Tracy is located in California and has an overall cost of living that is +24% compared to the national average. Understanding the full picture of living expenses — from housing and rent to grocery bills and healthcare — is essential when considering a move to Tracy.

Housing: Median rent in Tracy is $2,608 / month, and the median home price is $869,025. Housing costs are +63% compared to the national average, which significantly impacts monthly budgets.

Groceries: Daily essentials like bread ($4.66), milk ($5.40), and eggs ($5.33) reflect the local grocery landscape. Overall grocery costs are +14% vs the national average.

Healthcare: Medical costs include doctor visits ($156.91), dentist visits ($126.04), and prescription drugs ($22.72). These costs should be factored into your monthly budget when planning a move.

California has a state income tax rate of 13.3%, which affects take-home pay for Tracy residents.

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Tracy, California Cost of Living FAQ

Common questions about living costs in Tracy.

Tracy, California has an overall cost of living that is +24% the national average. Housing costs are +63% vs the national average. Grocery prices are +14% vs average. Utilities are +15% vs average. This makes Tracy a relatively expensive city.

The median rent in Tracy, California is $2,608 / month. Average energy bills run $252.49 / month. Phone bills average $225.25 / month. Housing is typically the largest expense for residents.

Healthcare costs in Tracy: doctor's visit averages $156.91, dentist visit averages $126.04, prescription drugs average $22.72. Overall healthcare expenses in the area are influenced by the +14% grocery cost difference.

Tracy is one of 330 cities tracked in California. With an overall cost +24% vs the national average, it tends to be pricier than some smaller communities. Visit our California state page to compare all cities side-by-side and find the best fit for your budget.

Tracy offers cost of living +24% compared to the national average. Key factors to consider: median home price of $869,025, rent of $2,608 / month, and a state income tax of 13.3% in California. Explore our detailed cost breakdown above to see if Tracy fits your budget.