Last update: Oct 2026

Cost of Living Comparison Between San Jose and Tracy, CA

For one person, living is cheaper in San Jose: $1,938 a month against $2,327 in Tracy, CA, rent and utilities included – about $4,700 less a year. Rent and utilities account for most of the difference.

94

Cost of Living Index in San Jose
Learn more

San Jose Living Index
114

Cost of Living Index in Tracy, CA
Learn more

Tracy, CA Living Index

Jump to prices

San Jose

🇨🇷 Costa Rica

$1,938

/mo nomad

Tracy, CA

🇺🇸 United States

$2,327

/mo nomad

Monthly Cost of Living

How much you'll spend in San Jose and in Tracy, CA

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in San Jose and in Tracy, CA actually costs, broken down by who's living it.

A single person spends $1,938 per month in San Jose vs $2,327 in Tracy, CA, rent included.

San Jose $1,938
Tracy, CA $2,327

A couple spends around $2,936 per month in San Jose vs $2,585 in Tracy, CA, rent included.

San Jose $2,936
Tracy, CA $2,585

A family of three spends $3,934 per month in San Jose vs $2,843 in Tracy, CA, rent included.

San Jose $3,934
Tracy, CA $2,843

San Jose is about 17% cheaper than Tracy, CA, and outside of rent the biggest gap is in eating out.

Both San Jose and Tracy, CA sit above the global median – San Jose by 44%, Tracy, CA by 72%.

Meal at Budget Restaurant

$12.38 ₡5,551

$19.75 $19.75

-37.32%

Three-Course Dinner for Two, Mid-Range

$60.9 ₡27.3K

$50.9 $50.9

19.59%

Fast Food Meal (McDonalds, etc)

$11.45 ₡5,135

$10.10 $10.10

13.37%

Cappuccino

$4.39 ₡1,967

$4.52 $4.52

-2.88%

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

$2.70 ₡1,211

$3.12 $3.12

-13.46%

Water (0.33 liter bottle)

$1.93 ₡864

$1.81 $1.81

6.63%

Local Beer (0.5 liter draught)

$3.20 ₡1,433

$6.10 $6.10

-47.54%

Imported Beer (0.33 liter bottle)

$4.41 ₡1,979

$7.44 $7.44

-40.73%

Milk (1 liter)

$2.44 ₡1,093

$1.34 $1.34

82.09%

White Bread (500g)

$3.05 ₡1,369

$4.19 $4.19

-27.21%

Rice (white) (1kg)

$2.41 ₡1,081

$5.50 $5.50

-56.18%

Eggs

$3.40 ₡1,523

$3.42 $3.42

-0.58%

Local Cheese (1kg)

$10.75 ₡4,823

$16.30 $16.30

-34.05%

Chicken Fillets (1kg)

$10.43 ₡4,679

$11.11 $11.11

-6.12%

Beef Round Steak (1kg)

$13.99 ₡6,273

$15.47 $15.47

-9.57%

Apples (1kg)

$5.25 ₡2,353

$4.45 $4.45

17.98%

Banana (1kg)

$1.59 ₡712

$2.26 $2.26

-29.65%

Oranges (1kg)

$4.69 ₡2,103

$4.36 $4.36

7.57%

Tomato (1kg)

$3.95 ₡1,770

$4.36 $4.36

-9.40%

Potato (1kg)

$3.92 ₡1,760

$2.21 $2.21

77.38%

Onion (1kg)

$3.68 ₡1,651

$3.23 $3.23

13.93%

Lettuce (1 head)

$1.12 ₡503

$2.04 $2.04

-45.10%

Water (1.5 liter bottle)

$3.19 ₡1,429

$2.01 $2.01

58.71%

Cigarettes 20 Pack (Marlboro, Camel)

$6.00 ₡2,692

$11.91 $11.91

-49.62%

Wine (Bottle)

$19.56 ₡8,771

$13.06 $13.06

49.77%

Local Beer (0.5 liter bottle)

$2.82 ₡1,263

$2.10 $2.10

34.29%

Imported Beer (0.33 liter bottle)

$3.59 ₡1,611

$2.75 $2.75

30.55%

One-way Ticket (Public Transport)

$1.12 ₡503

Public Transport Monthly Pass (Regular Price)

$66.8 ₡30.0K

$64.6 $64.6

3.34%

Taxi Start (Normal Tariff)

$2.50 ₡1,119

$2.44 $2.44

2.46%

Taxi (Normal Tariff) (1km)

$1.63 ₡733

$1.85 $1.85

-11.89%

Taxi 1hour Waiting (Normal Tariff)

$8.50 ₡3,812

$29.48 $29.48

-71.17%

Gasoline (1 liter)

$1.56 ₡701

$1.45 $1.45

7.59%

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

$22.4K ₡10.0M

$37.3K $37.3K

-39.91%

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

$35.6K ₡16.0M

$25.8K $25.8K

37.76%

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

$95.2 ₡42.7K

$179 $179

-46.75%

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

$35.58 ₡16.0K

$50.6 $50.6

-29.61%

Internet (50+ Mbps, Unlimited Data)

