Tracy, CA
Population 95,358 · California
About Tracy, CA
Tracy is a mid-sized city located in California with a population of 95,358 residents according to the latest US Census Bureau American Community Survey data. The median household income is $118,253 per year, which is 57% above the national median of $75,149. The median age of 35.2 years is notably younger the US median age of 38.9 years, indicating a younger, often more dynamic population base.
Housing Market Overview
The housing market in Tracy features a median home value of $653,900, which is 167% above the national median of $244,900. This places Tracy in a higher-cost housing market, where property demand often outpaces supply. Median monthly rent is $2,325, 100% above the national average of $1,163/month. Of the 28,998 total housing units, 64% are owner-occupied (17,885 units) and 36% are renter-occupied (10,058 units). The balanced mix of owners and renters indicates a diverse housing market.
Economy & Employment
The local economy in Tracy shows an unemployment rate of 5.9%, which is significantly above the national rate of 3.7%, suggesting economic challenges in the area. The poverty rate stands at 7.7%, below the national average of 12.4%, reflecting generally favorable economic conditions. Workers in Tracy have an average one-way commute time of 42.8 minutes, suggesting many residents commute to jobs in a nearby metro area.
Education & Demographics
26.1% of Tracy residents aged 25 and older hold a bachelor's degree or higher, compared to the national average of 33.7%. This is in line with national trends in educational attainment. The community's demographic composition includes 32.2% White, 3.7% Hispanic or Latino, 0.9% Black or African American, and 7.6% Asian residents, with 28.7% of the population being foreign-born.
Cost of Living in Tracy, CA
Compared to national averages, Tracy has a median household income of $118,253 (57% above the national median of $75,149). Home values average $653,900, which is 167% above the national median. Monthly rent at $2,325 is 100% above the US average of $1,163. Within California, Tracy's income is 21% above the state average of $97,829, and home values are 0% above the state median of $653,874.
Why Live in Tracy, CA?
Tracy offers a strong local economy with a median household income of $118,253, well above the national average, and a low poverty rate of 7.7%, better than the national average.
Potential considerations include a competitive housing market where the typical home costs $653,900. However, as a mid-sized city, Tracy provides access to a wide range of amenities and services.
Tracy has a population of 95,358 with a median age of 35.2 years. Compare Tracy with other cities to see how it stacks up, or explore all cities in California.
Similar Cities Near Tracy
Cities in California with a similar population size.
| City | Population | Median Income | Home Value | |
|---|---|---|---|---|
| Arden-Arcade | 96,319 | $71,767 | $504,400 | Compare |
| San Marcos | 94,078 | $105,286 | $792,400 | Compare |
| Compton | 93,525 | $74,270 | $546,700 | Compare |
| Carson | 93,523 | $107,391 | $645,600 | Compare |
| Redding | 93,268 | $69,443 | $363,800 | Compare |
| Mission Viejo | 92,415 | $136,071 | $946,300 | Compare |
| Vista | 98,646 | $91,854 | $674,400 | Compare |
| South Gate | 91,836 | $71,315 | $608,500 | Compare |
Demographics
Racial & Ethnic Composition
Economy & Education
Housing
Other Cities in California
Data source: US Census Bureau ACS 5-Year Estimates. Last updated: 2026-04-05.
Compare Tracy With Other Cities
Frequently Asked Questions about Tracy
What is the population of Tracy, CA?
The population of Tracy, CA is 95,358 according to the latest US Census Bureau American Community Survey estimates. This makes it a mid-sized city in California.
What is the median household income in Tracy?
The median household income in Tracy, CA is $118,253 per year, which is 57% above the national median of $75,149.
What is the median home value in Tracy?
The median home value in Tracy, CA is $653,900, which is 167% above the national median of $244,900. The majority of housing units are owner-occupied.
What is the average rent in Tracy?
The median monthly rent in Tracy, CA is $2,325, which is 100% above the national average of $1,163/month.
What is the unemployment rate in Tracy?
The unemployment rate in Tracy, CA is 5.9%, compared to the national average of 3.7%. Job seekers may want to research the dominant industries in the area.
Is Tracy, CA a good place to live?
Tracy offers above-average incomes, a competitive housing market, and growing employment opportunities. With a population of 95,358 and a median age of 35.2, the city appeals to a broad range of residents.
How educated is Tracy, CA?
26.1% of residents in Tracy aged 25 and older hold a bachelor's degree or higher, compared to the national average of 33.7%. The educational profile reflects the area's industry mix and employment landscape.
What is the cost of living in Tracy?
Key cost-of-living indicators for Tracy, CA: median home value is $653,900 (167% above national), median rent is $2,325/month, and median household income is $118,253. The home-value-to-income ratio is 5.5x, a moderate figure by national standards.
What is the poverty rate in Tracy?
The poverty rate in Tracy, CA is 7.7%, compared to the national average of 12.4%. This below-average poverty rate reflects generally favorable economic conditions in the community.
How diverse is Tracy, CA?
Tracy's population is 32.2% White, 3.7% Hispanic or Latino, 0.9% Black or African American, 7.6% Asian, and 5.9% two or more races. 28.7% of residents are foreign-born.