Median Income
$35,298
53% lower than US avg
Home Value
$71,500
75% lower than US avg
Violent Crime
376/100K
1% lower than US avg
Bachelor's+
8.9%
74% lower than US avg
Median Rent
$681
41% lower than US avg
Obesity Rate
45.1%
40% higher than US avg
Unemployment
2.4%
33% lower than US avg
Poverty Rate
32.7%
164% higher than US avg
How Commerce Compares to the U.S. Average (100% = U.S. avg)
People
Population2,259
Median Age33.1 yrs
Density978/mi²
Male / Female51% / 49%
Largest GroupWhite 52%
Veterans6.1%
Economy
C
Median Income$35,298
Per Capita$19,844
Unemployment2.4%
Poverty32.7%
County GDP$1,438M
Commute14 min
Housing
A+
Home Value$71,500
Rent$681
Ownership64.4%
Zillow$68,809
Housing Units1,030
Rent Burden34.1%
Crime
F
Violent376/100K
Property836/100K
Murder41.8/100K
Assault334/100K
Burglary376/100K
Health
Obesity45.1%
Uninsured19.2%
Smoking25.4%
Depression27.9%
Heart Disease8.5%
Climate
Avg Temp59°F (15°C)
AQI45 (Good)
Sunny Days318/yr
Elevation791 ft (241 m)
Education
D
Bachelor's+8.9%
High School+75.2%
Graduate+3.4%
School Score4.84
Community
2024 VoteR 76% / D 22%
Commute14 min
Broadband79.9%
EV Stations2
Libraries1
Is Commerce a Good Place to Live?
Based on current data, Commerce receives an overall livability score of 2.5 out of 5.0, earning a grade of C+. Key strengths include low unemployment, affordable housing, abundant sunshine. Areas to be aware of include an elevated poverty rate, a high uninsured rate, below-average incomes. Commerce has some notable strengths but also faces challenges that prospective residents should consider.
Economy & Jobs
The median household income in Commerce is $35,298, 53% below the national average of $75,149. The job market is very strong with unemployment at just 2.4%. The poverty rate of 32.7% exceeds the national average of 12.4%, indicating economic hardship for a significant portion of the population. Workers commute an average of 14 minutes, shorter than most U.S. cities.
Cost of Living & Housing
The median home value in Commerce is $71,500, 75% below the national median / offering relatively affordable homeownership. Renters pay a median of $681 per month, below the national average / a plus for affordability. At just 2x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Violent crime in Commerce is below the national average at 376 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 836 per 100,000, 57% below the national average.
Education
8.9% of residents hold a bachelor's degree, below the national average of 33.7%. 75.2% have completed high school. Area schools have an average test score of 4.8/10.
Climate & Weather
Commerce enjoys a moderate climate with an average annual temperature of 59°F. Winters average 36°F in January while summers reach 80°F in July. With 318 sunny days per year, residents enjoy well above the national average of sunshine. Air quality is rated Good with a median AQI of 45.
Commerce has a population of 2,259 with a density of 978 people per square mile, spread across 2.3 square miles. The median age is 33.1 years, 15% younger than the national median of 38.9. The gender split is 49.2% female and 50.8% male. The city is predominantly White (51.9%), with 22.8% Hispanic. English is the primary language spoken at home by 80.5% of residents, while 19.5% speak Spanish. 6.1% of the population are veterans. 19.9% of residents have a disability (above the 13.0% national average). 79.7% have health insurance coverage.
Population
33.1yrs
Median Age
15% below US avg
Language Spoken at Home
English Only
80.5%
3% above US avg
Spanish
19.5%
46% above US avg
The median household income in Commerce is $35,298, which is 53% below the national average of $75,149. Per capita income is $19,844 (below the $39,052 national figure). The average weekly wage is $871, 39% lower than the U.S. average. The unemployment rate is 2.4% (below the 3.6% US average). 32.7% of residents live below the poverty line, higher than the national rate of 12.4%. The area has 775 business establishments, including 52 restaurants. The cost of living index is 87.8, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 14 minutes (shorter than the 28-minute US average). 3.3% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $35,298 |
| 53% below US avg |
| Per Capita Income | $19,844 |
| Avg Weekly Wage | $871 |
| IRS Avg AGI | $48,966 |
| Gini Index | 0.449 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 2.4% |
| 33% below US avg |
| Poverty Rate | 32.7% |
| 164% above US avg |
| Establishments (County) | 775 |
| County GDP | $1,438M |
Business (County)
| Restaurants | 52 |
| Healthcare | 73 |
| Retail | 89 |
| Manufacturing | 41 |
Tax & Cost of Living
| Property Tax (IRS) | $2,121 |
| 39% below US avg |
| Cost of Living | 87.80 (100=avg) |
| Effective Tax Rate | 2.97% |
Commute & Transportation
| Commute Time | 14.4 min |
| Drive Alone | 84.4% |
| Public Transit | 0.0% |
| Work from Home | 3.3% |
The median home value in Commerce is $71,500, 75% below the national median of $281,900. Zillow estimates the typical home value at $68,809. Homes sell for 109.2% of their list price, indicating a competitive market where bidding wars are common. Monthly rent averages $681 (41% below the national average of $1,163). Fair market rent ranges from $791 for a one-bedroom to $995 for a two-bedroom apartment. 64.4% of housing units are owner-occupied. There are 1,030 total housing units in the city. The median year a home was built is 1959. The average annual property tax is $2,121 (lower than the $3,500 national average). 34.1% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2x, well within the affordable range.
