Cost of Living
per year
per month
How Tracy's prices compare to the US city average across major spending categories.
How far does your salary go in Tracy?
Your $100,000 in Tracy has the same purchasing power as $87,184 in the average US city. You'd need $12,816 more here to maintain that standard of living.
Demographics and workforce data from the US Census ACS 5-Year.
bachelor's or higher
Climate, safety, and walkability indicators.
See a side-by-side breakdown of cost of living, housing, and salaries.
Popular comparisons
Sorted by affordability — most affordable first.
Within 10 points of Tracy's cost index of 115, sorted by closest match.
If you're weighing a move to Tracy, the short answer is that the city has a few genuine arguments going for it — most obviously paychecks here run high and lower-than-average crime numbers. Here's the longer version.
Median household income in Tracy is $111,717 — well above the US median of roughly $75k. It's a city where high-paying industries (tech, finance, professional services) cluster, and the income distribution tilts noticeably upward relative to most of the country.
Tracy reports about 1,849 crime incidents per 100,000 residents — a step below the US average of around 3,500. The citywide number averages over neighborhoods that can vary a lot, but the headline number is friendlier than most American cities of comparable size.
Reasons are pulled from Tracy's actual data — Census ACS, BLS, BEA, NOAA, EPA AQS, FBI, and Walk Score. We don't list positives that aren't supported by the numbers, which is why different cities show different sections.
Now and then. Tracy's winters are cool rather than truly cold — about 40°F on average — so most of the precipitation falls as rain. A snowy morning happens a few times a season; sustained accumulation is rare.
Mild on the cold side. Tracy's winter average of about 40°F is the kind of weather where you want a jacket but the heating bill is manageable. Snow is rare, frost is occasional, and the lawn never really browns out.
Genuinely hot. Summer in Tracy averages about 93°F, and peak afternoons run well over a hundred. Outdoor plans move to mornings and evenings; AC is the most-used appliance in the house.
Approximately USDA Hardiness Zone 9. That's the band gardeners use to pick plants — anything rated for Zone 9 or colder should survive a typical winter in Tracy. (The estimate is derived from our winter-temperature data; the official USDA map uses station-level annual minimums and may differ by half a zone.)
Tracy sits at about 66 feet (20 m) above sea level — low-lying, but with enough cushion that day-to-day life isn't affected by ocean levels.
By the numbers, yes. Tracy reports roughly 1,849 crime incidents per 100,000 residents — well under the US average of about 3,500 per 100k. The big caveat applies as always: every city has neighborhoods that look nothing like the citywide average. But the citywide average here is genuinely good.
Yes, noticeably. Tracy's cost-of-living index runs 115, about 15% above the US baseline. Housing usually accounts for most of the markup; groceries and services run higher too but with less drama.
Mostly car-dependent. Tracy's Walk Score of 41/100 means a handful of errands work on foot — depending on the neighborhood — but most residents still need a car for the rest. Transit Score is 18 out of 100.
Roughly $80,290 a year would match the lifestyle of someone earning $70,000 in an average US city. That's a starting point, not a target — negotiate higher when you can. Median rent in Tracy runs about $2,162/mo — keeping housing under 30% of gross income points to a similar floor on what you'd want to earn.