525 Maple St · Commerce, TX
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 7/10 · Major
- Est. fire insurance / yr
- $1,222 – $2,270
Heat risk 7/10 · Major
- Hot days now (above 110°F)
- 7 days/yr
- Hot days in 30 yrs
- 23 days/yr
Wind risk 6/10 · Moderate
- Chance of severe wind over 30 yrs
- 27.0%
Air-quality risk 2/10 · Minimal
- Unhealthy air days now
- 0 days/yr
- Unhealthy air days in 30 yrs
- 1 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the D- grade
The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).
- Cash flow +10.8/30.0
- ARV discount +10.1/15.0
- 1% rule +3.9/10.0
- Livability +3.2/5.0
- DSCR +3.1/10.0
- Rent growth +2.5/5.0
- Condition / age +2.5/5.0
- Schools +2.3/10.0
- Appreciation +0.0/10.0
$129,999
🖨 Deal sheet 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Here's your chance to take advantage of a major price improvement! Sellers are motivated and ready for offers. Welcome to 525 Maple Street, a charming home on just OVER HALF OF AN ACRE corner lot just minutes from a city park and splash pad. This attractive two-bedroom, one-bath residence offers substantial potential for future enhancement. Walk through the front door to a welcoming living area featuring hardwood floors. The kitchen offers abundant cabinet storage, generous counter space, and is open to the oversized dining area with views of the backyard. The two bedrooms also show off their original hardwood floors. The utility room with full sized washer and dryer hookups is just off the kitchen and boasts its own door to the backyard. Step outside to a very large, fenced backyard shaded by mature trees; perfect for relaxing, entertaining, or starting your next garden project. ROOM FOR PETS TO RUN AND CHILDREN TO PLAY! The 8’ X 12’ shed provides storage for lawn equipment or a shop to tinker in. Whether you move right in or bring your vision for a remodel, this is a wonderful place to call HOME.
Key facts
- Fenced backyard
- Corner lot
- Hardwood floors
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a 2-bed/2.0-bath single-family listed at $130k.
Deal economics
- At list price, monthly cash flow is $-59 ($-705/yr) — negative.
- To cash-flow at today's rent, offer at most $120k (8.0% below list).
- To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $116k (11.0% below list).
- Recommended offer: $114k (12.0% below list) — sets the bar for market timing.
- Cap rate 5.8% vs local median 2.1% in Commerce — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.
Location & tenants
- Location reads 64/100 on livability (#737 in TX) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A-; Watch: crime C-, schools F, amenities F.
- Commerce ISD (rural): math 23% / reading 33% proficiency, ranked #687 of 826 in TX (top 83%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 62% free/reduced lunch — lower-income household profile, screen leases tightly.
- Market conditions: 207 active listings in the ZIP; 20 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); 1,289 units permitted in Hunt County in 2024 (527 in 5+ unit buildings).
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $899 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
- Hunt County population projected at +15% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
Negotiation context
- It's been on market 227 days — a 12% lower offer ($114k) is reasonable based on typical stale-listing flexibility.
- 6 sale attempts since 20y ago; this cycle's ask has dropped $30k (19%) from the opening price — seller is motivated, your offer sets the floor, not the list.
Risks & watch-outs
- Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
- It's been on market 227 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
- Built in 1973 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
- The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
- What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
- What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
- How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.
Investment metrics
- 1% rule
- 0.89% ✗
- Cap rate
- 5.75%
- Cash-on-cash
- -1.94%
- DSCR
- 0.91
- GRM
- 9.4
CMA / ARV
- ARV (median comp)
- $137,867
- List price
- $129,999
- Delta
- -5.71%
- Verdict
- FAIR
- Comps
- 20 within 1.0 mi
Show comp detail 3 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 525 Maple St | 0.00mi | 2/1.0 | 924 (0%) | 0mo | $129,999 | $141 | 96 |
| 501 Chestnut | 0.26mi | 2/1.0 | 956 (+4%) | 23mo | $119,900 | $125 | 59 |
| 2009 Pecan St | 0.39mi | 2/2.0 | 1,014 (+10%) | 22mo | $95,000 | $94 | 47 |
Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.
