Housing Value★★★★★★★★★★2.6 / 5Home values compared with local household income.
Living in Tracy, CA
Explore Tracy and see how it fits the life you want to build.
Overall Match7.3 / 10
Baseline match from currently available location scores. Choose priorities to personalize it.
Tracy at a Glance
Key facts and current data
Population96,966
Median Household Income$121,119
Median Home Value$699,000
Median Gross Rent$2,478
Median Age35.6
Average Household Size3.3
Unemployment5.5%
Work From Home14.7%
Homeownership65.0%
Housing Vacancy4.3%
Source: U.S. Census Bureau, 2020-2024 ACS 5-Year.
Tracy is a mid-sized community where local neighborhoods, nearby job centers and regional access can matter as much as citywide averages. Housing costs are high relative to local household income, making affordability one of the more important factors to examine before relocating here.
Experience the Area
Experience Life in Tracy Before You Move
Explore Short-Term Stays in Tracy →Stay options powered by Stay22 · affiliate
NarrowTheList highly recommends you spend a week or two in Tracy and experience everyday life before deciding whether it is the right place to call home. Use that time to explore neighborhoods, drive your normal routes, shop where residents shop, and get a feel for the area at different times of day.
NarrowTheList Ratings
Data-driven starter ratings. More categories appear automatically as new datasets are added.
Housing & Cost of Living in Tracy
Current housing indicators from the U.S. Census Bureau
Median Home Value$699,000
Median Gross Rent$2,478
Homeownership65.0%
Housing Vacancy4.3%
Home values are relatively high compared with local household income, so purchase affordability deserves close attention. The housing mix leans toward owner-occupied homes while still supporting a meaningful rental market.
Jobs, Income & Remote Work
Employment and household-income context for Tracy, CA
Median Household Income$121,119
Unemployment5.5%
Work From Home14.7%
The reported unemployment rate is in a middle range. A meaningful share of employed residents work from home.
Population & Household Profile
Who lives in Tracy and how households are structured
Population96,966
Median Age35.6
Average Household Size3.3
Tracy is a mid-sized community where neighborhood and nearby-employment patterns can materially affect a relocation decision.
Source: U.S. Census Bureau, 2020-2024 ACS 5-Year. NarrowTheList presents these values as relocation context; conditions can vary within a community.
Climate & Weather in Tracy
Long-term NOAA climate normals and practical seasonal context
NOAA climate normals for Tracy point to hot summers, cool winters, a relatively dry annual rainfall pattern and little to no annual snowfall.
Average Summer High93.2°F
Average Winter Low36.4°F
Annual Rainfall12.7 in.
Annual Snowfall0.0 in.
Seasonal Life in Tracy
What the long-term climate pattern may mean for everyday living.
Spring
Spring should generally favor outdoor activity, although a relatively dry annual pattern makes water use, landscaping and local drought conditions worth noticing.
Summer
Summer heat is a meaningful part of daily life. During a trial stay, pay attention to afternoon comfort, cooling use, vehicle heat and how much outdoor activity shifts toward mornings and evenings.
Fall
Fall marks a substantial seasonal transition here. It is a useful time to judge how quickly temperatures change and whether that seasonal swing fits the lifestyle you want.
Winter
Winter is generally cool with limited snowfall. Heating needs still matter, but snow-related disruption should be less central than in colder markets.
Source: NOAA/NCEI U.S. Climate Normals, 1991–2020. Seasonal descriptions are relocation context derived from the available long-term normals, not a forecast.
Tracy is located in San Joaquin County, but city-level housing, income and neighborhood conditions can differ meaningfully from countywide averages. San Joaquin County.
County Intelligence
Tracy & San Joaquin County
Data Pending
Foreclosure Activity
Tracy is located in San Joaquin County, California.
NarrowTheList uses county-level information alongside local community data because many factors that matter when choosing a place to live are measured beyond city boundaries. Housing, property taxes, employment, healthcare access and other regional characteristics can add useful context to the picture of life in Tracy.
Current NarrowTheList data for Tracy shows a population of about 96,966. These local figures become more useful when read together with county-level tax, housing, foreclosure and demographic conditions rather than treated as isolated city statistics.
Foreclosure Activity: Data Pending. A county-specific foreclosure signal is not available yet.
For someone comparing homes, county boundaries can matter because taxes, public services, court and recording systems, assessment practices and housing-market conditions are often administered or reported at the county level. NarrowTheList keeps that county relationship attached to the community so future tax, foreclosure, housing and demographic data can be interpreted in the correct geographic context.
County relationship
San Joaquin County
How NarrowTheList uses it
County information is used as a supporting geographic layer, not as a substitute for local data. As more county datasets are added, NarrowTheList can use them to improve comparisons, ratings and relocation insights for Tracy.
For someone considering a move to Tracy, the available data currently points to housing affordability that deserves careful budgeting. These signals are most useful when considered alongside the specific neighborhood, commute and housing type that fit the household making the move.
Nearby Cities & Communities
Nearby incorporated cities, towns, villages and other municipalities shown by straight-line distance.