Commerce, TX | City Real Estate Market Analysis

Commerce, Hunt County, Texas

City Analysis Real Estate Market TX Hunt County

Commerce

Market Insight

Commerce, TX Investment Potential Analysis

Market analysis for Commerce, TX will appear here once data is available. This section will surface investment opportunities, risk assessments, neighbourhood trends, and local real estate insights specific to this market.

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Avg. Home Value

🏠 Median residential property value in Commerce.

2.59%

Property Tax Rate

🏛️ Effective property tax rate for this market.

$24,744

Avg. Household Income

💵 Average annual household income in the area.

8,174

Population

👥 Total city population estimate.

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Unemployment Rate

📊 Local unemployment vs. national benchmark.

Commerce, TX Real Estate Market Property Overview

Real estate market overview for Commerce, TX, Hunt County
Population of 8,174
Average household income of $24,744
Property tax rate of 2.59%
Median resident age of 23.90

Property Details

City	Commerce	State	Texas
County	Hunt	Country	USA
Population	8,174	Median Age	23.90
Avg. Household Income	$24,744	Median Home Value	N/A
Unemployment Rate	N/A	Property Tax Rate	2.59%
Top Industries	N/A	Economic Overview	N/A
Coordinates	33.2421, -95.8992	Properties Listed	0

Model investment returns using Commerce, TX market data as defaults

Purchase Price ($)

Annual NOI ($)

Down Payment (%) 25%

Interest Rate (%) 5.0%

Loan Term (years) 30 years

Property Tax Rate (%) 2.59%

Holding Period (years) 5 years

Annual Appreciation (%) 3.0%

Down Payment Amount:$125,000

Loan Amount:$375,000

Monthly Mortgage:$2,012

Monthly Tax:$490

Total Monthly Payment:$2,502

Monthly Cash Flow:$581

Cash on Cash Return:5.6%

Cap Rate:5.0%

Debt Coverage Ratio:1.23x

IRR (5 years):8.4%

Projected Property Value:$579,637

Total Equity:$234,891

📊Monthly Payment Analysis

Calculating...

💵Cash on Cash Return

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🚀Internal Rate of Return

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🏛️Property Tax Analysis

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* Calculations use Commerce, TX median home value as the default purchase price. All figures are estimates only. Consult financial and legal professionals before investing.

Direct Property Ownership

Concentrated exposure to one property and market
Debt service, refinancing, and rate sensitivity
Active leasing, vendor, and asset oversight
Vacancy, capex, and maintenance obligations
Illiquid exit process with timing risk
Transaction costs can compress realized returns

Projected direct ownership outcome Calculating… —

REI Capital Platform Exposure

Passive exposure without direct operator liability
Institutional underwriting and acquisition discipline
Professional asset management and reporting
Strategy designed to reduce single-asset concentration
9% annual target growth projection for comparison
Curated deal flow with a passive capital framework

Projected platform exposure at 9% target Calculating… —

Projected difference —

Calculating the comparison…

* REI Capital Growth uses a 9% target annual growth projection for comparison only. Returns are not guaranteed and actual results may vary. Consult a financial professional before making investment decisions.

Accredited Investors

Deploy capital into a professionally managed real estate strategy without taking on daily operator responsibilities.

Family Offices

Evaluate long-duration CRE exposure with an emphasis on underwriting discipline and capital preservation.

1031 Exchange Buyers

Compare direct replacement ownership against passive alternatives with reduced operational complexity.

High-Income Professionals

Access commercial real estate exposure while preserving time, focus, and liquidity for core priorities.

Where Your NOI Goes Each Month

* Distribution based on current inputs. Actual expenses may vary.

ROI Over Time: Direct Ownership vs REI Capital

* Property return uses a conservative 3.8%–4.2% annual capital appreciation assumption. REI Capital uses a 9% target projection. Returns are not guaranteed.

Deployment Scenario Analysis

Your Down Payment: Direct Ownership vs REI Capital Platform Exposure

Same starting capital. Compare a direct ownership path against passive capital deployment through REI Capital.

