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East Texas A&M University · Commerce, TX
Compare homes for sale, rentals, financing, neighborhoods, and the cost of renting versus buying near East Texas A&M.
Campus-Area PropertiesRent-vs-Buy ComparisonLocal Campus-Area Professionals
CollegeHousing.ai is an independent housing information platform and is not affiliated with, endorsed by, or operated by East Texas A&M University.
East Texas A&M University Property Explorer
Homes for Sale Near East Texas A&M University
Review active homes for sale within 3 miles of East Texas A&M University's campus. Select a listing to view details, or inquire about a specific property.
8 homes for sale
8 representative buy scenarios
YOUR EAST TEXAS A&M UNIVERSITY REAL ESTATE EXPERT
Claim this market and appear here — parents, investors, and sellers are looking for a trusted local advisor.
For Sale
Single-Family · Campbell Park
4 bd 2 ba 1,680 sqft$175,000
For Sale
1 / 5
Single-Family · Campbell Park
4 bd 2 ba 1,680 sqft$175,000
For Sale
Single-Family · Culver Park
3 bd 2 ba 1,380 sqft$145,000
For Sale
1 / 5
Single-Family · Culver Park
3 bd 2 ba 1,380 sqft$145,000
For Sale
Condo · Monroe Square
2 bd 2 ba 900 sqft$110,000
For Sale
1 / 5
Condo · Monroe Square
2 bd 2 ba 900 sqft$110,000
For Sale
Single-Family · Park Street
3 bd 2 ba 1,320 sqft$135,000
For Sale
1 / 5
Single-Family · Park Street
3 bd 2 ba 1,320 sqft$135,000
For Sale
Single-Family · Neal Street
3 bd 2 ba 1,550 sqft$195,000
For Sale
1 / 5
Single-Family · Neal Street
3 bd 2 ba 1,550 sqft$195,000
For Sale
Single-Family · Pecan Grove
3 bd 2 ba 1,480 sqft$165,000
For Sale
1 / 5
Single-Family · Pecan Grove
3 bd 2 ba 1,480 sqft$165,000
For Sale
Single-Family · Live Oak Estates
4 bd 2.5 ba 2,050 sqft$225,000
For Sale
1 / 5
Single-Family · Live Oak Estates
4 bd 2.5 ba 2,050 sqft$225,000
For Sale
Single-Family · Washington Estates
5 bd 3 ba 2,500 sqft$260,000
For Sale
1 / 5
Single-Family · Washington Estates
5 bd 3 ba 2,500 sqft$260,000
Showing all 8 properties
Property information, pricing, photographs, and availability may change. Verify current details before making a housing decision. CollegeHousing.ai is an independent housing information platform and is not a brokerage, MLS, property-listing provider, or affiliate of East Texas A&M University.
You're viewing the East Texas A&M University housing market.
•Built Around the East Texas A&M University Housing Decision
Families and investors do not search for generic housing. They search around a specific school, a specific timeline, and a specific decision. This market page organizes the major paths around East Texas A&M University.
Parents
Compare rent vs. buy near East Texas A&M University before defaulting to another year of rent.
Start Rent vs. Buy ReviewInvestors
Review campus-area rental potential, student housing demand, and financing paths.
Analyze a Campus RentalSellers
Understand whether campus-area ownership demand may support a sale, refinance, or hold decision.
Request Property ReviewBorrowers
Review DSCR, conventional, refinance, and cash-out paths for campus-area property.
Check Financing OptionsEast Texas A&M Housing Decision Center
Review East Texas A&M University Campus-Area Housing
Independent college housing market review covering parent rent-vs-buy analysis, student-rental investment evaluation, DSCR financing review, seller timing, and local real estate professional connection for the East Texas A&M University / Commerce market.
Parent Rent vs. Buy
Investor Cash Flow
Seller Review
Financing Path
Parent Rent vs. Buy
Review Candidates
Student-Rental Demand
~76% Off Campus
Local Market Contact
Available
Explore East Texas A&M Property Review Candidates
Estimated review scenario. Current availability, pricing, rent potential, taxes, insurance, HOA, and financing terms should be verified before making a decision. These are not active MLS listings.
Market Guidance
East Texas A&M Housing Market Guides
Local guides for parents, investors, sellers, and borrowers reviewing housing near East Texas A&M University in Commerce.
