Last update: Oct 2026

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

For one person, living is cheaper in Tracy, CA: $2,327 a month against $2,663 in Austin, TX, rent and utilities included – about $4,000 less a year. Rent and utilities account for most of the difference.

114

Cost of Living Index in Tracy, CA
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Tracy, CA Living Index
130

Cost of Living Index in Austin, TX
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Austin, TX Living Index

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Tracy, CA

🇺🇸 United States

$2,327

/mo nomad

Austin, TX

🇺🇸 United States

$2,663

/mo nomad

Monthly Cost of Living

How much you'll spend in Tracy, CA and in Austin, TX

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

Monthly costs for one person with rent: $2,327 in Tracy, CA versus $2,663 in Austin, TX.

Tracy, CA $2,327
Austin, TX $2,663

Estimated couple costs with rent: $2,585 in Tracy, CA versus $4,133 in Austin, TX.

Tracy, CA $2,585
Austin, TX $4,133

Monthly costs for a family of three with rent: $2,843 in Tracy, CA versus $5,603 in Austin, TX.

Tracy, CA $2,843
Austin, TX $5,603

Living in Tracy, CA costs roughly 13% less than in Austin, TX, and outside of rent the biggest gap is in clothing.

Both cities are pricier than the global median: Tracy, CA 72% above, Austin, TX 97% above.

Meal at Budget Restaurant

$19.75 $19.75

$20.77 $20.77

-4.91%

Three-Course Dinner for Two, Mid-Range

$50.9 $50.9

$84.6 $84.6

-39.84%

Fast Food Meal (McDonalds, etc)

$10.10 $10.10

$12.32 $12.32

-18.02%

Cappuccino

$4.52 $4.52

$5.63 $5.63

-19.72%

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

$3.12 $3.12

$3.72 $3.72

-16.13%

Water (0.33 liter bottle)

$1.81 $1.81

$2.50 $2.50

-27.60%

Local Beer (0.5 liter draught)

$6.10 $6.10

$8.05 $8.05

-24.22%

Imported Beer (0.33 liter bottle)

$7.44 $7.44

$9.01 $9.01

-17.43%

Milk (1 liter)

$1.34 $1.34

$1.12 $1.12

19.64%

White Bread (500g)

$4.19 $4.19

$3.75 $3.75

11.73%

Rice (white) (1kg)

$5.50 $5.50

$3.26 $3.26

68.71%

Eggs

$3.42 $3.42

$4.17 $4.17

-17.99%

Local Cheese (1kg)

$16.30 $16.30

$12.90 $12.90

26.36%

Chicken Fillets (1kg)

$11.11 $11.11

$14.16 $14.16

-21.54%

Beef Round Steak (1kg)

$15.47 $15.47

$16.22 $16.22

-4.62%

Apples (1kg)

$4.45 $4.45

$4.33 $4.33

2.77%

Banana (1kg)

$2.26 $2.26

$1.46 $1.46

54.79%

Oranges (1kg)

$4.36 $4.36

$4.51 $4.51

-3.33%

Tomato (1kg)

$4.36 $4.36

$4.34 $4.34

0.46%

Potato (1kg)

$2.21 $2.21

$2.58 $2.58

-14.34%

Onion (1kg)

$3.23 $3.23

$2.35 $2.35

37.45%

Lettuce (1 head)

$2.04 $2.04

$1.78 $1.78

14.61%

Water (1.5 liter bottle)

$2.01 $2.01

$2.22 $2.22

-9.46%

Cigarettes 20 Pack (Marlboro, Camel)

$11.91 $11.91

$9.88 $9.88

20.55%

Wine (Bottle)

$13.06 $13.06

$15.08 $15.08

-13.40%

Local Beer (0.5 liter bottle)

$2.10 $2.10

$2.92 $2.92

-28.08%

Imported Beer (0.33 liter bottle)

$2.75 $2.75

$3.46 $3.46

-20.52%

One-way Ticket (Public Transport)

$1.49 $1.49

Public Transport Monthly Pass (Regular Price)

$64.6 $64.6

$41.72 $41.72

54.91%

Taxi Start (Normal Tariff)

$2.44 $2.44

$2.73 $2.73

-10.62%

Taxi (Normal Tariff) (1km)

$1.85 $1.85

$1.66 $1.66

11.45%

Taxi 1hour Waiting (Normal Tariff)

$29.48 $29.48

$35.30 $35.30

-16.49%

Gasoline (1 liter)