Projected returns pro-forma
-3.0% appreciation · 3.0% rent growth · sell at horizon
- IRR
- -19.4%
- Equity multiple
- 0.32×
- Total profit
- $-24,744
- Equity at exit
- $19,383
- IRR
- -12.0%
- Equity multiple
- 0.28×
- Total profit
- $-26,106
- Equity at exit
- $11,240
Cash invested: $36,400 (down + closing). Projections, not guarantees.
Landlord ↔ Tenant lean methodology
- Overall (STATE)
- 87 Strongly Landlord-Friendly
- State Texas
- 87 Strongly Landlord-Friendly · R+5
- County
- — inherits STATE
- City
- — inherits STATE
ZIP-level market 75428
- Home prices YoY
- -6.5%
- Active inventory
- 207
- Price-to-rent
- 9.4×
Monthly cashflow live
- Estimated rent
- $1,157 high interval (Pro) →
- Mortgage (P&I)
- −$682
- Tax from tax record
- −$237 /mo · $2,847/yr
- Insurance
- −$54
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$243
- Net cashflow
- $-59
Break-even live
UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt
Financing live
Cash to close
- Down payment
- $32,500
- Closing costs
- $3,900
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 20 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 409 Maple St Unit 409A Commerce, TX | 3.0 | 2.0 | 1098 | $1,125 | $1.02 | 24d | 1 | 0.18mi |
| 2004 Pecan St Commerce, TX | 2.0 | 3.0 | 1014 | $1,200 | $1.18 | 43d | 1 | 0.36mi |
| 1613 Park St Commerce, TX | 1.0 | 1.0 | 750 | $845 | $1.13 | 43d | 1 | 0.41mi |
| 801 Culver St Unit A05 Commerce, TX | 2.0 | 1.5 | 870 | $1,025 | $1.18 | 1d | 1 | 0.48mi |
| 801 Culver St Unit C209 Commerce, TX | 3.0 | 1.0 | 1053 | $1,175 | $1.12 | 19d | 1 | 0.48mi |
| 800 Sycamore St Commerce, TX | 2.0 | 2.0 | 1045 | $1,200 | $1.15 | 43d | 1 | 0.51mi |
| 801 Culver St Unit D209 Commerce, TX | 2.0 | 2.0 | 770 | $1,250 | $1.62 | 1d | 1 | 0.53mi |
| 1313 Hunt St Commerce, TX | 3.0 | 2.0 | 1100 | $2,400 | $2.18 | 43d | 1 | 0.54mi |
| 1004 Park St Commerce, TX | 2.0 | 1.0 | 665 | $700 | $1.05 | 1d | 1 | 0.76mi |
| 1004 Park St Commerce, TX | 3.0 | 1.0 | 1082 | $925 | $0.85 | 17d | 1 | 0.76mi |
| 1618 Bois D'Arc St Unit 102 Commerce, TX | 2.0 | 2.0 | 1000 | $895 | $0.90 | 22d | 1 | 0.80mi |
| 1814 Hunt St Unit 1303 Commerce, TX | 2.0 | 1.0 | 700 | $925 | $1.32 | 43d | 1 | 0.89mi |
| 1814 Hunt St Commerce, TX | 1.0–2.0 | 1.0–2.0 | 715 | $1,050 | $1.47 | 1d | 7 | 0.89mi |
| 1814 Hunt St Unit 1809 Commerce, TX | 2.0 | 1.5 | 872 | $995 | $1.14 | 43d | 1 | 0.89mi |
| 1814 Hunt St Unit 1805 6 Commerce, TX | 2.0 | 1.5 | 872 | $995 | $1.14 | 24d | 1 | 0.89mi |
| 1315 Oneal St Commerce, TX | 3.0 | 2.0 | 1007 | $1,600 | $1.59 | 1d | 1 | 0.90mi |
| 1315 Oneal St Unit B Commerce, TX | 3.0 | 2.0 | 1007 | $1,275 | $1.27 | 1d | 1 | 0.90mi |
| 904 N Neal St Commerce, TX | 2.0 | 1.0 | 1033 | $1,250 | $1.21 | 12d | 1 | 0.95mi |
| 904 N Neal St Commerce, TX | 2.0 | 1.0 | 1033 | $1,250 | $1.21 | 15d | 1 | 0.95mi |
| 811 Bishop St Commerce, TX | 2.0 | 1.0 | 810 | $850 | $1.05 | 43d | 1 | 1.06mi |
Listing history 27 events
-
2026-05-17status Pending 1127-char remark
Show marketing remark (1127 chars)
Here's your chance to take advantage of a major price improvement! Sellers are motivated and ready for offers. Welcome to 525 Maple Street, a charming home on just OVER HALF OF AN ACRE corner lot just minutes from a city park and splash pad. This attractive two-bedroom, one-bath residence offers substantial potential for future enhancement. Walk through the front door to a welcoming living area featuring hardwood floors. The kitchen offers abundant cabinet storage, generous counter space, and is open to the oversized dining area with views of the backyard. The two bedrooms also show off their original hardwood floors. The utility room with full sized washer and dryer hookups is just off the kitchen and boasts its own door to the backyard. Step outside to a very large, fenced backyard shaded by mature trees; perfect for relaxing, entertaining, or starting your next garden project. ROOM FOR PETS TO RUN AND CHILDREN TO PLAY! The 8’ X 12’ shed provides storage for lawn equipment or a shop to tinker in. Whether you move right in or bring your vision for a remodel, this is a wonderful place to call HOME.
