Real Estate Investing in Commerce, Texas (75428)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 75428 (Commerce, TX)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.
- High vacancy: 15.4% of homes vacant — above national norms.
What’s happening in Commerce, TX (75428)?
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Market Analysis: 75428 Commerce
The 75428 ZIP covers a section of Commerce that demands careful diligence. Prices near $209K look accessible, but the work to make a deal cash flow is real.
Rent of $1,193/mo on a $209K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 75428 sits below the stated 0.0% once reality is priced in.
Turning to rents, 75428 offers a low basis, the region around Commerce has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.
On balance, 11,587 residents fill the ZIP, renter turnover runs higher than neighboring postal codes and delinquency risk is a real line item rather than a theoretical one.
looks to the ZIP is not uninvestable, but it is unforgiving. Section 8 landlords, local operators, and specialized value-add funds are the investor types that tend to succeed.
Here's what matters if you're considering buying a home in Commerce:
Property Strategy for 75428
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $122,607 | $1,240 | 7.3% | +5.4% | $61,303 |
| 3BR | $203,714 | $1,560 | 5.5% | +6.6% | $67,905 |
| 4BR | $317,770 | $1,980 | 4.5% | +8.2% | $79,442 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 75428 Compare?
| Metric | 75428 | Commerce | Dallas-Fort Worth-Arlington, TX | Texas |
|---|---|---|---|---|
| Home Value | $209,308 | $104,654 | N/A | $297,000 |
| 5-Year CAGR | 3.8% | 3.8% | N/A | 5.4% |
| Avg Rent | $1,193 | $1,193 | N/A | - |
| Cap Rate | 4.5% | 4.5% | - | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 75428 (Commerce, TX). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $209,308 |
| Monthly Rent | $1,193 |
| Price-to-Rent | 14.6:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 6.8% |
| Cap Rate | 4.5% |
| 5-Year IRR | 8.3% |
📈 Home Appreciation
| 1-Year | -1.4% ▼ |
| 3-Year CAGR | -1.3% ▼ |
| 5-Year CAGR | +3.8% ▲ |
| 10-Year CAGR | +8.8% ▲ |
🏠 Rent Trends
| 1-Year | +5.5% ▲ |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.5%). 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.
Demographics in 75428
Population: 11,587
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 75428
Schools in This ZIP Code
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
Investor Insight: With 828 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
Does Commerce, TX favor landlords or tenants?
Commerce, TX operates under TX law, which is landlord-friendly overall for landlords. Expect consistent treatment in typical lease and eviction cases.
How does Commerce, TX rate as a rental market?
Commerce, TX scores 3.0/5 for investability. Home values sit at $209K and rents near $1,193/mo, which keeps the rent-to-price ratio in reasonable territory for buy-and-hold investors.
Are tenants stable in Commerce, TX?
Commerce, TX draws a consistent base of working renters. Demand at the $1,193/mo rent level is reasonable for standard single-family and small multi rentals.
How much is rent in Commerce, TX?
Commerce, TX rentals go for roughly $1,193/mo a month. That puts gross yield in solid territory relative to $209K acquisition costs.
What is the median home value in Commerce, TX?
Typical homes in Commerce, TX go for around $209K. The 5-year CAGR of 0.0% consistent price movement.
You know 75428 now. You don’t know where it ranks.
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How 75428 ranks in Dallas-Fort Worth-Arlington, TX
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