City profile · California · Census ACS 2023

Tracy, CA

Population, income, housing, safety, climate and schools for Tracy - drawn straight from Census ACS, FBI UCR, NOAA, NCES, HUD and FEMA, refreshed on the 2024–2025 release cycle.

95,358
Residents
$118,253
Median income
$653,900
Median home
$1,742
Median rent (state)

Tracy - the verdict

Tracy ranks in the 86th percentile for household income and the 35th percentile for safety nationally, out of every US city with at least 1,000 residents. Source: Census ACS + FBI UCR.

86th
percentile, household income
91st
percentile, home value
71st
percentile, median rent
35th
percentile, safety
📝 How we sourced this

Population, income, and housing-cost figures come from the U.S. Census Bureau American Community Survey 5-year estimates (B-series tables). Crime data uses FBI UCR; climate uses NOAA Climate Normals; school counts come from NCES Common Core of Data; permits use the Census Building Permits Survey (BPS). See our methodology page for the full ETL pipeline and OMB / FIPS join keys.

Data Snapshot: Tracy, CA

California's Tracy is a small city, with 95,358 residents per the latest Census Bureau ACS figures. The typical household in Tracy brings in $118,253 a year, placing it in the top quartile of U.S. cities for household income, with a poverty rate of 5.9%. Home values in Tracy run a median of $653,900, and the median resident age is 35.2 years. Educational attainment runs 26.1% of adults with a bachelor's degree or higher. Separately, 63.4% of working-age residents are in the labor force.

The Census Building Permit Survey recorded 652 residential units authorized here in 2024 (Slowing), down 21% from five years earlier. Crime here tracks close to the national norm: FBI UCR figures show 1893.1 crimes per 100,000 residents, near the national average (reporting is voluntary across agencies, so treat this as reporting activity rather than a definitive danger score).

California carries a cost-of-living premium: the state registers 110.7 on a 100-equals-national-average index (Well Above Average) per BEA Regional Price Parities 2024. A typical two-bedroom carries a HUD Fair Market Rent of $1,742 per month statewide. Monthly utility costs average around $275 across California, per EIA 2023 residential energy estimates. Workers in Tracy report an average commute of 37.3 minutes, with 69.9% driving alone and 13.0% working from home. Natural-hazard exposure scores 98.6 out of 100 on FEMA's National Risk Index (Very High).

Population

95,358 residents

Census ACS 2023 - California

Median Household Income

$118,253 /yr

Poverty 5.9%

Cost of Living Index (state)

110.7 (US=100)

Well Above Average - BEA RPP 2024, California average

How does Tracy compare to other US cities?

Tracy measured against every US city with 1,000+ residents, computed live from the same Census and FBI data shown throughout this page.

Household income 86% higher than other cities
Home value 91% pricier than other cities
Median rent 71% pricier than other cities
Safety 35% safer than other cities

"Safer than" reflects total crime rate from FBI UCR; the others use Census ACS estimates.

Zoom in to just California and the picture shifts: Tracy ranks #219 of 441 California cities by lowest crime rate, a different read than the national percentile above.

How we calculate these percentiles & ranks

For each metric we count every US city with population 1,000+ and a non-null value, then compute what share of them fall below Tracy's value: round(cities-below ÷ total × 100). Safety is inverted (percentile = share of cities with a higher crime rate) so a higher number always means safer. The in-state rank narrows that same crime-rate comparison to only the cities PlainCities tracks in California, breaking ties alphabetically. See the methodology page for the full source-to-figure lineage.

86thIncome percentile
35thSafety percentile

86th percentile nationally for median household income · 35th percentile for safety (lower crime rate). Source: Census ACS 2023 / FBI UCR 2023.

Tracy's profile vs. every US city

Income, affordability, and safety percentile

Tracy's percentile rank on 3 favorable-direction measures (income, affordability, safety) vs. every tracked US city -- higher on every axis is more favorable. Not a composite quality score, just the arithmetic mean of the axes shown. 3-axis radar comparing 1 series across Income, Affordability, Safety. IncomeAffordabilitySafety 47 Avg. percentile National median
Tracy's percentile rank on 3 favorable-direction measures (income, affordability, safety) vs. every tracked US city -- higher on every axis is more favorable. Not a composite quality score, just the arithmetic mean of the axes shown.

How Tracy's home value compares nationally

Median home value vs. every US city (population 1,000+)