Parent Guide
Buying Housing Near East Texas A&M: Parent Guide to Commerce Campus Areas
What parents should evaluate when comparing rent, ownership, neighborhood selection, and resale potential near East Texas A&M University in Commerce.
Read Guide
Parent Guide
Rent vs. Buy Near East Texas A&M University
A Commerce-focused rent-vs-buy guide for families comparing student rental costs against owning near ETAMU.
Read Guide
Local Guide
Best Commerce Areas to Review for ETAMU Housing
A local review of campus-area housing considerations in Commerce neighborhoods near East Texas A&M University.
Read Guide
Investor Guide
East Texas A&M Student Rental Investment Guide
How investors can evaluate student-rental demand, university-town dynamics, property type, cash flow, and exit strategy around ETAMU.
Read Guide
Seller Guide
Selling a House Near East Texas A&M University
How campus-area owners can position a Commerce property for parent buyers, investor buyers, and university-connected demand.
Read Guide
Financing Guide
DSCR and Investor Financing for ETAMU-Area Rentals
What borrowers should know when reviewing DSCR, rental income, investor financing, and student-housing properties near ETAMU.
Read Guide
CollegeHousing.ai is an independent platform and is not affiliated with, endorsed by, or sponsored by East Texas A&M University.
Professional partner information is available on the Partner With Us page.
Review Paths
East Texas A&M University Housing Review Paths
Choose the path that best matches your situation near East Texas A&M University in Commerce. Each review path focuses on a different set of housing and financing questions.
Parent Rent vs. Buy Review
Compare four years of Commerce rent with ownership costs near East Texas A&M University. Review roommate rent offset, financing structure, and after-graduation options.
Start Parent ReviewInvestor Cash Flow Review
Evaluate student-rental income, operating expenses, DSCR fit, vacancy assumptions, and long-term college-town demand near East Texas A&M University.
Analyze a Campus RentalSeller / Hold Review
Review whether your Commerce-area property may attract parent buyers, student-rental investors, or local demand. Compare sell, refinance, and hold scenarios.
Request Property ReviewFinancing Review
Review parent-purchase, second-home, investment-property, DSCR, refinance, and cash-out financing paths for the Commerce market.
Check Financing OptionsProperty Management Review
Steve Johnson, Austin Property Management Group, serves the Commerce market. Review leasing, maintenance, turnover, and long-distance ownership near East Texas A&M University.
View Steve's ProfileStart with your decision
Each path focuses on a different set of questions — parent purchase, investment cash flow, seller review, or financing options near East Texas A&M University.
Parents
Compare rent vs. buy near campus
For families evaluating whether to rent student housing or buy a campus-area property near East Texas A&M University, the review focuses on ownership horizon, roommate income potential, maintenance responsibility, resale options, and financing.
Start Parent ReviewInvestors
Review student-rental cash flow
For investors evaluating a college-town rental near East Texas A&M University, the review focuses on rental demand, management complexity, lease timing around the academic calendar, student-housing durability, DSCR considerations, and exit strategy.
Start Investor ReviewSellers
Evaluate sell, refinance, or hold
For owners of campus-area properties near East Texas A&M University, the review focuses on timing, buyer demand, rental performance, refinancing options, cash-out potential, and whether the property should be held or brought to market.
Start Seller ReviewFinancing
Review DSCR, refi, cash-out, and purchase options
For borrowers, the review focuses on financing paths for campus-area properties near East Texas A&M University, including purchase loans, refinancing, cash-out, and DSCR options when applicable.
Start Financing ReviewWhy East Texas A&M University / Commerce deserves its own review
East Texas A&M University in Commerce anchors the primary higher-education housing market in the Northeast Texas region. With approximately 10,000 students, ETAMU-area real estate combines student housing demand with Commerce's role as a university-centered community. The market offers some of the most accessible purchase prices in the Texas A&M System.
Parent rent-vs-buy considerations
ETAMU parents face a Commerce housing market where rent-vs-buy comparisons benefit from purchase prices that are among the most affordable in the Texas public-university set. The decision depends on the student's academic timeline and whether the property could serve as a rental after graduation. Commerce's proximity to the DFW metroplex about 65 miles west adds a regional connection dynamic.
