Median Income
$111,717
household / year
Median Home Value
$617,300
owner-occupied
Median Rent
$2,162
gross / month
Cost of Living
107
national avg = 100

Is Tracy, CA a Good Place to Live?

Tracy is a mid-sized city of 94,027 in California, with a median household income of $111,717 and a 5.4% unemployment rate. Its cost of living index is 107 (US average = 100), which is 7% above the national average.

Strengths: Tracy stands out for lower-than-average crime.

Trade-offs: Potential downsides include high home prices, longer commutes, an elevated unemployment rate. Whether Tracy is right for you depends on your priorities — the full breakdown is below.

All Tracy city data on this page comes from official government sources — the US Census Bureau, FBI, NCES, BEA, and NOAA — updated annually.

Cost of Living

Index: 107.4

Tracy's overall cost of living index is 107.4, where 100 represents the US national average. Living in Tracy costs roughly 7% more than the average American city.

Metric Tracy, CA National Avg
Median Home Value $617,300 $244,900
Median Monthly Rent $2,162 $1,163
Homeownership Rate 64.0% 65.9%
Median Household Income $111,717 $74,755

Crime & Safety

Safer than Average

Tracy's violent crime rate is 301.4 per 100,000 residents — 21% lower than the national average of ~380 per 100,000.

Violent Crime
301.4 /100k
Property Crime
1591.7 /100k

Vertical marker = national average. Source: FBI UCR Program.

Schools & Education

Tracy is served primarily by Jefferson Elementary. The student-to-teacher ratio is 22.0:1 (slightly above the national average of ~16:1).

Metric Tracy, CA National Avg
School District Jefferson Elementary —
Elementary Schools 4 —
Middle Schools 1 —
High Schools N/A —
Student/Teacher Ratio 22.0:1 16:1
Bachelor's Degree or Higher 24.4% 35.4%
High School Diploma or Higher 83.9% 91.1%

Weather & Climate

Tracy sees average highs of 57.2°F in January and 93.2°F in July, with 12.7 inches of annual precipitation .

MetricTracy, CA
Average High — January57.2°F
Average High — July93.2°F
Annual Precipitation12.7"
Annual SnowfallTrace / None

Demographics

MetricTracy, CANational Avg
Population94,027—
Median Age34.438.9
Unemployment Rate5.4%3.7%
Avg Commute Time43.5 min26 min
White (non-Hispanic)41.2%59.3%
Black or African American5.7%13.6%
Hispanic or Latino25.4%18.9%
Asian20.1%6.3%
Under 1826.6%22.2%
65 and over9.7%16.8%

Nearby Cities

Mountain House, CA 6 mi Lathrop, CA 9 mi Manteca, CA 13 mi French Camp, CA 14 mi Byron, CA 15 mi

ZIP Codes in Tracy

Tracy, CA is covered by 3 ZIP codes:

95377 95376 95304

Tracy vs Other Cities

Tracy, CA vs Mountain House, CA Tracy, CA vs Lathrop, CA Tracy, CA vs Manteca, CA Tracy, CA vs French Camp, CA Tracy, CA vs Byron, CA

Frequently Asked Questions

Tracy's cost of living index is 107, where 100 is the national average. That puts Tracy roughly 7% above the national average in cost. The median home price is $617,300 and median rent is $2,162/month.
Tracy's violent crime rate is 301.4 per 100,000 residents — the national average is ~380 per 100,000. Property crime is 1591.7 per 100,000 (national avg ~2,100). Data from the FBI Uniform Crime Reporting Program.
Public schools in Tracy are operated by Jefferson Elementary. The district has 4 elementary, 1 middle, and several high schools. The student-to-teacher ratio is 22.0:1. 24.4% of adults 25+ hold a bachelor's degree or higher.
Tracy, CA has a population of 94,027, a median household income of $111,717, and an unemployment rate of 5.4%. Whether it's right for you depends on your priorities — use the compare tool above to stack it against another city you're considering.
Tracy averages 57.2°F in January and 93.2°F in July. Annual rainfall is 12.7 inches . Based on NOAA 30-year climate normals (1991–2020).
Tracy, CA is covered by 3 ZIP codes: 95377, 95376, 95304.
The population of Tracy, California is 94,027 with a median age of 34.4. Source: US Census ACS 5-Year Estimates.
Key numbers for living in Tracy: cost of living index 107 (100 = US average), median home $617,300, median household income $111,717, crime index 78 (100 = US average, lower is safer), schools rated C-. Whether these are benefits or drawbacks depends on where you're coming from — compare Tracy side by side with your current city to see the trade-offs.