Last update: Oct 2026

Cost of Living Comparison Between Tracy, CA and Lima

For one person, living is cheaper in Lima: $1,012 a month against $2,327 in Tracy, CA, rent and utilities included – about $15,800 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
49

Cost of Living Index in Lima
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Lima Living Index

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Tracy, CA

🇺🇸 United States

$2,327

/mo nomad

Lima

🇵🇪 Peru

$1,012

/mo nomad

Monthly Cost of Living

How much you'll spend in Tracy, CA and in Lima

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 Lima actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,327 in Tracy, CA versus $1,012 in Lima.

Tracy, CA $2,327
Lima $1,012

Estimated couple costs with rent: $2,585 in Tracy, CA versus $1,589 in Lima.

Tracy, CA $2,585
Lima $1,589

Monthly costs for a family of three with rent: $2,843 in Tracy, CA versus $2,167 in Lima.

Tracy, CA $2,843
Lima $2,167

Living in Tracy, CA is roughly 130% more expensive than in Lima, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Tracy, CA is 72% above, Lima is 25% below.

Meal at Budget Restaurant

$19.75 $19.75

$4.40 PEN 15.10

348.86%

Three-Course Dinner for Two, Mid-Range

$50.9 $50.9

$35.17 PEN 121

44.70%

Fast Food Meal (McDonalds, etc)

$10.10 $10.10

$6.89 PEN 23.65

46.59%

Cappuccino

$4.52 $4.52

$3.26 PEN 11.20

38.65%

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

$3.12 $3.12

$1.12 PEN 3.84

178.57%

Water (0.33 liter bottle)

$1.81 $1.81

$0.62 PEN 2.11

191.94%

Local Beer (0.5 liter draught)

$6.10 $6.10

$2.65 PEN 9.09

130.19%

Imported Beer (0.33 liter bottle)

$7.44 $7.44

$4.41 PEN 15.15

68.71%

Milk (1 liter)

$1.34 $1.34

$1.63 PEN 5.61

-17.79%

White Bread (500g)

$4.19 $4.19

$2.56 PEN 8.78

63.67%

Rice (white) (1kg)

$5.50 $5.50

$1.35 PEN 4.65

307.41%

Eggs

$3.42 $3.42

$2.90 PEN 9.96

17.93%

Local Cheese (1kg)

$16.30 $16.30

$8.85 PEN 30.38

84.18%

Chicken Fillets (1kg)

$11.11 $11.11

$5.98 PEN 20.52

85.79%

Beef Round Steak (1kg)

$15.47 $15.47

$9.78 PEN 33.59

58.18%

Apples (1kg)

$4.45 $4.45

$2.05 PEN 7.02

117.07%

Banana (1kg)

$2.26 $2.26

$1.06 PEN 3.66

113.21%

Oranges (1kg)

$4.36 $4.36

$1.35 PEN 4.64

222.96%

Tomato (1kg)

$4.36 $4.36

$1.50 PEN 5.15

190.67%

Potato (1kg)

$2.21 $2.21

$0.88 PEN 3.03

151.14%

Onion (1kg)

$3.23 $3.23

$0.92 PEN 3.15

251.09%

Lettuce (1 head)

$2.04 $2.04

$0.89 PEN 3.07

129.21%

Water (1.5 liter bottle)

$2.01 $2.01

$0.90 PEN 3.10

123.33%

Cigarettes 20 Pack (Marlboro, Camel)

$11.91 $11.91

$5.90 PEN 20.27

101.86%

Wine (Bottle)

$13.06 $13.06

$8.52 PEN 29.26

53.29%

Local Beer (0.5 liter bottle)

$2.10 $2.10

$1.88 PEN 6.45

11.70%

Imported Beer (0.33 liter bottle)

$2.75 $2.75

$3.22 PEN 11.05

-14.60%

One-way Ticket (Public Transport)

$0.68 PEN 2.33

Public Transport Monthly Pass (Regular Price)

$64.6 $64.6

$26.86 PEN 92.2

140.62%

Taxi Start (Normal Tariff)

$2.44 $2.44

$3.81 PEN 13.09

-35.96%

Taxi (Normal Tariff) (1km)

$1.85 $1.85

$2.02 PEN 6.93

-8.42%

Taxi 1hour Waiting (Normal Tariff)

$29.48 $29.48

$7.11 PEN 24.41

314.63%

Gasoline (1 liter)

$1.45 $1.45

$1.72 PEN 5.91

-15.70%

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

$37.3K $37.3K

$22.3K PEN 76.6K

67.14%

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

$25.8K $25.8K

$25.5K PEN 87.6K

1.27%

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

$179 $179

$73.1 PEN 251

144.74%

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

$50.6 $50.6

$16.35 PEN 56.2

209.17%

Internet (50+ Mbps, Unlimited Data)