Home Values
| Census Median | $71,500 |
| 75% below US avg |
| Zillow ZHVI | $68,809 |
Real Estate Market (Redfin)
| $/Sq Ft | $42 |
| Homes Sold | 1 |
| Sale-to-List Ratio | 109.2% |
| Price Drops | 0.0% |
Rental Costs
| Census Median Rent | $681 |
| 41% below US avg |
| Rent Burden | 34.1% |
HUD Fair Market Rent
| Studio | $744 |
| 1 Bedroom | $791 |
| 2 Bedrooms | $995 |
| 3 Bedrooms | $1,297 |
| 4 Bedrooms | $1,501 |
Ownership & Property
| Homeownership | 64.4% |
| Owner-Occupied | 64.4% |
| Renter-Occupied | 35.6% |
| Housing Units | 1,030 |
| Median Year Built | 1959 |
Property Tax
| Avg Tax (IRS) | $2,121 |
| 39% below US avg |
| Effective Rate | 2.97% |
In Commerce, 45.1% of adults are obese, above the national rate of 32.1%. 15.4% have diabetes (above the 10.5% national rate). Heart disease affects 8.5% of residents, above the national average. 39.4% have high blood pressure. 25.4% are current smokers (above the 14.0% national rate). 13.5% report binge drinking. 42.7% are physically inactive, above the national average. 27.9% report depression (above the 20.0% national average). 21.9% experience frequent mental distress. 19.2% of residents lack health insurance (above the 8.6% national rate). The primary care physician ratio is 1:2,167. The dentist ratio is 1:6,068. 35.1% of residents have access to exercise opportunities. The food environment index is 6.4 out of 10.
Health Metrics: Commerce vs U.S. Average (%)
Chronic Conditions
| Obesity | 45.1% |
| 40% above US avg |
| Diabetes | 15.4% |
| Heart Disease | 8.5% |
| High Blood Pressure | 39.4% |
| Asthma | 12.8% |
| COPD | 11.4% |
| Cancer | 6.6% |
| Stroke | 4.7% |
Behaviors & Mental Health
| Smoking | 25.4% |
| 81% above US avg |
| Binge Drinking | 13.5% |
| Physical Inactivity | 42.7% |
| Depression | 27.9% |
| Mental Distress | 21.9% |
| Physical Distress | 18.9% |
| Short Sleep | 42.8% |
Healthcare Access
| Insurance Rate | 79.7% |
| Uninsured | 19.2% |
| 123% above US avg |
| Primary Care | 1:2,167 |
| Dentists | 1:6,068 |
| Mental Health | 1:182 |
| Checkup Rate | 75.5% |
| Dental Visits | 41.5% |
| Premature Death | 15,080/100K |
Food & Exercise
| Food Environment | 6.4/10 |
| Exercise Access | 35.1% |
| Healthcare Facilities | 73 |
Commerce has a violent crime rate of 376 per 100,000 residents, 1% below the national average of 380. This breaks down to aggravated assault at 334.5 per 100,000, robbery at 0.0, rape at 0.0. The murder rate is 41.8 per 100,000 (above the national rate of 6.3). Property crime stands at 836 per 100,000, 57% below the U.S. average. This includes larceny/theft at 334, burglary at 376, vehicle theft at 125 per 100,000 residents. The county recorded 13 fatal traffic crashes. Overall, Commerce receives a safety grade of F.
