Tracy cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
Cost of living index131140100
Goods & Services index101111100
Groceries index125118100
Health care index100113100
Housing index175196100
Transportation index124128100
Utilities index129118100
Here we can see a simple outline of the cost of living in Tracy, CA. As you can see, with the average cost of living in Tracy, CA being 131, that puts it 6% lower than the average of California and 31% higher than our nation's average. This simple outline of the cost of living index was formulated using prices of: goods and services (weighted 33%), housing prices (weighted 30%), groceries (weighted 13%), utilities (weighted 10%), transportation (weighted 9%), and health care (weighted 5%). Thus, goods/services, along with housing influences the majority of the cost of living index. The price of daily goods and services is a valuable and reliable number to be aware of when considering the general price of the city's goods. In the case of Tracy, CA, the price of goods and services are 9% lower than the average of California as well as 1% higher than the nation's average.
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Did you know?

  • The cost of living in Tracy is 6% lower than the California average.
  • The cost of living in Tracy is 31% higher than the national average.
  • The cost of housing in Tracy is 75% higher than the national average.
  • California general sales tax is 42% higher than the national average.
  • California state income tax is 55% lower than the national average.

Compare Tracy, CA Cost of living To Other Cities

Salary Calculator

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Cost of living index
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
The salary calculator allows you to compare how much your current salary in Tracy, CA would be worth in another city. In other words, the salary calculator will adjust the figure you enter for cost of living so that you can determine how much more or much less you would need to earn while maintaining your current quality of living. If you are considering relocating to a more expensive city than Tracy, CA, the calculator will tell you how much more you need to earn so you can assess job offers more accurately. The Tracy, CA salary calculator is easy to use. All you do is enter the name of another city, then move the slider to your current income. After that, the salary calculator will crunch the numbers for you and give you the information you need about the place you are considering going. Additionally, it will show a detailed breakdown of the cost of living.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
How much of your monthly income goes to housing can tell you whether or not you can afford housing in Tracy, CA, as well as what the average cost of living is. Generally, a good rule to follow is that the debt-to-income (DTI) level you want to maintain is 28 percent or less of your income on your rent or mortgage payment and not more than 36 percent of income on all expenses and debts. In Tracy, CA homeowners have a median income of $94,895. Using that number, you will come up with a maximum of $2,214 per month that can be spent on the cost of housing. For those who are renting instead of owning, the median income is $60,278, which means there is a maximum of $1,406 to be spent on the costs of renting a home or apartment.

California Sales Tax

StateGeneral Sales TaxWith Max Surtax

California Income Tax

StateIncome Tax (Low)Income Tax (High)
One thing to keep in mind when considering the cost of living in Tracy, CA is the California sales tax and California income tax rates. Sales taxes are taxes that are collected on most goods or services sold. Sales taxes can vary by state and can be as high as 7% and as low as 0% as not every state imposes a sales tax. The California sales tax rate is 7.25% and the maximum surtax that can be charged is 10.5%. Income tax is the tax imposed on income by both the federal and state government. The income tax rates varies by individual state and will also be higher or lower depending on the applicable tax bracket. The rates of state income tax can vary from 0% to more than 9%. The California income tax rates range from 1% to 13.3%.

Goods & Services

ItemTracyNational avg.Difference
Haircut $18.00$17.492.9%
Beauty Salon $40.50$38.176.1%
Toothpaste $2.77$2.3219.3%
Shampoo $1.46$1.0144.3%
Movie $11.63$10.728.4%
Bowling $16.38$13.8618.2%


ItemTracyNational avg.Difference
Ground Beef $4.63$3.9018.7%
Fried Chicken $1.61$1.4015.4%
Milk $2.76$1.9640.7%
Potatoes $3.02$3.185.1%
Pizza $15.59$10.3950.0%
Beer $9.85$9.236.7%

Health Care

ItemTracyNational avg.Difference
Optometrist $114.40$106.347.6%
Doctor $124.33$115.257.9%
Dentist $83.10$98.3815.5%
Ibuprofen $12.12$9.2630.9%
Lipitor $489.24$466.474.9%


ItemTracyNational avg.Difference
Home Price $332,300.00$184,700.0079.9%
Avg. Mortgage Payment $1,816.22$1,273.3242.6%
Apartment Rent $1,542.00$949.0062.5%


ItemTracyNational avg.Difference
Gasoline $3.37$2.5930.1%
Tire Balancing $57.49$48.9017.6%


ItemTracyNational avg.Difference
All Electricity$253.20$167.6051.1%
Phone $182.40$163.4211.6%
Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City, StatePopulationCost of Living IndexNational Avg.
Kennedy, CA3,64196-4%
Westley, CA70789-11%
Taft Mosswood, CA93699-1%
French Camp, CA3,8101055%
Grayson, CA9901011%
Tracy, CA86,38213131%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Livermore, CA86,49317474%
Duluth, MN86,1641000%
Whittier, CA86,63014141%
Citrus Heights, CA85,95411414%
Newport Beach, CA86,813277177%
Tracy, CA86,38213131%
Source: The Tracy, CA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for 2019.
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