$58.6 ₡26.3K

$75.7 $75.7

-22.58%

Gym Membership (Monthly)

$72.7 ₡32.6K

Tennis Court (1 Hour on Weekend)

$24.85 ₡11.1K

Cinema Ticket

$7.58 ₡3,401

$14.93 $14.93

-49.23%

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

$1,001 ₡449.0K

$2,471 $2,471

-59.48%

International Primary School, 1 Child (Yearly)

$17.1K ₡7.7M

$35.4K $35.4K

-51.62%

Jeans (Levis 501 Or Similar)

$70.5 ₡31.6K

$71.4 $71.4

-1.27%

Summer Dress (H&M, Zara, etc)

$55.8 ₡25.0K

$72.0 $72.0

-22.44%

Sport Shoes (Adidas, Nike)

$130 ₡58.2K

$95.8 $95.8

35.43%

Men's Leather Business Shoes

$131 ₡58.7K

$233 $233

-43.85%

1-bedroom Apartment, City Center (Monthly)

$927 ₡415.8K

$1,775 $1,775

-47.76%

1-bedroom Apartment, Outside City Center (Monthly)

$774 ₡347.2K

$991 $991

-21.88%

3-bedroom Apartment, City Center (Monthly)

$1,967 ₡882.0K

3-bedroom Apartment, Outside City Center (Monthly)

$1,288 ₡577.6K

Buy Apartment in City Center (m2)

$2,274 ₡1.0M

$3,758 $3,758

-39.48%

Buy Apartment Outside City Center (m2)

$1,831 ₡821.0K

Average Monthly Net Salary (After Tax)

$1,016 ₡455.8K

$5,739 $5,739

-82.29%

20-Year Fixed Mortgage Interest Rate (Annual %)

8.62

6.62

30.21%

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

Last update for San Jose: October 11, 2026

Last update for Tracy, CA: October 12, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

San Jose

$774 40%

Tracy, CA

$991 42.6% 28% $217

Groceries & Markets

San Jose

$401 20.7%

Tracy, CA

$404 17.4% 0.8% $3.4

Eating Out

San Jose

$229 11.8%

Tracy, CA

$308 13.2% 34.2% $78

Monthly Utilities & Internet

San Jose

$189 9.8%

Tracy, CA

$305 13.1% 61.1% $116

Clothing & Footwear

San Jose

$174 9%

Tracy, CA

$212 9.1% 22% $38

Sport & Entertainment

San Jose

$88 4.5%

Tracy, CA

$30 * 1.3% 66% $58

Getting Around

San Jose

$82 4.2%

Tracy, CA

$76 * 3.3% 6.9% $5.6

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A central one-bedroom costs $927 in San Jose versus $1,775 in Tracy, CA. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 465% higher in Tracy, CA, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $61.0 in San Jose versus $51.0 in Tracy, CA. Groceries tell a different story – $401 in San Jose vs $404 in Tracy, CA – so San Jose wins on supermarket bills even if dining out costs more.

Good to know

🇨🇷 San Jose

🇺🇸 Tracy, CA

🕒 Local time

15:05 3:05 PM

14:05 2:05 PM

1 h behind San Jose

🌤 Weather

👥 Population

342,188 Capital

98,337

💱 Currency

Costa Rican Colón CRC ₡

United States Dollar USD $

📈 Exchange rate

1,000 CRC = 2.23 USD

1,000 CRC = 1.98 EUR

1 USD = 0.89 EUR

Exchange rates and currency converter

USD, EUR to CRC – Costa Rican Colón Converter

🇺🇸 United States Dollar ($)

🇨🇷 Costa Rican Colón (₡)

Costa Rican Colón exchange rates as of October 18, 2026: 1 USD = 448 CRC (1,000 CRC = 2.23 USD). 1 EUR = 504 CRC (1,000 CRC = 1.98 EUR).

United States Dollar exchange rates as of October 18, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

USD to CRC in detail →

On the map

Lowest

Highest

Between locations

San Jose Tracy, CA 4,840 km ≈ 7 h nonstop flight

From you

San Jose
Tracy, CA

Distances are measured in a straight line. Your location is detected approximately.

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

San Jose vs Tracy, CA: Cost of Living - Frequently Asked Questions

Yes – Tracy, CA is pricier by about 20%, and outside of rent the gap shows up most in eating out.

For a comfortable life, plan on about $2,907 per month in San Jose and $3,490 in Tracy, CA. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in San Jose, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

A mid-range dinner for two costs $61.0 in San Jose and $51.0 in Tracy, CA. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Monthly expenses with rent come to $1,938 in San Jose and $2,327 in Tracy, CA. That's a gap of about 20%.

A $2,500 monthly budget goes further in San Jose, where all-in costs run around $1,938, than in Tracy, CA at $2,327. In San Jose it covers expenses comfortably, while in Tracy, CA it requires careful planning or may not stretch far enough.

Families tend to lean toward San Jose – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

If budget matters most, go with San Jose. If higher salaries, better infrastructure, or specific career opportunities are the priority, Tracy, CA makes more sense. Both are solid long-term options with distinct trade-offs.