ZIP Code 75428 — Commerce city, TX Demographics & Data

ZIP code 75428 covers Commerce, TX in Hunt County with a population of about 11,587.

At a glance, the area shows median age of 26.6 versus a U.S. median of about 38.9.

It sits in telephone area codes 430, 903; U.S. House district TX-3; the DALLAS - FT. WORTH media market.

Commerce, TX sits in a university / college context (near east texas a&m university (2.4 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 75428 is about $48,372 — about 36% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 25.4%; unemployment rate near 3.8%; 23.4% of adults with a bachelor’s degree or higher (about 10.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Healthcare, and Retail trade; about 10.3% of workers reporting work-from-home (about 4.9 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $145,600 — about 58% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $774 (about 33% below the U.S. median rent ($1,163)), and owner-occupancy near 51.1% (about 14.3 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 75428 in Commerce, TX, a household would need roughly $40,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $935. That sits below the local median household income ($48,372), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Commerce city, TX as Relatively Moderate (composite score 82.2), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (76.9) and flood (71.7). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Commerce city, TX show little to no average snow and around 47.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 547 for ZIP 75428 (Commerce city, TX) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.