Investor rental-property review
ETAMU student rentals benefit from the university's role as Commerce's primary economic driver. The community's university-centered profile means student housing is the dominant rental market. Investors need to review rent-by-room scenarios, Commerce's stable demand profile, property operating expenses, and DSCR fit on a property-by-property basis.
Seller and exit-strategy review
Commerce-area sellers primarily attract buyers connected to the university — parent buyers, investors, and faculty/staff. Understanding the university-driven buyer pool is key to positioning.
Financing pathways
Borrowers near ETAMU may explore parent-purchase, second-home, investment-property, DSCR-based, or refinance options. Commerce property costs, Texas property tax, and Northeast Texas market conditions should be factored into ownership cost estimates.
East Texas A&M University / Commerce Market
Independent review platform. Not affiliated with or endorsed by East Texas A&M University.
Market Snapshot
East Texas A&M University / Commerce housing data
Public data sources for evaluating college-area housing decisions. Not investment advice. Not a guarantee of rental income, appreciation, or loan approval.
Last updated: 2026-07-11
University Demand
10,162
Total Enrollment
7,404
Undergraduate
2,758
Graduate
1,200
First-Year Class
67%
Retention Rate
28%
4-Year Graduation Rate
SourceEast Texas A&M Institutional Data · Fall 2024
On-Campus vs Off-Campus Housing
No
First-Year Live-On Required
No
On-Campus Housing Guaranteed
42%
First-Year in Univ. Housing
58%
First-Year Off Campus / Commute
24%
All Undergrads in Univ. Housing
76%
All Undergrads Off Campus / Commute
ETAMU does not require first-year students to live on campus. Approximately 76% of undergraduates live off campus, creating a substantial private housing market in Commerce.
SourceOfficial Common Data Set — East Texas A&M, Section F · 2024–2025 Common Data Set
Local Housing Baseline — Commerce
$144,500
Median Owner-Occupied Home Value
$903/mo
Median Gross Rent
48.8%
Owner-Occupied Housing Rate
$1,360
Median Monthly Owner Cost (w/ Mortgage)
9,759
City Population
3,259
Households
SourceU.S. Census Bureau QuickFacts — Commerce, TX · 2020–2024 ACS 5-Year Estimates
When students typically move off campus
No
First-Year Live-On Required
No
On-Campus Housing Guaranteed
42%
First-Year Students in Univ. Housing
58%
First-Year Students Off Campus / Commute
24%
All Undergrads in Univ. Housing
76%
All Undergrads Off Campus / Commute
What this means for housing decisions
ETAMU does not require first-year students to live on campus. Approximately 76% of undergraduates live off campus, creating a large private housing market in Commerce. The community's university-centered profile means off-campus housing is closely tied to the academic calendar.
SourceOfficial Common Data Set — East Texas A&M, Section F · 2024–2025 Common Data Set
Parent Rent-vs-Buy Trigger
- •3–4 years of housing needed
- •No freshman live-on requirement — immediate off-campus option
- •Most undergrads live off campus by sophomore year
- •Rent alternative: median rent $903/mo
- •Roommate income potential from other students
- •Ownership horizon: typically 3–5 years
- •Resale after graduation — parent/investor buyer pool
- •Property management if parent is out of town
- •Financing: second home vs investment property classification
Investor Cash-Flow Trigger
- •Strong off-campus demand — 76% of undergrads off campus
- •Rent-by-room potential near campus
- •School-year lease timing (Aug–Jul typical)
- •Turnover risk between academic years
- •Maintenance and management load
- •DSCR review: rent vs debt service
- •Local owner-occupancy rate: 48.8% — context for rental demand
- •Exit strategy: sell to parent buyer, investor, or owner-occupant
Seller / Refi / Hold Trigger
- •Current lease status and rental history
- •Campus proximity and property condition
- •Buyer pool: parents, investors, owner-occupants
- •Sell vs hold: compare net proceeds with ongoing rental income
- •Refinance / cash-out review
- •School-year timing: list before leasing season
- •Equity position and market conditions
Financing Trigger
- •Parent purchase financing (owner-occupied or second home)
- •Second-home vs investment property classification
- •Investment-property loan options
- •DSCR loan review for rental-backed properties
- •Refinance and cash-out options
- •Down payment sensitivity by loan type
- •Insurance, property tax, and HOA review
Market Analysis
What this market is best for
Every college market has a different profile. Here's how East Texas A&M University / Commerce breaks down by the three most common campus-area housing decisions.
