Last update: Oct 2026

Cost of Living Comparison Between Tracy, CA and Seattle, WA

For one person, living is cheaper in Tracy, CA: $2,326 a month against $3,785 in Seattle, WA, rent and utilities included – about $17,500 less a year. Rent and utilities account for most of the difference.

112

Cost of Living Index in Tracy, CA
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Tracy, CA Living Index
184

Cost of Living Index in Seattle, WA
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Seattle, WA Living Index

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Tracy, CA

🇺🇸 United States

$2,326

/mo nomad

Seattle, WA

🇺🇸 United States

$3,785

/mo nomad

Monthly Cost of Living

How much you'll spend in Tracy, CA and in Seattle, WA

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

Monthly costs for one person with rent: $2,326 in Tracy, CA versus $3,785 in Seattle, WA.

Tracy, CA $2,326
Seattle, WA $3,785

Estimated couple costs with rent: $2,588 in Tracy, CA versus $5,688 in Seattle, WA.

Tracy, CA $2,588
Seattle, WA $5,688

Monthly costs for a family of three with rent: $2,850 in Tracy, CA versus $7,592 in Seattle, WA.

Tracy, CA $2,850
Seattle, WA $7,592

Living in Tracy, CA costs roughly 39% less than in Seattle, WA, and outside of rent the biggest gap is in groceries.

Both cities are pricier than the global median: Tracy, CA 71% above, Seattle, WA 178% above.

Meal at Budget Restaurant

$19.79 $19.79

$25.30 $25.30

-21.78%

Three-Course Dinner for Two, Mid-Range

$50.6 $50.6

$101 $101

-49.83%

Fast Food Meal (McDonalds, etc)

$10.14 $10.14

$14.76 $14.76

-31.30%

Cappuccino

$4.54 $4.54

$6.50 $6.50

-30.15%

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

$2.94 $2.94

$3.21 $3.21

-8.41%

Water (0.33 liter bottle)

$1.87 $1.87

$3.14 $3.14

-40.45%

Local Beer (0.5 liter draught)

$6.08 $6.08

$7.97 $7.97

-23.71%

Imported Beer (0.33 liter bottle)

$7.39 $7.39

$8.13 $8.13

-9.10%

Milk (1 liter)

$1.31 $1.31

$1.17 $1.17

11.97%

White Bread (500g)

$4.34 $4.34

$5.30 $5.30

-18.11%

Rice (white) (1kg)

$5.48 $5.48

$6.40 $6.40

-14.37%

Eggs

$3.48 $3.48

$5.06 $5.06

-31.23%

Local Cheese (1kg)

$16.48 $16.48

$18.71 $18.71

-11.92%

Chicken Fillets (1kg)

$10.96 $10.96

$18.72 $18.72

-41.45%

Beef Round Steak (1kg)

$15.32 $15.32

$22.88 $22.88

-33.04%

Apples (1kg)

$4.46 $4.46

$6.06 $6.06

-26.40%

Banana (1kg)

$2.26 $2.26

$1.95 $1.95

15.90%

Oranges (1kg)

$4.37 $4.37

$5.51 $5.51

-20.69%

Tomato (1kg)

$4.52 $4.52

$6.52 $6.52

-30.67%

Potato (1kg)

$2.16 $2.16

$3.49 $3.49

-38.11%

Onion (1kg)

$3.38 $3.38

$3.29 $3.29

2.74%

Lettuce (1 head)

$2.03 $2.03

$2.80 $2.80

-27.50%

Water (1.5 liter bottle)

$1.97 $1.97

$2.58 $2.58

-23.64%

Cigarettes 20 Pack (Marlboro, Camel)

$11.98 $11.98

$12.49 $12.49

-4.08%

Wine (Bottle)

$13.24 $13.24

$14.87 $14.87

-10.96%

Local Beer (0.5 liter bottle)

$2.01 $2.01

$4.19 $4.19

-52.03%

Imported Beer (0.33 liter bottle)

$2.90 $2.90

$5.80 $5.80

-50.00%

One-way Ticket (Public Transport)

$3.05 $3.05

Public Transport Monthly Pass (Regular Price)

$66.0 $66.0

$106 $106

-37.71%

Taxi Start (Normal Tariff)

$2.44 $2.44

$2.58 $2.58

-5.43%

Taxi (Normal Tariff) (1km)

$1.87 $1.87

$1.64 $1.64

14.02%

Taxi 1hour Waiting (Normal Tariff)