$653,900 9th percentile more affordable than 9% of 15,600 US cities

$0–$25,000: 5 US cities (0%). Below this entry. $25,000–$50,000: 54 US cities (0%). Below this entry. $50,000–$75,000: 352 US cities (2%). Below this entry. $75,000–$100,000: 1,086 US cities (7%). Below this entry. $100,000–$125,000: 1,516 US cities (10%). Below this entry. $125,000–$150,000: 1,170 US cities (8%). Below this entry. $150,000–$175,000: 1,278 US cities (8%). Below this entry. $175,000–$200,000: 1,229 US cities (8%). Below this entry. $200,000–$225,000: 1,035 US cities (7%). Below this entry. $225,000–$250,000: 976 US cities (6%). Below this entry. $250,000–$275,000: 754 US cities (5%). Below this entry. $275,000–$300,000: 712 US cities (5%). Below this entry. $300,000–$325,000: 521 US cities (3%). Below this entry. $325,000–$350,000: 526 US cities (3%). Below this entry. $350,000–$375,000: 465 US cities (3%). Below this entry. $375,000–$400,000: 393 US cities (3%). Below this entry. $400,000–$425,000: 317 US cities (2%). Below this entry. $425,000–$450,000: 300 US cities (2%). Below this entry. $450,000–$475,000: 307 US cities (2%). Below this entry. $475,000–$500,000: 250 US cities (2%). Below this entry. $500,000–$525,000: 160 US cities (1%). Below this entry. $525,000–$550,000: 156 US cities (1%). Below this entry. $550,000–$575,000: 172 US cities (1%). Below this entry. $575,000–$600,000: 172 US cities (1%). Below this entry. $600,000–$625,000: 163 US cities (1%). Below this entry. $625,000–$650,000: 167 US cities (1%). Below this entry. $650,000–$675,000: 135 US cities (1%). This entry sits in this band. $675,000–$700,000: 101 US cities (1%). Above this entry. $700,000–$725,000: 95 US cities (1%). Above this entry. $725,000–$750,000: 71 US cities (0%). Above this entry. $750,000–$775,000: 65 US cities (0%). Above this entry. $775,000–$800,000: 70 US cities (0%). Above this entry. $800,000–$825,000: 57 US cities (0%). Above this entry. $825,000–$850,000: 67 US cities (0%). Above this entry. $850,000–$875,000: 60 US cities (0%). Above this entry. $875,000–$900,000: 58 US cities (0%). Above this entry. $900,000–$925,000: 47 US cities (0%). Above this entry. $925,000–$950,000: 37 US cities (0%). Above this entry. $950,000–$975,000: 31 US cities (0%). Above this entry. $975,000–$1,000,000: 470 US cities (3%). Above this entry. $1,000,000–$1,025,000: 0 US cities (0%). Above this entry. Tracy $0 $1,025,000 every US city, bucketed by value

Each bar is a $25K-wide band; taller bars hold more US cities. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau ACS 5-Year Estimates · 2023

Income distribution context

Household income distribution - Tracy, CA Tracy, CA's reported median household income shown against the U.S. national quintile-share pattern (not Tracy, CA-specific quintile data). The Lorenz curve traces the national cumulative income share against cumulative population share, perfect equality is the diagonal; observed inequality bows below. $ Household Income Distribution Tracy, CA median $118,253/yr, vs. U.S. national quintile pattern QUINTILE SHARE OF AGGREGATE INCOME Lowest 20% 3.4% Second 20% 9.2% Middle 20% 15.1% Fourth 20% 23.2% Top 20% 49.1% LORENZ CURVE cumulative income vs. population 100% 0% 100% pop. 0%
Tracy, CA's median household income (Census ACS 5-year estimate) plotted against the U.S. national income-quintile distribution pattern for context; the quintile shares and Lorenz curve are national figures, not computed specifically for Tracy, CA. Diagonal = perfect equality.

Key socioeconomic indicators

Bachelor's degree or higher (adults 25+) 26.1%

Census ACS S1501, educational attainment

Poverty rate (households below FPL) 5.9%

Census ACS S1701, poverty status

Labor force participation (adults 16+) 63.4%

Census ACS S2301, share of working-age residents in the labor force

Population
95,358
Median Income
$118,253
Median Home Value
$653,900
Median Age
35.2
Poverty Rate
5.9%
Labor force participation
63.4%
Bachelor's Degree+
26.1%

Safety & Crime

Total Crime Rate
1893.1
per 100,000 residents
Violent Crime
301.4
per 100,000 residents
Property Crime
1591.7
per 100,000 residents

Reflects incidents reported to the FBI's Uniform Crime Reporting program — agency participation is voluntary and reporting completeness varies by jurisdiction and year, so this reflects reporting activity, not a definitive danger score. Not adjusted for tourism, commuter, or daytime population.

Schools

Total Schools
36
Public schools in this city

Population Change

Annual U.S. Census Bureau Population Estimates Program (PEP) estimates, 2020–2025

See the fastest-growing cities →
90,000 residents95,000 residents100,000 residents105,000 residents 202020212022202320242025 93,635 residents 101,901 residents ▲ +8.8%
Tracy's Census PEP population estimates, 2020–2025.

Housing Supply

Census Bureau Building Permits Survey (BPS) - annual residential permits authorized

🏗️ Slowing
Total Permits (2024)
652
housing units authorized
Single-Family
646
detached homes
Multifamily
6
apartments & condos
Supply Intensity
6.8
permits per 1,000 residents

5-Year Permit Trend (2019–2024)

Year Total
2019 821
2020 869
2021 958
2022 519
2023 139
2024 652

Permit volume decreased 21% from 2019 to 2024.