-
2026-03-31price $129,999 1127-char remark
Show marketing remark (1127 chars)
Here's your chance to take advantage of a major price improvement! Sellers are motivated and ready for offers. Welcome to 525 Maple Street, a charming home on just OVER HALF OF AN ACRE corner lot just minutes from a city park and splash pad. This attractive two-bedroom, one-bath residence offers substantial potential for future enhancement. Walk through the front door to a welcoming living area featuring hardwood floors. The kitchen offers abundant cabinet storage, generous counter space, and is open to the oversized dining area with views of the backyard. The two bedrooms also show off their original hardwood floors. The utility room with full sized washer and dryer hookups is just off the kitchen and boasts its own door to the backyard. Step outside to a very large, fenced backyard shaded by mature trees; perfect for relaxing, entertaining, or starting your next garden project. ROOM FOR PETS TO RUN AND CHILDREN TO PLAY! The 8’ X 12’ shed provides storage for lawn equipment or a shop to tinker in. Whether you move right in or bring your vision for a remodel, this is a wonderful place to call HOME.
-
2026-03-11price $132,000 1127-char remark
Show marketing remark (1127 chars)
Here's your chance to take advantage of a major price improvement! Sellers are motivated and ready for offers. Welcome to 525 Maple Street, a charming home on just OVER HALF OF AN ACRE corner lot just minutes from a city park and splash pad. This attractive two-bedroom, one-bath residence offers substantial potential for future enhancement. Walk through the front door to a welcoming living area featuring hardwood floors. The kitchen offers abundant cabinet storage, generous counter space, and is open to the oversized dining area with views of the backyard. The two bedrooms also show off their original hardwood floors. The utility room with full sized washer and dryer hookups is just off the kitchen and boasts its own door to the backyard. Step outside to a very large, fenced backyard shaded by mature trees; perfect for relaxing, entertaining, or starting your next garden project. ROOM FOR PETS TO RUN AND CHILDREN TO PLAY! The 8’ X 12’ shed provides storage for lawn equipment or a shop to tinker in. Whether you move right in or bring your vision for a remodel, this is a wonderful place to call HOME.
-
2026-01-20price $134,900 1127-char remark
Show marketing remark (1127 chars)
Here's your chance to take advantage of a major price improvement! Sellers are motivated and ready for offers. Welcome to 525 Maple Street, a charming home on just OVER HALF OF AN ACRE corner lot just minutes from a city park and splash pad. This attractive two-bedroom, one-bath residence offers substantial potential for future enhancement. Walk through the front door to a welcoming living area featuring hardwood floors. The kitchen offers abundant cabinet storage, generous counter space, and is open to the oversized dining area with views of the backyard. The two bedrooms also show off their original hardwood floors. The utility room with full sized washer and dryer hookups is just off the kitchen and boasts its own door to the backyard. Step outside to a very large, fenced backyard shaded by mature trees; perfect for relaxing, entertaining, or starting your next garden project. ROOM FOR PETS TO RUN AND CHILDREN TO PLAY! The 8’ X 12’ shed provides storage for lawn equipment or a shop to tinker in. Whether you move right in or bring your vision for a remodel, this is a wonderful place to call HOME.