Crime Rates: Commerce vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 376.3/100K |
| 1% below US avg |
| Murder | 41.8/100K |
| 564% above US avg |
| Rape | 0.0/100K |
| Robbery | 0.0/100K |
| Assault | 334.5/100K |
Property Crime
| Total Property | 836.1/100K |
| 57% below US avg |
| Burglary | 376.3/100K |
| Theft | 334.5/100K |
| Vehicle Theft | 125.4/100K |
| Arson | 0.0/100K |
Traffic Safety
| Fatal Crashes (County/yr) | 13 |
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Commerce enjoys a temperate climate with an average annual temperature of 59°F (15°C). Winters average 36°F in January while summers reach 80°F in July. The area gets 318 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Air quality is rated Good with a median AQI of 45. The city sits at an elevation of 791 feet.
Temperature
36°F Jan (2°C)
80°F Jul (27°C)
| Annual Average | 58.7°F |
| 9% above US avg |
| January Average | 36°F (2°C) |
| July Average | 80°F (27°C) |
| Sunny Days | 318 days/yr |
Geography
| Elevation | 791 ft (241 m) |
| Area | 2.3 sq mi (6.0 km²) |
| Population Density | 978/sq mi |
| Coordinates | 36.9349°N, 94.8615°W |
| Timezone | America/Chicago |
| County | Ottawa County County |
| Nearest Airport | Miami Regional (MIO)
2 miles away |
Precipitation & Snow
Wettest Month (May)
5.24"
Air Quality
| AQI Median | 45.0 |
| Rating | Good |
Air Pollutants (EPA 2023)
| Ozone (O₃) | 0.0454 ppm |
| PM2.5 (Fine Particles) | 10.0 μg/m³ |
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 76.1 / 100 |
| Social Vulnerability | 88.2 / 100 |
| Community Resilience | 29.5 / 100 |
Hazard Breakdown
| Tornado |
Relatively Moderate |
| Hurricane |
Very Low |
| Earthquake |
Relatively Low |
| Wildfire |
Relatively Low |
| Flood |
Relatively Moderate |
| Hail |
Relatively Low |
| Strong Wind |
Relatively High |
| Heat Wave |
Relatively Moderate |
| Winter Weather |
Relatively Moderate |
| Lightning |
Relatively Low |
| Ice Storm |
Very High |
| Drought |
Relatively High |
| Cold Wave |
Relatively Low |
| Landslide |
Relatively Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
6 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M2.8. Most recent: M2.8 on Mar 23, 2024.
| Mar 23, 2024 |
9 km SE of Foyil, Oklahoma |
M2.8 |
82 km |
| Jan 14, 2016 |
7 km W of Talala, Oklahoma |
M2.7 |
93 km |
| Apr 3, 2016 |
Arkansas-Oklahoma border region |
M2.7 |
141 km |
| Sep 3, 2015 |
6 km WSW of Vera, Oklahoma |
M2.6 |
112 km |
| May 21, 2010 |
2 km SW of Centerton, Arkansas |
M2.6 |
82 km |
| Apr 29, 2010 |
3 km SW of Centerton, Arkansas |
M2.5 |
83 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
722 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF5. Total: 226 fatalities, 2,211 injuries.
| Date |
Rating |
Distance |
Fatalities |
| May 22, 2011 |
EF5 |
27 km |
158 |
| May 10, 2008 |
EF4 |
26 km |
21 |
| May 4, 2003 |
EF4 |
58 km |
4 |
| Apr 26, 1991 |
EF4 |
94 km |
0 |
| Apr 24, 1975 |
EF4 |
28 km |
3 |
| Sep 27, 1959 |
EF4 |
36 km |
1 |
| Apr 3, 1956 |
EF4 |
21 km |
0 |
| May 25, 2024 |
EF3 |
74 km |
0 |
| May 22, 2019 |
EF3 |
29 km |
0 |
| May 22, 2019 |
EF3 |
69 km |
3 |
| May 22, 2011 |
EF3 |
51 km |
0 |
| Mar 12, 2006 |
EF3 |
94 km |
1 |
| Mar 12, 2006 |
EF3 |
95 km |
0 |
| Mar 12, 2006 |
EF3 |
81 km |
0 |
| Apr 21, 2005 |
EF3 |
69 km |
0 |
| May 4, 2003 |
EF3 |
59 km |
7 |
| May 4, 2003 |
EF3 |
77 km |
5 |
| May 4, 2003 |
EF3 |
18 km |
5 |
| Apr 19, 2000 |
EF3 |
69 km |
0 |
| Mar 26, 1983 |
EF3 |
57 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: UNNAMED (51,112 ac, 2014).