Commute Patterns

How workers travel to work, Census ACS 2023

Average Commute Time
37.3 minutes
Drive Alone
69.9%
Carpool
12.5%
Public Transit
1.5%
Walk
1.2%
Work from Home
13.0%
Other
1.9%

Based on 44,477 workers 16 and over.

Monthly Utility Costs

State-average estimates for California - EIA 2023 residential energy data

Electricity
$150
avg/month
Natural Gas
$55
avg/month
Water & Sewer
$70
avg/month
Total Utilities
$275
estimated/month

Estimates reflect California state averages. Actual costs vary by home size, usage, and local rates. Source: U.S. Energy Information Administration (EIA) 2023.

Living Costs & Risk

Cost of living is a California state average from BEA; rent and hazard risk are county-level figures from HUD and FEMA for the county Tracy sits in

Cost of Living Index
110.7
Well Above Average
US average = 100 · BEA RPP 2024
Typical 2-BR Rent
$1,742/mo
HUD Fair Market Rent
County-level FMR estimate
Natural Hazard Risk
98.6 / 100
Very High
FEMA NRI composite score (county)

Similar Cities in California

Arden-Arcade
96,319 people
San Marcos
94,078 people
Compton
93,525 people
Carson
93,523 people
Redding
93,268 people
Mission Viejo
92,415 people

Cities of a Similar Size Nationwide

Population-matched peers from other states, closest to Tracy's 95,358 residents (Census ACS 5-Year 2023).

Lawrence, KS
95,459 people
Edmond, OK
95,618 people
Deltona, FL
95,682 people
Reading, PA
94,836 people
Sandy, UT
94,723 people
Asheville, NC
94,369 people

Cities with a Similar Household Income Nationwide

Median-household-income-matched peers from other states, closest to Tracy's $118,253 (Census ACS 5-Year 2023, table B19013).

Fort Loudon, PA
$118,269 median income
Palm Valley, FL
$118,280 median income
Orland Hills, IL
$118,281 median income
Lake Stevens, WA
$118,290 median income
Saugatuck, MI
$118,309 median income
Tuxedo, NY
$118,317 median income

Race & Ethnicity Composition

Race and ethnicity - Tracy, CA Race categories sum to one hundred percent per Census methodology. Hispanic or Latino is shown separately as an ethnicity overlay; it cuts across all race categories per OMB Directive 15. Race & Ethnicity Composition Tracy, CA - Census ACS, OMB race + ethnicity categories RACE, sums to 100% 34.9% 6.1% 22.0% 16.1% 19.0% ETHNICITY, Hispanic or Latino (any race) 41.4% White 34.9% Black or African American 6.1% Asian 22.0% American Indian 1.3% Native Hawaiian 0.7% Some other race 16.1% Two or more races 19.0% Per OMB Directive 15: Hispanic/Latino ethnicity is reported separately from the race categories.
Race categories sum to 100%. Hispanic or Latino ethnicity is reported separately and cuts across race per Census/OMB methodology.

City-level race and ethnicity, Census ACS 5-year 2023 (tables B02001, B03001), OMB Directive 15 categories.

How Tracy compares to nearby California cities

Population + median household income, sourced from Census Bureau ACS 5-year B01001 (population) and B19013 (median household income).

City Population Median Household Income
Tracy (this city) 95,358 $118,253
Arden-Arcade 96,319 $71,767
San Marcos 94,078 $105,286
Compton 93,525 $74,270
Census ACS 5-year FIPS CA FBI UCR NCES CCD Census BPS 2024 OMB Bulletin 23-01

What do people ask about Tracy, CA?

What is the population of Tracy, CA? +

The population of Tracy, CA stands at 95,358 according to U.S. Census Bureau ACS 2023 estimates.

What is the median household income in Tracy, CA? +

The median household income in Tracy is $118,253 per year, based on Census ACS 2023 data.

What is the cost of living in Tracy? +

BEA does not publish a city-level cost-of-living figure for Tracy; the closest available measure is the California state average, a cost of living index of 110.7 (U.S. average = 100), rated "Well Above Average" based on BEA Regional Price Parities 2024 data. Costs within California vary by metro area.

Is Tracy, CA safe? +

Tracy has a total crime rate of 1893.1 per 100,000 residents, which is near the national average. This reflects incidents reported to the FBI UCR program, not a definitive safety score -- agency reporting is voluntary and completeness varies by jurisdiction.

What is the median home value in Tracy, CA? +

A typical home in Tracy is worth $653,900, according to Census ACS 2023 estimates.

Source: U.S. Census Bureau ACS 5-Year 2023, FBI UCR, NCES CCD, Census BPS 2024, Census ACS B08301/B08136, U.S. Energy Information Administration (EIA) 2023, BEA Regional Price Parities 2024, HUD Fair Market Rents 2026, FEMA National Risk Index.

Read our methodology - how this data is sourced, computed, and verified.

Primary sources: Census ACS, FBI UCR, NOAA Climate Normals, NCES.

Citation & verification links Data sourced from the U.S. Census Bureau. See our methodology for details. Retrieved and formatted by PlainCities Editorial

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Every figure on PlainCities is rendered directly from Census ACS source data, no number is typed in by an editor. This page draws directly on Census ACS source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.