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Commerce is mostly warehouses and rail yards with about twelve thousand residents living among them, which makes for a very small housing market.
Explore mortgage options in Commerce, Los Angeles County, California. Compare 25+ loan programs including conventional, FHA, VA, jumbo, and investment property financing. Get personalized rates and expert guidance from SRK CAPITAL's local mortgage team.
A very small housing market inside a freight hub
Paste a listing URL and get a detailed breakdown of which loan programs fit the property, with payment examples and risk flags.
Thin comparables and industrial adjacency both come up. We will tell you what to expect from the appraisal.
A residential pocket around the park, one of the few purely residential parts of the city.
An older neighborhood beside the rail corridor and the industrial ground.
Streets near the freight yards where housing and logistics sit side by side.
The blocks around the shopping center and the civic buildings.
* Rates shown as of and subject to change without notice.
* Rate scenario based on: $650,000 loan amount, 20% down payment ($812,500 purchase price), 740+ credit score, owner-occupied single-family home, with impounds.
* Your actual rate may vary based on your specific credit profile, loan amount, down payment, and other factors.
* APR fees include: $1,350 lender underwriting fee, $80 lender doc fee, $995 processing fee, $149.50 credit report, and third-party fees (title, escrow, appraisal).
* Contact an SRK CAPITAL loan officer for a personalized rate quote.
NMLS #2043372 | DRE #01961971
Equal Housing Lender | © SRK CAPITAL INC.
Homebuyers in Commerce weigh loan programs, neighborhood pricing, and lender fit before locking a rate.
As one of the communities that make up Los Angeles County in Southern California, Commerce moves with county-wide lending trends while keeping its own inventory and pricing rhythm.
Commerce buyers choose among conventional, FHA, VA, and jumbo paths — each with its own down-payment floor, credit expectations, and county loan limits.
Commerce borrowers frequently compare options against nearby communities such as Agoura Hills, Alhambra, Arcadia.
The current median list price in Commerce is $700,000.
There are roughly 14 active listings available.
Updated 9/8/2026
Los Angeles Ca Commerce is updated daily with practical mortgage guidance for this page.