Parent Rent-vs-Buy
For families evaluating whether buying near campus makes more financial sense than four years of rent. The review covers purchase price, financing, roommate income potential, ownership costs, and after-graduation options.
Rent alternative caseCase-by-case
Campus proximity valueHigh
Resale to next buyerNiche pool
Student-Rental Investor
For investors evaluating campus-area rental property. The review focuses on rent-by-room scenarios, operating expenses, lease timing around the academic calendar, DSCR fit, vacancy assumptions, and long-term college-town demand.
Off-campus demandStrong
DSCR lender interestHigher
Year-round stabilitySeasonal
Seller / Refinance Decision
For owners of leased student rentals or campus-area properties evaluating whether to sell, refinance, or hold. The review covers current rental income, equity position, buyer pool composition, and refinance options.
Parent-buyer poolNiche
Investor-buyer interestPresent
Best listing windowBefore leasing season
Next Step
Review Campus-Area Property Candidates Near East Texas A&M University
The map shows the types of campus-area properties commonly reviewed for parent purchases, investor rentals, seller decisions, and financing conversations. These are review candidates — for comparison, financing analysis, and local real estate expert review. Connect with a licensed professional when you are ready to evaluate actual opportunities.
Important: These campus-area review candidates are for comparison, financing, and local professional review. Availability, pricing, and property details should be independently verified. CollegeHousing.ai is an independent platform and is not affiliated with or endorsed by East Texas A&M University. These are not active MLS listings.
Financial Dashboard
The ownership cost stack near East Texas A&M
Campus-area ownership is never just the mortgage. Each layer below represents a real cost category that should be reviewed with a local professional. All figures are illustrative — confirm with actual quotes.
Sample Monthly Ownership Estimate
Sample Purchase Scenario
Illustrative only — not a quote or offer
$144,500
Sample price · 25% down ($36,125)
Principal & Interest (P&I)
30-yr · 7.25% · loan $108,375$721/mo
Property Tax
Sample ~1.2% effective rate on $144,500$145/mo
Homeowners / Hazard Insurance
Sample $2,400/yr — varies by coverage, location, carrier$200/mo
Flood Insurance
Texas property insurance costs vary by zone. Northeast Texas coverage, including wind and hail, should be reviewed.Estimate needed
HOA / Condo Dues (if applicable)
Some subdivisions in the Commerce area have covenants restricting rental use. Review HOA documents before purchasing.Confirm per property
Utilities / Internet
Sample estimate — electric, water, internet, varies by provider and usage$250/mo
Maintenance Reserve
Sample ~1% of home value/yr — covers roof, HVAC, appliances, repairs$120/mo
Property Management (if rented)
Sample ~8% of gross rent — leasing, maintenance coordination, rent collection$72/mo
Estimated Total Monthly Payment
Sample — confirm with actual quotes from local providers
$1,508/mo
Vs. $903/mo median rent — Commerce
Sample estimate — not financial, tax, legal, or lending advice. Actual costs vary by property, location, insurance carrier, tax assessment, management provider, HOA covenants, and loan terms. Every figure above should be confirmed with a licensed local professional. This is an educational illustration, not a projection or guarantee.
Neighborhood Logic
Campus-area living logic
Campus-area housing isn't just about distance to the quad. These eight factors drive demand, rentability, resale value, and ownership experience near East Texas A&M.
Distance & Proximity
Properties within 1 mile of campus command premium rent and resale interest. Beyond 3 miles, buyer and tenant pools shift toward local residents.
Roommate Demand
Per-bedroom rent structure is common near campus. Properties with the right bedroom count and layout attract student tenants and parent buyers alike.
Property Condition
Student-rented homes face more wear. Condition at purchase affects maintenance costs, insurance, and resale. Inspection is essential — not optional.
Internet & Connectivity
Reliable high-speed internet is non-negotiable for student tenants. Confirm provider availability and speeds before purchasing.
Safety & Neighborhood
Campus-adjacent neighborhoods vary in safety profile, lighting, and tenant mix. Review Commerce police data and walk the neighborhood at different times.
