Personal loans in Commerce City, CO: what to know before you borrow

Local snapshot

These are Census Bureau estimates (ACS, 2020 to 2024) for the city of Commerce City, Colorado. A place average is context, while your finances are what a lender reads.

How people in Commerce City earn a living

Education and health care is the largest employer category for people living in Commerce City at 18%, ahead of construction (13%) and retail (11%). One lean worth noting: construction, which employs 13% of Commerce City residents compared with 6% in the median place.

The spread of incomes matters as much as the middle. In Commerce City, 13% of households bring in less than $35,000 a year and 57% bring in $100,000 or more, while 16% reach $200,000 or more. Our U.S. city median is 37% at $100,000 or more and 21% under $35,000. Income inequality, measured by the Gini index, is 0.36.

Age, schooling and housing in Commerce City

Residents of Commerce City have a median age of 35.0; 26% of adults 25 and older have at least a bachelor's degree, and 13% did not finish high school. Next to the median place in our set (37.4 years; 35% with a degree), Commerce City is younger, with schooling below the middle. Younger households tend to have shorter credit histories, and history length is one factor scores weigh.

The housing stock in Commerce City breaks down as 79% detached houses, 7% apartments in larger buildings and 2% mobile homes, per the ACS. For the U.S. city set as a whole, the middle is 64% detached and 20% multifamily. Detached owners carry roofs, HVAC and yards, while apartment renters face deposits and moving trucks.

The job market around Commerce City

Federal labor data show unemployment of 4.6% in Adams County for September 2026 (preliminary, not seasonally adjusted), up 0.6 points from 4.0% a year earlier. Inside Commerce City, the ACS five-year average for 2020 to 2024 is 4.3%. Many lenders offer hardship options, but usually only to borrowers who ask before a payment is missed.

Budget math at the median in Commerce City

Here is the budget math at the median. A Commerce City household earning $111,972 a year has about $9,331 a month before taxes. The median gross rent of $1,880 takes roughly 20% of that, against a common affordability yardstick of 30%, or about $2,799. Many lenders also look at total monthly debt payments as a share of gross income; 36% is a widely cited benchmark, worth about $3,359 a month at the median, though each lender sets its own limit. The typical home is priced at 4.5 times the median household income.

What the numbers suggest about borrowing in Commerce City

Commerce City's housing is relatively new, with a median build year of 2005. Newer housing can mean fewer big repairs, so loans here lean toward consolidation and moving costs more than emergency fixes.

About 77% of Commerce City households own their homes, which is higher than most of the 576 U.S. city places we cover. Owners have equity-based choices that renters do not, but borrowing against a house puts the house at risk, so weigh a HELOC against a personal loan before deciding.

Rent is a stretch for many Commerce City renters: 58% put 30 percent or more of income toward it, which puts the city in the upper third of the 576 U.S. city places in our set. Any loan payment on top of rent deserves a stress test: what happens if a paycheck is a week late?

How Commerce City compares

Among the 576 U.S. city places we track, Commerce City posts a median household income of $111,972 (94th highest of 576), a median gross rent of $1,880 (96th highest of 576), and a median home value of $499,700 (73rd highest of 576). These ranks describe a place, not a household.

Two comparable Colorado places in our set are Parker ($133,369 income, $2,096 rent), where Commerce City runs 16% below on income and 10% below on rent and Broomfield ($123,874 income, $2,126 rent), where Commerce City runs 10% below on income and 12% below on rent. Compare the same four numbers on every offer wherever you live.

Local context

Commerce City is home to a refinery, rail yards and logistics employers along I-76. Shift work and warehouse jobs are common, and newer neighborhoods are expanding east.

A situation that comes up in Commerce City

Distribution and shift work in Commerce City often means irregular hours and overtime. Lenders verify what you actually earn, so keep recent pay stubs and base your loan size on typical earnings.

Before you borrow in Commerce City

• Confirm the license with your state regulator before sharing details; the CFPB takes complaints about lenders.
• Keep every document in one folder: disclosure, agreement, payment confirmations.
• Try the free routes first: a credit union, a hardship plan or a nonprofit counselor may beat any loan (free options).
• Take a day to review a contract. A lender that rushes you has told you something.
• Compare three written offers by APR, fees and total cost, using the side-by-side calculator.

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