Cost of Living in Tracy, CA
Population 95,358 · California · Data vintage 2023
(100 = US avg)
Home prices in Tracy run well above the national baseline, with a median of $654,000, though local incomes keep the cost-to-earnings ratio tighter than in coastal metros with comparable sticker prices. Median household earnings of $118,253 place the city among the better-paid California metros.
Tracy sits roughly 20 miles southwest of Stockton — close enough that regional housing and labor patterns are shaped largely by the larger market. Median home values run roughly 58% higher than Stockton's $413,000.
Cost Overview
Scale: 100 = US national average. Green < 90, Red > 110.
About the Cost of Living in Tracy
The median home value in Tracy is $653,900 — 114% above the national median of $305,000. Median rent runs $2,325/month, 77% higher than the national median of $1,314/month. The median household income of $118,253/year is 59% higher than the US median of $74,580. The local unemployment rate is 5.9%, above the national average of 4.8%. California's top state income tax rate is 13.3% and the combined sales tax is 8.7%. The climate averages highs of 76.7°F and lows of 49.4°F. Overall, Tracy has a cost of living index of 199 versus the US average of 100, meaning it is 99% more expensive.
🏠 Housing
HUD Fair Market Rents by Bedroom
💰 Estimated Monthly Budget
Estimates based on median data and national averages. Actual costs vary.
🛒 Food & Groceries
National BLS average prices (2023). Local prices may vary.
🚗 Transportation
Commute Mode
⚡ Utilities
📋 Taxes
💼 Income & Employment
🎓 Education
👥 Demographics
🌤 Climate
NOAA 1991–2020 Climate Normals
| Month | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| High °F | 57 | 63 | 69 | 75 | 83 | 90 | 95 | 94 | 90 | 80 | 67 | 57 |
| Low °F | 39 | 41 | 44 | 47 | 53 | 58 | 61 | 60 | 58 | 51 | 43 | 38 |
| Precip" | 2.67 | 2.50 | 1.91 | 1.11 | 0.57 | 0.10 | 0.00 | 0.01 | 0.08 | 0.69 | 1.40 | 2.41 |
💨 Air Quality
EPA AQS 2023 — county-level monitoring data
Frequently Asked Questions
What is the cost of living in Tracy, CA?
Tracy has a cost index of 199 (100 = national average). It is 99% above the national average.
What is average rent in Tracy, CA?
The median gross rent in Tracy is $2,325 per month based on 2023 Census data.
What is the average home price in Tracy?
The median home value in Tracy is $653,900 according to Zillow and Census data.
What is the median income in Tracy?
The median household income in Tracy is $118,253 per year (2023 ACS 5-year estimates).
What is the sales tax in Tracy, CA?
The combined state and local sales tax rate in Tracy is 8.7%. The California state income tax top rate is 13.3%.
Is Tracy, CA affordable?
Tracy is above average in cost of living, with an index of 199 — about 99% higher than the national average.
What is the weather like in Tracy?
Tracy has average high temperatures of 76.7°F and average lows of 49.4°F. Annual precipitation is 13.4". Data from NOAA 1991–2020 Climate Normals.
Tracy at a Glance
- Population
- 95,358
- Median Income
- $118,253
- Home Value
- $653,900
- Median Rent
- $2,325/mo
- Unemployment
- 5.9%
- Avg High Temp
- 76.7°F
- Sales Tax
- 8.7%
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