-
2026-01-07price $144,900 1127-char remark
Show marketing remark (1127 chars)
Here's your chance to take advantage of a major price improvement! Sellers are motivated and ready for offers. Welcome to 525 Maple Street, a charming home on just OVER HALF OF AN ACRE corner lot just minutes from a city park and splash pad. This attractive two-bedroom, one-bath residence offers substantial potential for future enhancement. Walk through the front door to a welcoming living area featuring hardwood floors. The kitchen offers abundant cabinet storage, generous counter space, and is open to the oversized dining area with views of the backyard. The two bedrooms also show off their original hardwood floors. The utility room with full sized washer and dryer hookups is just off the kitchen and boasts its own door to the backyard. Step outside to a very large, fenced backyard shaded by mature trees; perfect for relaxing, entertaining, or starting your next garden project. ROOM FOR PETS TO RUN AND CHILDREN TO PLAY! The 8’ X 12’ shed provides storage for lawn equipment or a shop to tinker in. Whether you move right in or bring your vision for a remodel, this is a wonderful place to call HOME.
-
2025-10-28price $149,900 1127-char remark
Show marketing remark (1127 chars)
Here's your chance to take advantage of a major price improvement! Sellers are motivated and ready for offers. Welcome to 525 Maple Street, a charming home on just OVER HALF OF AN ACRE corner lot just minutes from a city park and splash pad. This attractive two-bedroom, one-bath residence offers substantial potential for future enhancement. Walk through the front door to a welcoming living area featuring hardwood floors. The kitchen offers abundant cabinet storage, generous counter space, and is open to the oversized dining area with views of the backyard. The two bedrooms also show off their original hardwood floors. The utility room with full sized washer and dryer hookups is just off the kitchen and boasts its own door to the backyard. Step outside to a very large, fenced backyard shaded by mature trees; perfect for relaxing, entertaining, or starting your next garden project. ROOM FOR PETS TO RUN AND CHILDREN TO PLAY! The 8’ X 12’ shed provides storage for lawn equipment or a shop to tinker in. Whether you move right in or bring your vision for a remodel, this is a wonderful place to call HOME.
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2025-10-01$159,900 Active 1127-char remark
Show marketing remark (1127 chars)
Here's your chance to take advantage of a major price improvement! Sellers are motivated and ready for offers. Welcome to 525 Maple Street, a charming home on just OVER HALF OF AN ACRE corner lot just minutes from a city park and splash pad. This attractive two-bedroom, one-bath residence offers substantial potential for future enhancement. Walk through the front door to a welcoming living area featuring hardwood floors. The kitchen offers abundant cabinet storage, generous counter space, and is open to the oversized dining area with views of the backyard. The two bedrooms also show off their original hardwood floors. The utility room with full sized washer and dryer hookups is just off the kitchen and boasts its own door to the backyard. Step outside to a very large, fenced backyard shaded by mature trees; perfect for relaxing, entertaining, or starting your next garden project. ROOM FOR PETS TO RUN AND CHILDREN TO PLAY! The 8’ X 12’ shed provides storage for lawn equipment or a shop to tinker in. Whether you move right in or bring your vision for a remodel, this is a wonderful place to call HOME.
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2019-01-09soldstatus Sold 533-char remark
Show marketing remark (533 chars)
Cute, clean house on large corner lot with fenced back yard and storage building. Original hardwood floors in living room and bedrooms. Pine walls in kitchen area. French doors lead to large back yard. Newly painted cabinets in kitchen and bath. Updated counter tops. 12 inches of insulation was blown into attic last winter. AC unit has been updated in the past couple of years. Includes refrigerator and the washer and dryer. Would make a great first home or investment property. Buyer and buyer's agent to verify all information.
