Celina, TX vs Commerce, TX

The cost of living difference between Celina, TX and Commerce, TX is dramatic. Commerce is 85.2% cheaper than Celina, a gap that translates to thousands of dollars per year in household expenses. Celina has a cost index of 136 while Commerce sits at 73, making this one of the more striking comparisons on our site. Relocating between these cities would require a serious reassessment of budget and lifestyle expectations.

On the housing front, median rent in Celina is $2,064/month compared to $902/month in Commerce — a 129% difference. Home values follow the same pattern: Commerce is more affordable at $124,800 median vs $458,000.

Median household income in Celina is $155,875 compared to $43,051 in Commerce (+262.1%). While Celina is more expensive, its higher salaries more than compensate — residents there may actually end up with more disposable income. Looking at affordability, residents of Celina spend roughly 15.9% of their income on rent, less than the 25.1% in Commerce.