Commerce, TX · standard
ZIP Code 75428
Hunt County, Texas - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 10,089
- 45/sq mi Moderate-density area
- $51,424
- Median income Below-median income area
- $162,500
- Median home value Below-median home value
- 27.3%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Commerce pairs one of the lowest household incomes in the country with below-median home values, in a rural, mixed-tenure area.
- 16th pct
- household income, US ZIPs
- 31st pct
- home value, US ZIPs
- 45
- people per sq mi
- 52%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 75428 against every reporting US ZIP.
ZIP code 75428 is a mid-sized community (a standard USPS delivery area) in Commerce, Hunt County, Texas, home to 10,089 residents across 222.7 square miles, a density of 45 people per square mile, in the Chicago time zone.
ZIP 75428 reports a modest median household income of $51,424 (32% below the average Texas ZIP), while per-capita income is $23,846. The poverty rate is 22.6%, so the area-level income figures should not be treated as typical household experience. Home values sit below the statewide ZIP benchmark: the median is $162,500 (34% below the average Texas ZIP), and median rent is $913; owner occupancy is 51.9%.
Educational attainment sits below the national norm: 27.3% of adults hold a bachelor's degree or higher, the median age is 28.8, and the average commute is 20 minutes. The page also surfaces 3 ZIP codes within roughly 10 miles and 6 more in Hunt County, so 75428 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 75428
Top 5 sectors by establishment count in Commerce, TX
Which industries have the most business establishments in ZIP 75428.
- Accommodation and food services
Accommodation and food services
33 establishments
- Retail trade
Retail trade
31 establishments
- Health care and social assistance
Health care and social assistance
19 establishments
- Other services (except public administration)
Other services (except public administration)
17 establishments
- Professional, scientific, and technical services 13
Professional, scientific, and technical services
13 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 75428, Commerce, TX · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
10,089
Population
222.7
Area (sq mi)
45
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 75428?
28.8
Median Age
47.1%
Male
52.9%
Female
8.1%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$51,424
Median Household Income
-32% vs state ZIP avg
$23,846
Per Capita Income
22.6%
Poverty Rate
6.7%
Unemployment Rate
20.0 min
Mean Commute Time
How ZIP 75428 ranks among Texas ZIPs
Commerce, TX household income vs. every Texas ZIP code
Median household income among 1,737 reporting Texas ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$51,424 17th percentile higher than 17% of 1,737 Texas ZIPs
Each bar is a $20K-wide band; taller bars hold more Texas ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
4,559housing units
4,559
Total Housing Units
3,853
Occupied Units
706
Vacant Units
2.36
Avg Household Size
Occupancy Type
$162,500
Median Home Value
-34% vs state ZIP avg
$913
Median Rent
1979
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
+0.5%
YoY Change (2024)
265
HPI Index (2000 = 100)
+165%
Total Change Since 2000
Home values in ZIP 75428 have increased 0.5% over the past year (2024). Since 2000, this ZIP has seen +165% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +9.9% | 192 |
| 2021 | +11.3% | 214 |
| 2022 | +24.9% | 267 |
| 2023 | -1.3% | 264 |
| 2024 | +0.5% | 265 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 177 business establishments in ZIP 75428, employing approximately 2,216 people with a combined annual payroll of $85,118,000.
177
Businesses
2,216
Employees
$85.1M
Annual Payroll
12
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Accommodation and food services | 33 | 18.6% |
| Retail trade | 31 | 17.5% |
| Health care and social assistance | 19 | 10.7% |
| Other services (except public administration) | 17 | 9.6% |
| Professional, scientific, and technical services | 13 | 7.3% |
| Administrative and support and waste management and remediation services | 13 | 7.3% |
| Finance and insurance | 12 | 6.8% |
| Construction | 9 | 5.1% |
| Manufacturing | 8 | 4.5% |
| Real estate and rental and leasing | 6 | 3.4% |
| Arts, entertainment, and recreation | 5 | 2.8% |
| Wholesale trade | 4 | 2.3% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 75428 vs 75422 →
ZIP 75428 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 75428
Commerce (75428)
10,089 residents
- 75496 3,351
Wolfe City (75496)
3,351 residents
- 75422 2,883
Campbell (75422)
2,883 residents
- 75448 655
Klondike (75448)
655 residents
What this shows Among its immediate neighbors, ZIP 75428 ranks the most populous - useful context the national average alone can't give.
ZIP 75428 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 75448
Klondike (75448)
$85,827 median income
- 75422
Campbell (75422)
$75,690 median income
- 75496
Wolfe City (75496)
$64,808 median income
- 75428
Commerce (75428)
$51,424 median income
What this shows By household income, ZIP 75428 ranks #4 of 4 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 75428, both outside TX so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (10,089 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Hunt County
Related Areas
Frequently Asked Questions
What county is ZIP code 75428 in?
ZIP code 75428 (Commerce) is located in Hunt County, Texas. Hunt County contains multiple ZIP codes, see the full list at /counties/hunt-tx.
What is the population of ZIP code 75428?
ZIP code 75428 in Commerce, TX has a population of 10,089 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 75428?
The median household income in ZIP 75428 is $51,424, which is 33% below the national average of $76,288.
What is the average home value in ZIP 75428?
The median home value in ZIP 75428 is $162,500, which is 42% below the national average of $278,155.
What is the demographic makeup of ZIP 75428?
The largest racial group in ZIP 75428 is White at 59.6%. Hispanic or Latino residents make up 20.3% of the population.
How many businesses are in ZIP code 75428?
ZIP code 75428 has 177 business establishments employing approximately 2,216 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 75428?
The top industries by establishment count in ZIP 75428 are: Accommodation and food services (33), Retail trade (31), Health care and social assistance (19). There are 12 industry sectors represented in total.
How have home values changed in ZIP code 75428?
According to the FHFA House Price Index, home values in ZIP 75428 increased by 0.5% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 165%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 75428?
In ZIP code 75428, 52.6% of residents aged 25+ have a high school diploma or higher, and 27.3% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 75428?
The mean commute time for workers in ZIP code 75428 is 20.0 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 75428?
In ZIP code 75428, approximately 51.9% of occupied housing units are owner-occupied and 48.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 75428?
The poverty rate in ZIP code 75428 is 22.6% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 75428's numbers, next.
- See how ZIP 75428 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Commerce, TX ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.