Cost of Living Comparison Between Austin, TX and Tracy, CA Cost of Living Comparison Between Austin, TX and Tracy, CA

Monthly Cost of Living

Monthly costs for one person with rent: $2,659 in Austin, TX versus $2,723 in Tracy, CA.

Estimated couple costs with rent: $4,101 in Austin, TX versus $3,916 in Tracy, CA.

Monthly costs for a family of three with rent: $5,542 in Austin, TX versus $5,110 in Tracy, CA.

Living in Austin, TX costs roughly 2% less than in Tracy, CA, driven mainly by Getting Around.

Both cities are pricier than the global median: Austin, TX 98% above, Tracy, CA 103% above.

Meal at Budget Restaurant

$19.63 $19.63

$20.31 $20.31

-3.35%

Three-Course Dinner for Two, Mid-Range

$75.1 $75.1

$50.5 $50.5

48.62%

Fast Food Meal (McDonalds, etc)

$9.92 $9.92

$9.97 $9.97

-0.50%

Cappuccino

$5.67 $5.67

$4.48 $4.48

26.56%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$2.77 $2.77

$3.06 $3.06

-9.48%

Water (0.33 liter bottle)

$2.17 $2.17

$1.80 $1.80

20.56%

Local Beer (0.5 liter draught)

$5.84 $5.84

$6.88 $6.88

-15.12%

Imported Beer (0.33 liter bottle)

$7.77 $7.77

$8.94 $8.94

-13.09%

Milk (1 liter)

$1.09 $1.09

$1.35 $1.35

-19.26%

White Bread (500g)

$3.41 $3.41

$4.14 $4.14

-17.63%

Rice (white) (1kg)

$3.43 $3.43

$3.27 $3.27

4.89%

Eggs

$4.39 $4.39

$3.43 $3.43

27.99%

Local Cheese (1kg)

$11.95 $11.95

$16.07 $16.07

-25.64%

Chicken Fillets (1kg)

$10.76 $10.76

$10.89 $10.89

-1.19%

Beef Round Steak (1kg)

$14.29 $14.29

$15.45 $15.45

-7.51%

Apples (1kg)

$4.84 $4.84

$4.30 $4.30

12.56%

Banana (1kg)

$1.55 $1.55

$2.14 $2.14

-27.57%

Oranges (1kg)

$4.46 $4.46

$4.33 $4.33

3.00%

Tomato (1kg)

$3.91 $3.91

$4.31 $4.31

-9.28%

Potato (1kg)

$2.74 $2.74

$2.24 $2.24

22.32%

Onion (1kg)

$2.74 $2.74

$3.35 $3.35

-18.21%

Lettuce (1 head)

$2.04 $2.04

$2.06 $2.06

-0.97%

Water (1.5 liter bottle)

$2.25 $2.25

$2.05 $2.05

9.76%

Cigarettes 20 Pack (Marlboro, Camel)

$8.93 $8.93

$11.05 $11.05

-19.19%

Wine (Bottle)

$14.85 $14.85

$12.85 $12.85

15.56%

Local Beer (0.5 liter bottle)

$2.35 $2.35

$2.25 $2.25

4.44%

Imported Beer (0.33 liter bottle)

$3.57 $3.57

$3.45 $3.45

3.48%

One-way Ticket (Public Transport)

$1.47 $1.47

$1.96 $1.96

-25.00%

Public Transport Monthly Pass (Regular Price)

$42.98 $42.98

$65.7 $65.7

-34.57%

Taxi Start (Normal Tariff)

$4.28 $4.28

$3.48 $3.48

22.99%

Taxi (Normal Tariff) (1km)

$1.84 $1.84

$1.85 $1.85

-0.54%

Taxi 1hour Waiting (Normal Tariff)

$35.54 $35.54

$29.61 $29.61

20.03%

Gasoline (1 liter)

$0.72 $0.72

$1.26 $1.26

-42.86%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$25.7K $25.7K

$29.6K $29.6K

-13.16%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$26.2K $26.2K

$27.2K $27.2K

-3.67%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$174 $174

$287 $287

-39.45%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$60.2 $60.2

$48.97 $48.97

23.01%

Internet (50+ Mbps, Unlimited Data)

$66.3 $66.3

$67.7 $67.7

-2.13%

Gym Membership (Monthly)

$62.8 $62.8

$42.26 $42.26

48.49%

Tennis Court (1 Hour on Weekend)

$9.83 $9.83

Cinema Ticket

$15.24 $15.24

$15.75 $15.75

-3.24%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$1,387 $1,387

$1,985 $1,985

-30.13%

International Primary School, 1 Child (Yearly)

$22.2K $22.2K

$26.4K $26.4K

-15.93%

Jeans (Levis 501 Or Similar)

$56.7 $56.7

$52.8 $52.8

7.40%

Summer Dress (H&M, Zara, etc)

$45.34 $45.34

$43.69 $43.69

3.78%

Sport Shoes (Adidas, Nike)

$86.5 $86.5

$89.3 $89.3

-3.20%

Men's Leather Business Shoes

$119 $119

$135 $135

-12.07%

1-bedroom Apartment, City Center (Monthly)

$2,247 $2,247

$1,630 $1,630

37.88%

1-bedroom Apartment, Outside City Center (Monthly)

$1,430 $1,430

$1,341 $1,341

6.70%

3-bedroom Apartment, City Center (Monthly)

$3,778 $3,778

$2,606 $2,606

44.97%

3-bedroom Apartment, Outside City Center (Monthly)

$2,641 $2,641

$2,225 $2,225

18.70%

Buy Apartment in City Center (m2)

$7,044 $7,044

$2,692 $2,692

161.69%

Buy Apartment Outside City Center (m2)

$3,162 $3,162

$2,625 $2,625

20.46%

Average Monthly Net Salary (After Tax)

$5,108 $5,108

$5,692 $5,692

-10.27%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.45

6.51

-0.92%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Austin, TX: May 31, 2026

Last update for Tracy, CA: June 1, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $2,247 in Austin, TX and $1,630 in Tracy, CA. Housing cost is often the main lever when comparing two cities.

Tracy, CA pays 11% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $75.0 in Austin, TX vs $51.0 in Tracy, CA. Groceries flip the comparison at $377 vs $394, with Austin, TX cheaper for home cooking.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Austin, TX vs Tracy, CA: Cost of Living - Frequently Asked Questions

Austin, TX wins on cost – living expenses run 2% lower than in Tracy, CA. Housing and daily spending are where you'll feel the difference most, making Austin, TX the obvious pick if budget is a priority.

On paper, Tracy, CA earns 11% less. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $2,247 in Austin, TX versus $1,630 in Tracy, CA. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,659 per month in Austin, TX versus $2,723 in Tracy, CA – a 2% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Austin, TX runs roughly 53% less than in Tracy, CA. Both cities have functional networks, but the price difference matters if you're watching your budget.

Both cities are expensive relative to $2,000. Austin, TX is the more realistic option, but even there you'll need to be disciplined with housing, food, and fun money.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Expats usually find Austin, TX gentler on the wallet – expenses run 2% less than in Tracy, CA. Beyond cost, consider language, visa policies, and how big the international community is in each city.