-
2019-01-09soldstatus
Show marketing remark (533 chars)
Cute, clean house on large corner lot with fenced back yard and storage building. Original hardwood floors in living room and bedrooms. Pine walls in kitchen area. French doors lead to large back yard. Newly painted cabinets in kitchen and bath. Updated counter tops. 12 inches of insulation was blown into attic last winter. AC unit has been updated in the past couple of years. Includes refrigerator and the washer and dryer. Would make a great first home or investment property. Buyer and buyer's agent to verify all information.
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2018-12-17status Pending 533-char remark
Show marketing remark (533 chars)
Cute, clean house on large corner lot with fenced back yard and storage building. Original hardwood floors in living room and bedrooms. Pine walls in kitchen area. French doors lead to large back yard. Newly painted cabinets in kitchen and bath. Updated counter tops. 12 inches of insulation was blown into attic last winter. AC unit has been updated in the past couple of years. Includes refrigerator and the washer and dryer. Would make a great first home or investment property. Buyer and buyer's agent to verify all information.
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2018-12-04historical Active Option Contract 533-char remark
Show marketing remark (533 chars)
Cute, clean house on large corner lot with fenced back yard and storage building. Original hardwood floors in living room and bedrooms. Pine walls in kitchen area. French doors lead to large back yard. Newly painted cabinets in kitchen and bath. Updated counter tops. 12 inches of insulation was blown into attic last winter. AC unit has been updated in the past couple of years. Includes refrigerator and the washer and dryer. Would make a great first home or investment property. Buyer and buyer's agent to verify all information.
-
2018-11-24status Active 533-char remark
Show marketing remark (533 chars)
Cute, clean house on large corner lot with fenced back yard and storage building. Original hardwood floors in living room and bedrooms. Pine walls in kitchen area. French doors lead to large back yard. Newly painted cabinets in kitchen and bath. Updated counter tops. 12 inches of insulation was blown into attic last winter. AC unit has been updated in the past couple of years. Includes refrigerator and the washer and dryer. Would make a great first home or investment property. Buyer and buyer's agent to verify all information.
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2018-11-18historical Active Option Contract 533-char remark
Show marketing remark (533 chars)
Cute, clean house on large corner lot with fenced back yard and storage building. Original hardwood floors in living room and bedrooms. Pine walls in kitchen area. French doors lead to large back yard. Newly painted cabinets in kitchen and bath. Updated counter tops. 12 inches of insulation was blown into attic last winter. AC unit has been updated in the past couple of years. Includes refrigerator and the washer and dryer. Would make a great first home or investment property. Buyer and buyer's agent to verify all information.
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2018-11-16$69,900 Active 533-char remark
Show marketing remark (533 chars)
Cute, clean house on large corner lot with fenced back yard and storage building. Original hardwood floors in living room and bedrooms. Pine walls in kitchen area. French doors lead to large back yard. Newly painted cabinets in kitchen and bath. Updated counter tops. 12 inches of insulation was blown into attic last winter. AC unit has been updated in the past couple of years. Includes refrigerator and the washer and dryer. Would make a great first home or investment property. Buyer and buyer's agent to verify all information.
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2017-10-10soldstatus
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2015-04-01soldstatus
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2015-03-31soldstatus Sold
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2015-03-06status Pending
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2015-03-04status Active
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2015-03-04status Pending
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2015-02-26historical Active Option Contract
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2015-02-19$49,900 Active
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2015-02-19soldstatus
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2006-02-23soldstatus
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2006-02-21soldstatus
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2006-02-08$55,000
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2006-02-08historical
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
Tax reassessment forecast TX · Resets to sale price
- Current annual tax
- $2,847 · $237/mo
- Projected year-2 tax
- $2,847 · $237/mo
- Expected delta
- $0/yr ($0/mo · 0.0%)
ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.
Climate risk First Street
- Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
- Wildfire 7/10 Severe
- Heat 7/10 Severe 7 d/yr ≥110°F today · 23 d/yr by 30 yrs out
- Wind 6/10 Major 27% chance of damaging wind over 30 yrs
- Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $13,889
- − Mortgage interest
- −$7,282
- − Property taxes
- −$2,847
- − Insurance
- −$650
- − Repairs & maintenance
- −$1,111
- − Management
- −$1,111
- − Depreciation
- −$3,782
- Taxable loss
- −$2,893
- Est. tax savings @ 24.0%
- +$694
- After-tax cash flow
- $-11/yr
For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.