Direct ownership (3.8%–4.2% appreciation) REI Capital (9% target)

* "Direct ownership" shows the same down payment growing at the selected 3.8%–4.2% annual capital appreciation rate. "REI Capital" shows the same down payment growing at 9% annual target. Returns are not guaranteed.

Allocation Rationale

Why sophisticated investors choose passive CRE exposure

Direct ownership can be powerful, but it also concentrates capital, time, and execution risk into one asset. Passive CRE exposure helps investors participate in professionally managed real estate strategies while reducing the operational burden of owning the property themselves.

Professional underwriting before capital deployment
Reduced exposure to single-asset operational demands
Access to institutional sourcing and asset management
Passive framework built for long-term capital strategy
Clearer comparison against direct ownership costs
Time-efficient exposure for qualified investors

Investor Materials

A more efficient way to deploy capital

The analysis above is only the starting point. Review the REI Capital investment materials to understand the acquisition strategy, underwriting framework, risk controls, and investor onboarding process behind the 9% target projection.

Acquisition strategy & deal flow
Underwriting and risk framework
Platform team and execution process
Investor qualification and next steps

Access Investment Materials

For qualified investors · Private overview · PDF access

Investment Due Diligence For Commerce, TX Income Property

Key questions for informed investment decisions

What's the overall investment potential of Commerce, TX, considering its demographics and economy? +

The city's 36.1% poverty rate and $24,744 median household income suggest a challenging market, but the 81.0% health insurance coverage and 18.2-minute average commute time indicate a degree of stability and accessibility, making it a potential opportunity for investors targeting affordable housing or renovation projects, particularly given the top industries in Public Administration and Transportation & Warehousing.

How does the ethnic diversity and industry mix in Commerce, TX, impact the local real estate market? +

The diverse population with top ethnicities including White, White Non-Hispanic, and Black, combined with the presence of industries like Public Administration and Other Services, suggests a demand for housing that caters to a variety of needs, potentially supporting rental yields, especially considering the 39.0% homeownership rate and the relatively low median property value of $75,600.

What are the implications of the poverty rate and health insurance coverage for real estate investors in Commerce, TX? +

The 36.1% poverty rate combined with 81.0% health insurance coverage suggests a working-class market with some employment stability, which could be attractive for investors focusing on affordable rentals, given that the employed population of 2,922 and the GINI coefficient of 0.512 indicate a significant portion of the population is actively working but may face income inequality challenges.

How do commute times and methods affect the quality of life and, by extension, the real estate market in Commerce, TX? +

The 18.2-minute average commute time, with top methods including driving alone, walking, and carpooling, indicates a relatively convenient and accessible location, which can enhance the quality of life for residents and potentially support property values, especially in a city with a median age of 23.9, suggesting a vibrant and possibly growing community.

What insights can be gleaned from the median property value, taxes, and homeownership rate for real estate investment in Commerce, TX? +

The median property value of $75,600, combined with a median property tax of $1,034 and a 39.0% homeownership rate, suggests an affordable housing market with potential for investment, particularly in renovation or new construction projects, considering the relatively low property values and taxes, which could attract buyers or renters, especially with the backing of stable industries like Public Administration and Utilities.

What are some of the best neighborhoods to live in Commerce? +

Some of the best neighborhoods to live in Commerce, TX are Brookhaven, which is a peaceful and family-friendly area, and other neighborhoods in the northwest parts of the city. These areas tend to have more desirable homes and a safe environment. Additionally, more affordable homes can be found in the east regions of Commerce.

What are some fun things to do in Commerce? +

There are several fun things to do in Commerce, TX. You can visit the Northeast Texas Children's Museum, which is a great place for kids to learn and play. The city also has a charming downtown area with shops and restaurants to explore. If you're looking for outdoor activities, you can check out the local parks and trails. Additionally, Texas A&M University-Commerce is located in the city and offers various events and activities throughout the year.

What is the food scene like in Commerce? +

The food scene in Commerce, TX is diverse and offers a range of options. You can find restaurants serving Mexican, Italian, and Asian cuisine, as well as classic American diners and burger joints. Some popular restaurants in the area include Dos Laredos, Sol Azteca Taqueria Y Mas, Luigi's Italian Cafe, and Lone Star Eatery Grill & Bar. There are also plenty of great food trucks and local eateries to try.