| Year |
Name |
Acres |
Distance |
| 2014 |
UNNAMED |
51,112 |
84 km |
| 2015 |
WOLF CREEK |
18,077 |
82 km |
| 2009 |
SAWMILL HOLLOW |
5,166 |
99 km |
| 1992 |
UNNAMED |
4,546 |
94 km |
| 2004 |
UNNAMED |
4,424 |
56 km |
| 1995 |
F128 |
4,210 |
100 km |
| 2024 |
NATURE FIRE |
3,744 |
99 km |
| 2015 |
LITTLE DEER |
3,709 |
91 km |
| 1986 |
UNNAMED |
3,427 |
19 km |
| 2007 |
UNNAMED |
3,160 |
65 km |
| 2016 |
RXBURN |
2,951 |
97 km |
| 1996 |
UNNAMED |
2,918 |
94 km |
| 2021 |
BRUSH CREEK |
2,814 |
62 km |
| 2004 |
UNNAMED |
2,661 |
65 km |
| 2020 |
TWIN PEAKS |
2,578 |
97 km |
| 2023 |
RX TWIN PEAKS |
2,560 |
97 km |
| 2002 |
ROUNDTPCOX |
2,248 |
90 km |
| 2021 |
BIG CREEK |
2,123 |
69 km |
| 1991 |
UNNAMED |
2,043 |
93 km |
| 1992 |
UNNAMED |
1,996 |
66 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
36°F (2°C) |
1.6 in |
Coldest, Driest |
| February |
39°F (4°C) |
2.0 in |
|
| March |
49°F (9°C) |
3.7 in |
|
| April |
58°F (14°C) |
4.0 in |
|
| May |
67°F (19°C) |
5.2 in |
Wettest |
| June |
75°F (24°C) |
4.5 in |
|
| July |
80°F (27°C) |
3.4 in |
Warmest |
| August |
79°F (26°C) |
3.5 in |
|
| September |
71°F (22°C) |
5.1 in |
|
| October |
60°F (15°C) |
3.8 in |
|
| November |
47°F (8°C) |
4.0 in |
|
| December |
38°F (3°C) |
2.5 in |
|
Commerce has a seasonal temperature swing of 45°F / from 36°F in January to 80°F in July. Total annual precipitation is 43.5 inches, with May being the wettest month (5.2") and January the driest (1.6").
Average costs for common services in Commerce. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$220 ($132–$351) |
| Specialist Visit |
$307 ($176–$483) |
| Urgent Care Visit |
$176 ($88–$307) |
| Emergency Room Visit |
$1,932 ($702–$4,390) |
| Dental Cleaning |
$114 ($66–$176) |
| Dental Filling |
$220 ($132–$351) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$40 ($22–$66) |
| Oil Change (Synthetic) |
$66 ($44–$105) |
| Brake Pad Replacement |
$263 ($132–$439) |
| Tire Rotation |
$35 ($18–$66) |
| New Tires (Set of 4) |
$527 ($351–$878) |
| Battery Replacement |
$176 ($88–$307) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$88 ($53–$132) |
| Electrician (Per Hour) |
$79 ($44–$123) |
| HVAC Repair |
$351 ($132–$702) |
| HVAC System Install |
$6,146 ($3,512–$10,536) |
| Roof Repair |
$878 ($351–$1,756) |
| Roof Replacement |
$7,902 ($4,829–$13,170) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,317 ($439–$3,073) |
| Divorce (Contested) |
$13,170 ($4,390–$26,340) |
| DUI Defense |
$4,390 ($1,756–$8,780) |
| Bankruptcy (Chapter 7) |
$1,317 ($702–$2,634) |
| Will Preparation |
$439 ($176–$878) |
| Trust Preparation |
$2,195 ($878–$4,390) |
View all 12 services
Personal Care
| Men's Haircut |
$22 ($13–$40) |
| Women's Haircut |
$48 ($26–$88) |
| Hair Coloring (Full) |
$132 ($66–$220) |
| Manicure |
$22 ($13–$40) |
| Pedicure |
$35 ($22–$57) |
| Massage (1 Hour) |
$70 ($44–$114) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.60 ($2.63–$4.83) |
| Dozen Eggs (per dozen) |
$3.07 ($2.20–$4.39) |
| Loaf of Bread |
$3.34 ($2.20–$4.83) |
| Chicken Breast (per lb) |
$3.95 ($2.63–$5.71) |
| Ground Beef (per lb) |
$4.83 ($3.51–$6.59) |
| Rice (per lb) |
$0.88 ($0.53–$1.58) |
View all 20 services
Utilities
| Electricity (Monthly) |
$123 ($70–$220) |
| Natural Gas (Monthly) |
$61 ($26–$132) |
| Water/Sewer (Monthly) |
$61 ($35–$105) |
| Internet (Monthly) |
$61 ($35–$88) |
| Cell Phone Plan (Monthly) |
$57 ($26–$88) |
| Cable TV (Monthly) |
$75 ($44–$132) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$176 ($66–$439) |
| Car Insurance (Annual) |
$1,756 ($1,054–$3,073) |
| Bus Pass (Monthly) |
$61 ($26–$114) |
| Taxi/Uber (5-Mile Ride) |
$13 ($7.02–$22) |
| Car Registration (Annual) |
$88 ($26–$220) |
| Driver's License Renewal |
$26 ($13–$66) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,054 ($527–$2,195) |
| Daycare (Toddler, Monthly) |
$878 ($439–$1,756) |
| After-School Care (Monthly) |
$351 ($176–$615) |
| Tutoring (Per Hour) |
$44 ($22–$88) |
| SAT/ACT Prep Course |
$878 ($351–$2,195) |
| Private School (K-12, Annual) |
