Real Estate Investing in Commerce Township, Michigan (48382)

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

Oakland County • Population: 23,550 • Data updated: September 2026

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Should you buy in 48382 (Commerce Township, MI)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (76/100)

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

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
CLEAN

No major risk flags on the data we track.

What’s happening in Commerce Township, MI (48382)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $471,044
Avg Monthly Rent $2,282
1% Rule ✗ Does Not Meet
Median Income $129,000
% Renters 7.6%

Market Analysis: 48382 Commerce Township

This part of Oakland County is not an easy win. The 48382 ZIP records softness in key indicators, and the playbook that works in cleaner markets often stalls here.

For an experienced owner, 48382 can be a worth a close look for hunting ground — but the discount at $471K reflects genuine risk that outside investors often underestimate.

Within MI, ZIP 48382 trails on several market indicators that neighboring Oakland County submarkets outperform. The gap is real and robust enough to shape underwriting.

Resident income in 48382 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.

The right play in 48382 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Commerce Township:

C+ Average
Buy Confidence Score: 69/100
Affordability
15/25
Appreciation
18/25
Stability
13/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.7× the median income
Value Trend
Rising (+5.7%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $2,282/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
⚖️
BALANCED MARKET
Detroit-Warren-Dearborn, MI Metro Area
Even conditions for buyers and sellers
34 days
Average time to sell
Average
11.2%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Detroit-Warren-Dearborn, MI metro data
🏠

Property Strategy for 48382

Which property type performs best in this market?

Best for Cash Flow
2BR
5.3% cap rate
Best for Appreciation
2BR
+7.0% 5yr CAGR
Best Overall Value
3BR
$123,876/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $272,017 $2,010 5.3% +7.0% $136,008
3BR $371,627 $2,460 4.8% +6.5% $123,876
4BR $543,934 $2,660 3.5% +6.3% $135,984
5BR $658,789 +6.4% $131,758

Market Trends

Home Value History (with trend line)

$496K$429K$362K$295K$228K$161KJun 2006Jul 2016Jul 2026

Rent History (with trend line)

No data available

📊 How Does 48382 Compare?

Metric 48382 Commerce Township Detroit-Warren-Dearborn, MI Michigan
Home Value $471,044 $393,644 N/A $253,279
5-Year CAGR 4.9% 4.6% N/A 6.8%
Avg Rent $2,282 $2,266 N/A -
Cap Rate 3.8% 4.7% - -
💡 Why Invest in 48382? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 48382 (Commerce Township, MI). Anonymous, moderated, never written by AI.

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Property managers serving Oakland County

Manage rentals here? List your business →

Symmetry Management specializes in commercial real estate management. summary from their website

Commercial
Unclaimed — is this your business? Claim it free

Beacon Management offers property management services for various communities and properties across Michigan, including Ann Arbor, Auburn Hills, Bloomfield Hills, Canton, and Southfield. summary from their website

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Great Day Realty is a real estate company. summary from their website

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Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.

Investability
Good
Cap Rate
3.8%
Low
5yr Growth
+4.9%
Moderate

📊 Market Snapshot

Home Value $471,044
Monthly Rent $2,282
Price-to-Rent 17.2:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.8%
Cap Rate 3.8%
5-Year IRR 8.7%

📈 Home Appreciation

1-Year +5.7% ▲
3-Year CAGR +4.4% ▲
5-Year CAGR +4.9% ▲
10-Year CAGR +5.5% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.8%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.8%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
3.6%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+4.9%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 48382

Population: 23,550

💰 Median Household Income
$129,000
This area
$129,000
State
$68,013
USA
$74,580
🏠 Renter Occupied
7.6%
This area
7.6%
State
19.4%
USA
34.0%
💼 Unemployment Rate
2.2%
This area
2.2%
State
-2.8%
USA
3.7%
🎓 College Educated
48.8%
This area
48.8%
State
16.5%
USA
33.7%
👤 Median Age
42.8 years
This area
42.8 years
State
36.1 years
USA
38.9 years
🏚️ Vacancy Rate
3.6%
This area
3.6%
State
20.4%
USA
10.5%
👥 Population by Ethnicity
White 87.8%
Other/Mixed 5.6%
Asian 3.4%
Hispanic/Latino 3.2%
Black/African American 3.1%
👶 Under 18
23.5%
This area
23.5%
USA
22.0%
👴 65 and Over
15.9%
This area
15.9%
USA
17.3%
📊 Poverty Rate
4.1%
This area
4.1%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 48382

B+ Avg School Grade
5 Schools
19.3:1 Avg Class Size
$20,613 Avg Per Pupil

Schools in This ZIP Code

A Very Good

Commerce Elementary School

📚 Pre-K – 05 Elementary
👥
540 Students
👨‍🏫
17.2:1 Class Size
💰
$21,318 Per Student
A Very Good

Country Oaks Elementary School

📚 K – 05 Elementary
👥
521 Students
👨‍🏫
16.9:1 Class Size
💰
$19,556 Per Student
B+ Above Average

Clifford H Smart Middle School

📚 06 – 08 Middle
👥
906 Students
👨‍🏫
20.6:1 Class Size
💰
$21,318 Per Student
B+ Above Average

Oak Valley Middle School

📚 05 – 09 High School
👥
505 Students
👨‍🏫
20.0:1 Class Size
💰
$19,556 Per Student
B+ Above Average

Walled Lake Northern High School

📚 09 – 12 High School
👥
1,457 Students
👨‍🏫
21.8:1 Class Size
💰
$21,318 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

🎓 Nearby Colleges & Universities

8 Nearby 789 Off-Campus Students
C+
D&S School of Cosmetology
3 students · 7.8 mi
C
Marketti Academy of Cosmetology
45 students · 9.3 mi
C
Port Huron Cosmetology College
52 students · 9.4 mi
C
Paul Mitchell the School-Farmington Hills
105 students · 9.9 mi
C
Michigan School of Psychology
176 students · 10.1 mi
C
Schoolcraft Community College District
7,596 students · 12.4 mi
C+
Brighton Institute of Cosmetology
44 students · 12.9 mi
C
Cranbrook Academy of Art
119 students · 13.1 mi

Investor Insight: With 789 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

What are rental rates like in Commerce Township, MI?

Expect rents around $2,282/mo per month in Commerce Township, MI. With home values at $471K, the yield math works out to reasonable levels for rental investors.

Is rental property easy to operate in Commerce Township, MI?

Commerce Township, MI falls under MI landlord-tenant law, which is landlord-friendly. That backdrop makes day-to-day property management reasonable.

Is Commerce Township, MI a good market for buy-and-hold investors?

The 3.0/5 investability rating in Commerce Township, MI reflects its $471K prices and $2,282/mo rents. Investors generally consider it a solid option within MI.

What kind of vacancy should I budget for in Commerce Township, MI?

Commerce Township, MI carries elevated vacancy risk. Expect stable absorption at market rents of $2,282/mo.

Which investment style suits Commerce Township, MI?

For Commerce Township, MI, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.

You know 48382 now. You don’t know where it ranks.

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How 48382 ranks in Detroit-Warren-Dearborn, MI

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable → 1% Rule →
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