What are the pros and cons of living in Commerce? +

Living in Commerce, TX has its pros and cons. On the positive side, the city has a peaceful and safe environment, with a strong sense of community. The cost of living is also relatively low, and there are plenty of outdoor activities to enjoy. However, some drawbacks include limited job opportunities and a smaller selection of restaurants and shops compared to larger cities. Additionally, the city's economy is still growing, and some areas may be more developed than others.

Is Commerce a good place to live? +

Overall, Commerce, TX can be a good place to live for those who value a peaceful and affordable lifestyle. The city has a lot to offer, from its charming downtown area to its outdoor recreational opportunities. While it may not have all the amenities of a larger city, Commerce has a strong sense of community and a growing economy. It's worth considering for families, students, and individuals who want a relaxed and friendly environment.

Things Near Commerce, TX

Metro Center Station

0.2 miles

Grand Central Market

0.4 miles

About Commerce

Commerce, TX is a city that tends to attract investors looking for affordable options, with a median property value of $75,600 and a median household income of $24,744. However, the 36.1% poverty rate suggests some risk, and the relatively low homeownership rate of 39.0% may indicate a higher proportion of renters. The city's population is relatively young, with a median age of 23.9, which could be a plus for businesses catering to this demographic. The top industries in Commerce, including Public Administration and Transportation & Warehousing, & Utilities, provide a stable source of employment for the 2,922 employed residents. The average commute time of 18.2 minutes is relatively short, and the fact that 81.0% of residents have health insurance coverage is a positive indicator of the city's quality of life. On the other hand, the GINI coefficient of 0.512 indicates a significant level of income inequality, which could be a challenge for investors. The ethnic diversity of the city, with 36.4% of residents identifying as White, 33.2% as White Non-Hispanic, and 12.4% as Black, adds to its cultural richness. Overall, Commerce, TX presents a mixed picture, with both opportunities and challenges for investors. The city's affordable housing and relatively low commute times are definite advantages, but the high poverty rate and income inequality are factors that need to be carefully considered.

Population 8,174

Median Age 23.90

Avg. Household Income $24,744

Similar Properties Near Commerce, TX

Investor Materials

Access the REI Capital investment overview

Review the acquisition strategy, underwriting framework, risk considerations, and investor onboarding process in one private PDF.

Access Investment Materials

CRE Admin

Commerce, TX | City Real Estate Market Analysis

Commerce, TX Investment Potential Analysis

Commerce, TX Real Estate Market Property Overview

Property Details

Direct ownership vs. passive CRE platform exposure

Built for investors evaluating passive commercial real estate exposure

Accredited Investors

Family Offices

1031 Exchange Buyers

High-Income Professionals

Where Your NOI Goes Each Month

ROI Over Time: Direct Ownership vs REI Capital

Your Down Payment: Direct Ownership vs REI Capital Platform Exposure

Why sophisticated investors choose passive CRE exposure

A more efficient way to deploy capital

Investment Due Diligence For Commerce, TX Income Property

Things Near Commerce, TX

Metro Center Station

Grand Central Market

About Commerce

Similar Properties Near Commerce, TX

Access the REI Capital investment overview

Commerce, TX | City Real Estate Market Analysis

Commerce, TX Investment Potential Analysis

Commerce, TX Real Estate Market Property Overview

Property Details

Direct ownership vs. passive CRE platform exposure

Built for investors evaluating passive commercial real estate exposure

Accredited Investors

Family Offices

1031 Exchange Buyers

High-Income Professionals

Where Your NOI Goes Each Month

ROI Over Time: Direct Ownership vs REI Capital

Your Down Payment: Direct Ownership vs REI Capital Platform Exposure

Why sophisticated investors choose passive CRE exposure

A more efficient way to deploy capital

Investment Due Diligence For Commerce, TX Income Property

Things Near Commerce, TX

Metro Center Station

Grand Central Market

About Commerce

Similar Properties Near Commerce, TX

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