Real Estate Investing in Commerce, Oklahoma

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

1 ZIP codes • Population: 2,293 • Ottawa County

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Should you buy in Commerce, OK? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (79/100)

Solid choice — stable market with a reasonable entry point and good rental backup if you ever need to move.

📈 For Investors
STRONG
5.0 / 5 (100/100)

A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.

⚠️ Risks to Know
3 flags
  • High vacancy: 18.6% of homes vacant — above national norms.
  • Elevated poverty: 31.1% poverty rate — can affect rent collection.
  • Lower household income: $35,662 median — tenant affordability is tighter.

What’s happening in Commerce, OK?

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5.0/ 5

Investability

Citywide average

3.0/ 5

Appreciation

4.3% 5yr CAGR

5.0/ 5

Landlord Climate

Regulatory friendliness

🏦 30-yr Fixed Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS
Avg Investability
Avg Home Value $71,248
Avg Monthly Rent $846
ZIP Codes 1

Investing in Commerce Real Estate

Across 1 ZIPs and a population near, Commerce is a classic value-add market in Oklahoma: tired inventory, motivated sellers, and room for forced appreciation.

Commerce rewards operators, not passive buyers. The gap between distressed entry and stabilized exit is where the ★★★★★ rating gets earned — on rehabs that close that gap.

Market velocity in Commerce obscures more than it reveals — stabilized comps move at one speed, distressed inventory at another, and the gap between them is the play.

Commerce houses a sizable population with a median income of $N/AK, and that income profile is what enables the after-renovation rent premiums value-add investors target.

A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Best ZIP codes in Miami, OK

Commerce is part of this metro. Every ZIP in it, ranked. Free.

Cash Flow → Appreciation → Affordable →

Landlord Ground Truth

Real numbers from people who own or manage rentals in Commerce, OK. Anonymous, moderated, never written by AI.

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Avg Home Value
$71,248
Avg Monthly Rent
$846
1% Rule
✓ Passes
Landlord Friendly (OK)

📉 Market Crash Risk Index

Based on Miami, OK metro

0/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
0%
Days Pending
0/2
0 days

View all metro crash risk rankings →

☀️ Warm Market — Miami, OK metro
0
Days to pending
6.6%
Listings with price cuts
0.0%
Sale-to-list ratio
📅 Data as of August 29, 2026 — updated weekly

ZIP Codes in Commerce, OK

Screen every ZIP in Commerce

Filter Commerce’s ZIPs by cap rate, vacancy, appreciation and 30+ more criteria, and export your shortlist to CSV — with the Investor plan ($19/mo).

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Frequently Asked Questions About Commerce, OK

How viable is house hacking in Commerce, OK?

Commerce, OK is a an attractive market for house hackers. FHA or conventional owner-occupant buyers find the $71K price point reasonable to enter.

Are rents high in Commerce, OK?

Rental rates in Commerce, OK average $846/mo. Tenant demand and $71K home values make the yield look reasonable by investor standards.

What is the smart move for investors in Commerce, OK?

A value-add and BRRRR deals strategy Commerce, OK best. The market produces predictable results for that approach at the $71K price point.

How much should I expect to pay for a home in Commerce, OK?

Commerce, OK home values average about $71K. That price point suits investors targeting rentals with $846/mo in monthly income.

How close is Commerce, OK to meeting the 1% rule?

The 1% rule in Commerce, OK is reasonable to achieve. Rent-to-price at the median ($846/mo on $71K) lands around.

Community Ratings

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