$29.55 $29.55

$30.12 $30.12

-1.89%

Gasoline (1 liter)

$1.51 $1.51

$1.41 $1.41

7.09%

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

$27.6K $27.6K

$36.8K $36.8K

-24.92%

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

$26.5K $26.5K

$26.6K $26.6K

-0.29%

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

$181 $181

$308 $308

-41.21%

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

$49.27 $49.27

$69.2 $69.2

-28.77%

Internet (50+ Mbps, Unlimited Data)

$76.7 $76.7

$86.1 $86.1

-10.82%

Gym Membership (Monthly)

$76.5 $76.5

Tennis Court (1 Hour on Weekend)

$35.50 $35.50

Cinema Ticket

$15.26 $15.26

$18.02 $18.02

-15.32%

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

$2,566 $2,566

$2,746 $2,746

-6.54%

International Primary School, 1 Child (Yearly)

$35.6K $35.6K

$30.6K $30.6K

16.48%

Jeans (Levis 501 Or Similar)

$71.2 $71.2

$79.2 $79.2

-9.99%

Summer Dress (H&M, Zara, etc)

$69.9 $69.9

$54.3 $54.3

28.72%

Sport Shoes (Adidas, Nike)

$94.5 $94.5

$127 $127

-25.49%

Men's Leather Business Shoes

$236 $236

$159 $159

48.53%

1-bedroom Apartment, City Center (Monthly)

$1,818 $1,818

$2,508 $2,508

-27.50%

1-bedroom Apartment, Outside City Center (Monthly)

$986 $986

$1,938 $1,938

-49.15%

3-bedroom Apartment, City Center (Monthly)

$5,117 $5,117

3-bedroom Apartment, Outside City Center (Monthly)

$3,542 $3,542

Buy Apartment in City Center (m2)

$3,718 $3,718

$7,374 $7,374

-49.58%

Buy Apartment Outside City Center (m2)

$5,002 $5,002

Average Monthly Net Salary (After Tax)

$5,588 $5,588

$6,470 $6,470

-13.63%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.62

6.89

-3.92%

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

Last update for Tracy, CA: October 24, 2026

Last update for Seattle, WA: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Tracy, CA

$986 42.4%

Seattle, WA

$1.9K 51.2% 96.7% $953

Groceries & Markets

Tracy, CA

$406 17.4%

Seattle, WA

$547 14.5% 34.8% $141

Eating Out

Tracy, CA

$308 13.2%

Seattle, WA

$406 10.7% 32.1% $99

Monthly Utilities & Internet

Tracy, CA

$307 13.2%

Seattle, WA

$463 12.2% 50.8% $156

Clothing & Footwear

Tracy, CA

$212 9.1%

Seattle, WA

$189 5% 11.1% $24

Getting Around

Tracy, CA

$78 * 3.3%

Seattle, WA

$129 3.4% 65.8% $51

Sport & Entertainment

Tracy, CA

$31 * 1.3%

Seattle, WA

$112 3% 269% $82

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 $1,818 in Tracy, CA and $2,508 in Seattle, WA. Housing cost is often the main lever when comparing two cities.

Seattle, WA pays 16% 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 in Tracy, CA vs $101 in Seattle, WA for a mid-range dinner for two. Groceries echo the gap at $406 vs $547 per month, with Tracy, CA cheaper across the board.

Good to know

🇺🇸 Tracy, CA

🇺🇸 Seattle, WA

🕒 Local time

11:28 11:28 AM

Same time as Tracy, CA

🌤 Weather

👥 Population

98,337

737,015

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.896 EUR

Exchange rates and currency converter

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Between locations

Tracy, CA Seattle, WA 1,100 km ≈ 1 h 45 min nonstop flight

From you

Tracy, CA
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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 Seattle, WA: Cost of Living - Frequently Asked Questions

Tracy, CA is about 39% cheaper overall, especially in groceries, eating out, and leisure. That difference adds up to real monthly savings that compound significantly over time.

On paper, salaries run 14% lower in Tracy, CA. 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: $1,818 in Tracy, CA versus $2,508 in Seattle, WA. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Tracy, CA – a meal for two runs $51 versus $101 in Seattle, WA. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you’ll spend $2,326 per month in Tracy, CA versus $3,785 in Seattle, WA – Tracy, CA is about 39% cheaper, which adds up to real savings over time.

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 39% less than in Seattle, WA. Beyond cost, consider language, visa policies, and how big the international community is in each city.