$1.45 $1.45

$0.95 $0.95

52.63%

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

$37.3K $37.3K

$36.0K $36.0K

3.44%

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

$25.8K $25.8K

$27.1K $27.1K

-4.60%

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

$179 $179

$229 $229

-21.90%

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

$50.6 $50.6

$59.4 $59.4

-14.88%

Internet (50+ Mbps, Unlimited Data)

$75.7 $75.7

$69.9 $69.9

8.32%

Gym Membership (Monthly)

$57.2 $57.2

Tennis Court (1 Hour on Weekend)

$16.33 $16.33

Cinema Ticket

$14.93 $14.93

$14.28 $14.28

4.55%

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

$2,471 $2,471

$1,506 $1,506

64.11%

International Primary School, 1 Child (Yearly)

$35.4K $35.4K

$21.5K $21.5K

65.06%

Jeans (Levis 501 Or Similar)

$71.4 $71.4

$52.8 $52.8

35.20%

Summer Dress (H&M, Zara, etc)

$72.0 $72.0

$43.82 $43.82

64.24%

Sport Shoes (Adidas, Nike)

$95.8 $95.8

$84.8 $84.8

13.01%

Men's Leather Business Shoes

$233 $233

$103 $103

126.13%

1-bedroom Apartment, City Center (Monthly)

$1,775 $1,775

$1,907 $1,907

-6.94%

1-bedroom Apartment, Outside City Center (Monthly)

$991 $991

$1,274 $1,274

-22.20%

3-bedroom Apartment, City Center (Monthly)

$3,664 $3,664

3-bedroom Apartment, Outside City Center (Monthly)

$2,538 $2,538

Buy Apartment in City Center (m2)

$3,758 $3,758

$7,614 $7,614

-50.65%

Buy Apartment Outside City Center (m2)

$3,157 $3,157

Average Monthly Net Salary (After Tax)

$5,739 $5,739

$5,121 $5,121

12.07%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.62

6.79

-2.50%

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

Last update for Tracy, CA: October 12, 2026

Last update for Austin, TX: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Tracy, CA

$991 42.6%

Austin, TX

$1.3K 47.8% 28.5% $283

Groceries & Markets

Tracy, CA

$404 17.4%

Austin, TX

$405 15.2% 0.1% $0.2

Eating Out

Tracy, CA

$308 13.2%

Austin, TX

$354 13.3% 15% $46

Monthly Utilities & Internet

Tracy, CA

$305 13.1%

Austin, TX

$358 13.5% 17.4% $53

Clothing & Footwear

Tracy, CA

$212 9.1%

Austin, TX

$128 4.8% 39.8% $84

Getting Around

Tracy, CA

$76 * 3.3%

Austin, TX

$59 2.2% 23.1% $18

Sport & Entertainment

Tracy, CA

$30 * 1.3%

Austin, TX

$86 3.2% 187% $56

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

Cost Breakdown

A one-bedroom apartment in the center runs $1,775 in Tracy, CA and $1,907 in Austin, TX. Housing cost is often the main lever when comparing two cities.

Tracy, CA pays 12% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $51.0 in Tracy, CA vs $85.0 in Austin, TX for a mid-range dinner for two. Groceries echo the gap at $404 vs $405 per month, with Tracy, CA cheaper across the board.

Good to know

🇺🇸 Tracy, CA

🇺🇸 Austin, TX

🕒 Local time

16:24 4:24 PM

18:24 6:24 PM

2 h ahead of Tracy, CA

🌤 Weather

👥 Population

98,337

974,447

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.89 EUR

Exchange rates and currency converter

On the map

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Highest

Between locations

Tracy, CA Austin, TX 2,330 km ≈ 3 h 30 min nonstop flight

From you

Tracy, CA
Austin, TX

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

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

Tracy, CA wins on cost – living expenses run 14% lower than in Austin, TX. Housing and daily spending are where you'll feel the difference most, making Tracy, CA the obvious pick if budget is a priority.

Average pay runs 12% higher in Tracy, CA, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $1,775 in Tracy, CA versus $1,907 in Austin, TX. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,327 per month in Tracy, CA versus $2,663 in Austin, TX – a 14% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Tracy, CA runs roughly 55% less than in Austin, TX. Both cities have functional networks, but the price difference matters if you're watching your budget.

Both cities are expensive relative to $2,000. Tracy, CA 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 Tracy, CA gentler on the wallet – expenses run 14% less than in Austin, TX. Beyond cost, consider language, visa policies, and how big the international community is in each city.