Resale Demand
The exit matters. Campus-area homes sell best to the next parent buyer or investor. Market to the right pool at the right time in Commerce.
Parking & Access
On-street parking near campus is often restricted. Driveway or off-street parking adds real value for tenants and buyers in Commerce.
Property Management
Property management options in Commerce may be more limited than in larger metro areas. Verify local management availability before purchasing.
These factors are directional for Commerce campus-area properties. Each property should be reviewed individually.
Setup Checklist
Before you buy near East Texas A&M
The ownership decision doesn't end at closing. These six setup steps are commonly overlooked and can materially change the cost and experience of owning near campus.
1
Lock in insurance early
Get actual quotes for homeowners/hazard insurance and flood insurance before you commit. In some TX markets, the combined cost can materially change the monthly ownership estimate.
2
Confirm HOA rules and rental restrictions
Some subdivisions in the Commerce area have covenants restricting rental use. Review HOA documents before purchasing.
3
Check internet provider availability
Not every address near East Texas A&M has access to high-speed internet. Student tenants require reliable connectivity. Confirm what providers service the specific property and what speeds are available before buying.
4
Plan move-in and furniture logistics
If the purchase is timed for a lease turnover window (ETAMU's fall semester begins in late August; spring begins in mid-January.), furniture delivery, storage, and move-in services should be lined up in advance. The student leasing cycle is tight and unforgiving.
5
Set up utilities and student-friendly billing
Electric, water, gas, internet, and trash service should be transferred and active before tenants arrive. Consider how utilities will be billed — landlord-paid with rent adjustment, or tenant-paid with setup support.
6
Budget for maintenance from day one — in Commerce
Student-occupied properties see more wear than owner-occupied homes. Budget at least 1% of the property value per year for maintenance — roof, HVAC, appliances, flooring, paint — and have a local handyman or management company identified before closing.
Campus Ownership Setup
Before you own near East Texas A&M
Campus-area properties often involve setup items beyond the purchase price. Review the local services that may affect ownership, rental readiness, and student move-in.
Property Management
Review leasing, maintenance, rent collection, and student-rental management near campus.
Confirm during reviewHOI / Hazard / Flood Insurance
Review homeowners, hazard, landlord, and flood insurance needs for a campus-area property.
Confirm during reviewMoving / Storage
Coordinate move-in, student storage, furniture, and parent logistics near campus.
Confirm during reviewInternet Provider
Review student-friendly internet availability and setup options near campus.
Confirm during reviewSponsored providers are independent third parties. CollegeHousing.ai may receive compensation for placement where permitted. CollegeHousing.ai is not a university housing office, real estate brokerage, lender, loan originator, insurance agency, property manager, moving company, internet provider, law firm, or tax advisor. Users should verify licensing, pricing, coverage, availability, and terms directly with each provider.
College housing questions in Commerce
Answers to the most common questions about East Texas A&M-area housing.
1Should parents rent or buy near East Texas A&M University?
ETAMU families should compare four years of Commerce rent with ownership costs including mortgage, property tax, insurance, maintenance, and management. Commerce's purchase prices are among the most accessible in the Texas A&M System. Roommate rent contributions can significantly offset ownership costs. Commerce's university-centered economy means the resale market is tied to university demand.
2Can a student rental near East Texas A&M University work as an investment?
Student rentals near ETAMU benefit from the university's role as Commerce's primary economic driver and a stable enrollment base. Investment success depends on purchase price, rent-by-room income, property expenses, and financing terms. Each property requires its own underwriting.
3Can DSCR financing be used near East Texas A&M University?
DSCR loans may apply to Commerce-area investment properties. Each property's projected rental income must support the debt service per lender guidelines. Review rent, expenses, and DSCR thresholds with a licensed loan officer.
4Should I sell or hold a property near East Texas A&M University?
Commerce-area owners should evaluate current rental income, equity position, university-driven buyer demand, Texas insurance and tax costs, and refinancing options before deciding to sell or hold.
5Is CollegeHousing.ai affiliated with East Texas A&M University?
No. CollegeHousing.ai is an independent real estate and financing information platform. It is not affiliated with or endorsed by East Texas A&M University.
