x Commerce.
| City | Population | Cost Of Living | Vs. Commerce |
|---|---|---|---|
| Garland, TX | 246,844 | 100 | 1.1x |
| McKinney, TX | 210,600 | 122 | 1.4x |
| Allen, TX | 110,265 | 120 | 1.4x |
| Rowlett, TX | 65,463 | 111 | 1.3x |
| Rockwall, TX | 51,168 | 111 | 1.3x |
| Sherman, TX | 46,397 | 93 | 1.1x |
| Forney, TX | 31,532 | 106 | 1.2x |
| Greenville, TX | 31,222 | 89 | 1.0x |
| Sachse, TX | 30,491 | 112 | 1.3x |
| Murphy, TX | 21,188 | 131 | 1.5x |