$10,975 ($4,390–$26,340) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$53 ($26–$88) |
| Dog Vaccination (Annual) |
$88 ($44–$176) |
| Dog Grooming |
$53 ($26–$88) |
| Pet Boarding (Per Night) |
$35 ($18–$66) |
| Dog Spay/Neuter |
$263 ($132–$439) |
| Cat Spay/Neuter |
$176 ($88–$351) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $866 |
| Toddler | $748 |
| Preschool | $748 |
| Family Childcare (monthly) |
| Infant | $629 |
| Toddler | $578 |
| Preschool | $578 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Commerce
What is the population of Commerce?
Commerce has a population of 2,259 residents and is located in Oklahoma. The population density is 978 people per square mile, spread across 2.3 square miles. The median age of residents is 33.1 years, which is younger than the national median of 38.9 years. The population is 49.2% female and 50.8% male.
Is Commerce expensive to live in?
Commerce is more affordable than the national average, with a cost of living index of 87.8 / below the baseline of 100. The median household income is $35,298, 53% below the national average of $75,149. The median home value is $71,500 (75% below the U.S. median). Renters pay a median of $681 per month, below the national average of $1,163. The home price-to-income ratio is 2x, indicating housing is reasonably affordable relative to local income levels.
Is Commerce safe?
Commerce is safer than the national average, with a violent crime rate of 376 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 836 per 100,000 (below the national average). Overall, Commerce receives a safety grade of F based on combined crime data.
What is the weather like in Commerce?
Commerce enjoys a temperate climate with an average annual temperature of 59°F (15°C). Winter temperatures average 36°F in January, while summers reach an average of 80°F in July. The area receives 318 sunny days per year, well above the national average of 205. Air quality is rated Good with a median Air Quality Index (AQI) of 45.
How is the job market in Commerce?
The job market in Commerce is very strong, with unemployment at just 2.4% / well below the national rate of 3.6%. The average weekly wage is $871. There are 775 business establishments in the area, including 52 restaurants and food service locations. The average commute time is 14 minutes, and 3.3% of workers work from home.
How much does housing cost in Commerce?
The median home value in Commerce is $71,500. Zillow estimates the typical home value at $68,809. For renters, the median monthly rent is $681. Fair market rent is $791 for a 1-bedroom and $995 for a 2-bedroom apartment. The homeownership rate is 64.4%. The average annual property tax is $2,121.
How are the schools in Commerce?
Schools in Commerce have an average test score of 4.8 out of 10, below typical national benchmarks. Families may want to research individual school ratings. 8.9% of adults in Commerce hold a bachelor's degree or higher, below the national average of 33.7%. 75.2% have completed high school. 3.4% hold a graduate or professional degree.
How healthy is Commerce?
The obesity rate in Commerce is 45.1% (above the national rate of 32.1%). 25.4% of adults are smokers. 42.7% are physically inactive. 27.9% of residents report depression. 19.2% lack health insurance (above the national rate). 35.1% of residents have access to exercise opportunities. The primary care physician ratio is 1:2,167.
What is transportation like in Commerce?
The average commute in Commerce is 14 minutes, shorter than the national average of 28 minutes. 84.4% of workers drive alone to work, and 3.3% work from home.
What are the demographics of Commerce?
The racial and ethnic makeup of Commerce is 51.9% White, 0.9% Black or African American, 22.8% Hispanic or Latino. 80.5% of residents speak only English at home, while 19.5% speak Spanish. 6.1% of the population are military veterans. 19.9% of residents have a disability. 79.7% have health insurance coverage.
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