$75.7 $75.7

$27.47 PEN 94.3

175.68%

Gym Membership (Monthly)

$31.90 PEN 110

Tennis Court (1 Hour on Weekend)

$19.41 PEN 66.7

Cinema Ticket

$14.93 $14.93

$7.05 PEN 24.23

111.77%

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

$2,471 $2,471

$182 PEN 627

1254.32%

International Primary School, 1 Child (Yearly)

$35.4K $35.4K

$13.0K PEN 44.8K

171.59%

Jeans (Levis 501 Or Similar)

$71.4 $71.4

$53.8 PEN 185

32.74%

Summer Dress (H&M, Zara, etc)

$72.0 $72.0

$34.32 PEN 118

109.70%

Sport Shoes (Adidas, Nike)

$95.8 $95.8

$82.8 PEN 284

15.67%

Men's Leather Business Shoes

$233 $233

$78.2 PEN 269

197.72%

1-bedroom Apartment, City Center (Monthly)

$1,775 $1,775

$721 PEN 2,476

146.13%

1-bedroom Apartment, Outside City Center (Monthly)

$991 $991

$343 PEN 1,179

188.61%

3-bedroom Apartment, City Center (Monthly)

$1,219 PEN 4,186

3-bedroom Apartment, Outside City Center (Monthly)

$651 PEN 2,235

Buy Apartment in City Center (m2)

$3,758 $3,758

$2,414 PEN 8,292

55.62%

Buy Apartment Outside City Center (m2)

$1,357 PEN 4,660

Average Monthly Net Salary (After Tax)

$5,739 $5,739

$648 PEN 2,226

785.58%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.62

8.94

-25.95%

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

Last update for Tracy, CA: October 12, 2026

Last update for Lima: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Tracy, CA

$991 42.6%

Lima

$343 33.9% 65.4% $648

Groceries & Markets

Tracy, CA

$404 17.4%

Lima

$226 22.3% 44.1% $178

Eating Out

Tracy, CA

$308 13.2%

Lima

$124 12.3% 59.7% $184

Monthly Utilities & Internet

Tracy, CA

$305 13.1%

Lima

$117 11.6% 61.7% $188

Clothing & Footwear

Tracy, CA

$212 9.1%

Lima

$112 11.1% 47.2% $100

Getting Around

Tracy, CA

$76 * 3.3%

Lima

$43 4.3% 43% $33

Sport & Entertainment

Tracy, CA

$30 * 1.3%

Lima

$46 4.6% 54.1% $16

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 $721 in Lima. Housing cost is often the main lever when comparing two cities.

Tracy, CA pays 786% 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: $51.0 in Tracy, CA vs $35.00 in Lima for a mid-range dinner for two. Groceries echo the gap at $404 vs $226 per month, with Lima cheaper across the board.

Good to know

🇺🇸 Tracy, CA

🇵🇪 Lima

🕒 Local time

09:00 9:00 AM

11:00 11:00 AM

2 h ahead of Tracy, CA

🌤 Weather

👥 Population

98,337

9,989,369 Capital

💱 Currency

United States Dollar USD $

Peruvian Sol PEN S/

📈 Exchange rate

1 USD = 0.89 EUR

1 PEN = 0.291 USD

1 PEN = 0.259 EUR

Exchange rates and currency converter

PEN, EUR to USD – United States Dollar Converter

🇵🇪 Peruvian Sol (S/)

🇺🇸 United States Dollar ($)

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

Peruvian Sol exchange rates as of October 18, 2026: 1 USD = 3.43 PEN (1 PEN = 0.291 USD). 1 EUR = 3.86 PEN (1 PEN = 0.259 EUR).

PEN to USD in detail →

On the map

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Between locations

Tracy, CA Lima 7,210 km ≈ 10 h nonstop flight

From you

Tracy, CA
Lima

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 Lima: Cost of Living - Frequently Asked Questions

Tracy, CA and Lima differ by about 130% in total monthly costs ($2,327 vs $1,012 including rent). Lima is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 786% 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 $721 in Lima. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $2,471 in Tracy, CA versus $182 in Lima. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 79% higher in Tracy, CA. For households that cook at home regularly, that difference adds up over a month.

At $1,012 in Lima versus $2,327 in Tracy, CA, a $2,000 budget is realistic in Lima but tight or insufficient in Tracy, CA. The gap between the two cities makes Lima the clear choice for anyone on this budget.

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 Lima gentler on the wallet – expenses run 130% less than in Tracy, CA. Beyond cost, consider language, visa policies, and how big the international community is in each city.