What a Review Looks Like
Sample review outcome
Every property and situation is different. This sample illustrates the type of analysis you might receive — not a real review and not a guarantee of any specific outcome.
SAMPLE
Illustrative Review — East Texas A&M / Commerce
3-Bedroom Townhome · 1.2 miles from campus
Sample Purchase Price
$144,500
Illustrative — varies by property
Monthly Ownership Est.
$1,065/mo
Sample P&I + Tax + Insurance
Est. Roommate Income
$542/mo
2 roommates at sample rent
Net Monthly Difference
$523/mo
Ownership cost minus roommate contribution
4-Year Rent Avoided
$43,344
Sample at median rent × 48 months
After-Graduation Options
Sell · Refinance · Hold
Review with local advisor
This is a sample illustration. It is not a real property review, not a financial projection, and not a guarantee of any specific outcome. Every property requires its own analysis with a licensed professional.
Local Professionals
Connect directly with independent professionals serving parents, investors, and property owners in the East Texas A&M University housing market.
Real EstateFinancingProperty ManagementInsurance
REAL ESTATE
Realtor Position Available
Realtor
Local real estate guidance for parents, investors and sellers evaluating homes and investment properties near campus.
- Parent and student housing purchases
- Campus-area investment properties
- Local listings and property sales
View Real Estate Profile
FINANCING
Matt Dean
NEXA Lending
Sr. Loan Officer · NMLS 227603
Financing guidance for parent purchases, second homes and investment properties near campus.
- Parent-purchase financing
- DSCR and investor loan options
- Refinance and equity reviews
SJ
PROPERTY MANAGEMENT
Steve Johnson
Austin Property Management Group
Leasing and Property Management
Local leasing and property-management support for owners of campus-area rental properties.
- Tenant screening and leasing
- Rent collection and maintenance
- Move-in and move-out coordination
INSURANCE
Insurance Professional
Insurance Agency
Insurance Agent
Insurance reviews for parent-owned homes, condos and rental properties near campus.
- Homeowners and condo coverage
- Landlord and rental-property policies
- Flood, liability and umbrella considerations
Each professional listed is an independent business or licensed professional. CollegeHousing.ai does not endorse, employ or guarantee the services of any provider. Review qualifications, services and terms directly with the professional.
Additional Services
Need help with another part of the move or ownership process? Tell us what you need and CollegeHousing.ai will route the request appropriately.
LOCAL SERVICES
Local Service Help
Tell us what service you need and we will route the request based on the East Texas A&M University market and current provider availability.
Request Local Service HelpMOVING & STORAGE
Moving and Storage Help
Share your moving or storage needs and we will route the request when an appropriate local provider is available.
Request Moving or Storage HelpProfessional partner information is available on the Partner With Us page.
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Sponsored providers are independent third parties. CollegeHousing.ai may receive compensation for placement where permitted. CollegeHousing.ai is not a university housing office, real estate brokerage, lender, loan originator, insurance agency, property manager, moving company, internet provider, law firm, or tax advisor. Users should verify licensing, pricing, coverage, availability, and terms directly with each provider.
Guides Worth Reviewing
Related College Housing Guides
Use these guides to review housing decisions near East Texas A&M University before comparing properties, financing, rental demand, or local expert options.
Market GuideWhy 1, 3, and 5 Miles From Campus Matter
See how distance from campus affects walkability, rent demand, parent-buyer demand, student-rental demand, resale, and financing considerations.
Best for: Users comparing neighborhoods around a university.
Parent GuideParent Rent-vs-Buy Guide for College Housing
Compare four years of rent with ownership near campus, including roommate contribution, financing structure, resale timing, and after-graduation options.
Best for: Families deciding whether buying near campus deserves a serious review.
Investor GuideCampus Rental Cash-Flow Checklist
Review purchase price, rent-by-room income, expenses, management, turnover, lease timing, DSCR fit, and exit strategy before buying.
Best for: Investors evaluating student-rental numbers.
Realtor GuideWhy Local Realtors Matter in College Housing Markets
Understand why campus neighborhoods, student-rental demand, lease cycles, property type, local rules, and resale patterns require local market expertise.
Best for: Users who need local property guidance near a specific school.
Ready to review a real campus-area property decision?
Choose the school, confirm the housing path, and connect with the right local real estate, financing, or property-management review.