Cost of Living in Tracy, CA
Overall index: 156 (100 = US national average). Data source: US Census ACS 2023 & BLS OEWS 2025, 2025.
Overall Cost of Living Index
Cost Breakdown by Category
| Category | Index | vs US avg | Sample cost |
|---|---|---|---|
| Housing | 188 | +88% | $1,628 |
| Transportation | 105 | +5% | $3.50 |
| Food | 158 | +58% | $648 |
| Utilities | 144 | +44% | $338 |
| Healthcare | 144 | +44% | $244 |
Index 100 = US national average. Higher = more expensive.
Cost breakdown (visual)
Salary Calculator: What do you need to earn in Tracy?
A single adult living comfortably in Tracy, CA needs approximately $54,600 / year after taxes.
Already earning a salary somewhere else? Compare it directly:
Frequently Asked Questions
What is the cost of living in Tracy, CA?
The overall cost of living in Tracy, CA is 56% higher than the US national average (index: 156 where 100 = national average).
How much is rent in Tracy, CA?
Average rent for a 1-bedroom apartment in Tracy, CA is about $1,628/month.
Is Tracy, CA expensive to live in?
Yes, Tracy, CA is considered expensive (index above national average).
What salary do I need to live in Tracy, CA?
A single adult needs roughly $54,600/year to cover basic living costs in Tracy, CA.