Schools (NCES district)
- District
- Commerce ISD
- NCES district ID
- 4814820
- Math proficiency
- 23% ▼ -10.00%
- Reading proficiency
- 33% ▬ 0.00%
- Median HH income
- $34,295
- Composite
- 23.01/100
- National rank
- #7977
- State rank
- #687 of 826 in TX
Livability — Commerce
- Score
- 64/100
- State rank
- #737
- US rank
- #13696
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Commerce, TX
- County
- Hunt County · 71,969 people
- City population
- 11,531
- Metro
- Dallas-Fort Worth-Arlington, TX
- Population (ZIP)
- 11,531
- Household income
- $51,424
- Rent vs Own
- Severe rent burden
- 546.0
Population outlook (Hunt County) Hauer SSP2
- Today (2025)
- 97,090 people
- By 2030
- 100,452 · +3.5%
- By 2040
- 106,544 · +9.7%
- By 2050
- 111,218 · +14.6%
- By 2075
- 121,695 · +25.3%
- By 2100
- 123,683 · +27.4%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Diverse neighborhood (Simpson 0.63)
- Race & ethnicity
- White 55% Hispanic / Latino 23% Black 14% Two or more races 9% Asian 2% Native American 1%
- Hispanic origin (detail)
- Mexican 19%
- Common ancestry
- Slovak 2% Romanian 2% Lithuanian 2%
- Foreign-born
- 9% · Canada, China
- Languages at home
- 79% English-only · Spanish 16% Other Indo-European 1% German/W. Germanic 1%
Political lean MEDSL · Hunt
- 2024 margin
- Solid R (+55.5) · D 21.9% · R 77.4%
- 2008→2024 swing
- -14.9pp toward R · 2008: -40.6pp · 2024: -55.5pp
- All cycles
- 2024: R+55.5 2020: R+52.5 2016: R+56.3 2012: R+51.2 2008: R+40.6
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -20.08%
- Current HPI
- 289.0436
- Rent YoY
- —
- Metro
- Dallas-Fort Worth-Arlington, TX
- State GDP YoY
- ▲ 3.95%
- F500 in state
- 110
Industry mix (Fortune 500 HQ in TX)
| Industry | F500 HQs | Revenue |
|---|---|---|
| Energy | 16 | $1,198B |
|
||
| Technology | 5 | $198B |
|
||
| Engineering / Construction | 4 | $72B |
|
||
| Energy Services | 3 | $60B |
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| Utilities | 3 | $41B |
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| Healthcare | 2 | $330B |
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Price history
+136.4% since first listed27 events — show timeline
- 2026-05-17 Pending — NTREIS
- 2026-03-31 Price Changed $129,999 NTREIS
- 2026-03-11 Price Changed $132,000 NTREIS
- 2026-01-20 Price Changed $134,900 NTREIS
- 2026-01-07 Price Changed $144,900 NTREIS
- 2025-10-28 Price Changed $149,900 NTREIS
- 2025-10-01 Listed $159,900 NTREIS
- 2019-01-09 Sold (Public Records) — Public Records
- 2019-01-09 Sold (MLS) — NTREIS
- 2018-12-17 Pending — NTREIS
- 2018-12-04 Contingent — NTREIS
- 2018-11-24 Relisted — NTREIS
- 2018-11-18 Contingent — NTREIS
- 2018-11-16 Listed $69,900 NTREIS
- 2017-10-10 Sold (Public Records) — Public Records
- 2015-04-01 Sold (Public Records) — Public Records
- 2015-03-31 Sold (MLS) — NTREIS
- 2015-03-06 Pending — NTREIS
- 2015-03-04 Relisted — NTREIS
- 2015-03-04 Pending — NTREIS
- 2015-02-26 Contingent — NTREIS
- 2015-02-19 Listed $49,900 NTREIS
- 2015-02-19 Sold (Public Records) — Public Records
- 2006-02-23 Sold (Public Records) — Public Records
- 2006-02-21 Sold (MLS) — NTREIS
- 2006-02-08 Listing Removed — NTREIS
- 2006-02-08 Listed $55,000 NTREIS
Property tax history
+6.6%/yrLatest (2025): $2,847 · +11.3% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…