Cost of Living in Tracy, CA - Updated Prices & Insights

Solo nomad: Estimated monthly costs are $1,078 (excluding rent), and $2,778 including rent.

Family of 3: Estimated monthly costs are $2,975 (excluding rent), and $5,113 including rent.

Meal at Budget Restaurant

$20.07 $20.07

$14.05 $14.05

$50.2 $50.2

Three-Course Dinner for Two, Mid-Range

$49.14 $49.14

$197 $197

Fast Food Meal (McDonalds, etc)

$9.82 $9.82

$12.76 $12.76

Cappuccino

$4.52 $4.52

$4.09 $4.09

$8.19 $8.19

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

$3.05 $3.05

$2.01 $2.01

$5.04 $5.04

Water (0.33 liter bottle)

$1.84 $1.84

$1.01 $1.01

$4.04 $4.04

Local Beer (0.5 liter draught)

$6.86 $6.86

$5.88 $5.88

$9.80 $9.80

Imported Beer (0.33 liter bottle)

$8.92 $8.92

$7.93 $7.93

$14.87 $14.87

Milk (1 liter)

$1.30 $1.30

$1.04 $1.04

$2.07 $2.07

White Bread (500g)

$4.28 $4.28

$2.79 $2.79

$6.68 $6.68

Rice (white) (1kg)

$3.27 $3.27

$2.22 $2.22

$6.42 $6.42

Eggs

$3.37 $3.37

$2.93 $2.93

$8.81 $8.81

Local Cheese (1kg)

$15.85 $15.85

$12.97 $12.97

$32.41 $32.41

Chicken Fillets (1kg)

$11.14 $11.14

$11.12 $11.12

$31.20 $31.20

Beef Round Steak (1kg)

$15.53 $15.53

$15.51 $15.51

$44.39 $44.39

Apples (1kg)

$4.54 $4.54

$3.37 $3.37

$9.07 $9.07

Banana (1kg)

$2.26 $2.26

$1.52 $1.52

$6.80 $6.80

Oranges (1kg)

$4.34 $4.34

$3.22 $3.22

$8.67 $8.67

Tomato (1kg)

$4.52 $4.52

$11.26 $11.26

Potato (1kg)

$2.16 $2.16

$1.43 $1.43

$4.33 $4.33

Onion (1kg)

$3.33 $3.33

$1.97 $1.97

$11.09 $11.09

Lettuce (1 head)

$1.99 $1.99

$3.96 $3.96

Water (1.5 liter bottle)

$2.06 $2.06

$0.77 $0.77

$3.59 $3.59

Cigarettes 20 Pack (Marlboro, Camel)

$11.31 $11.31

$10.05 $10.05

$13.07 $13.07

Wine (Bottle)

$8.74 $8.74

$25.24 $25.24

Local Beer (0.5 liter bottle)

$2.26 $2.26

$1.70 $1.70

$2.94 $2.94

Imported Beer (0.33 liter bottle)

$3.47 $3.47

$1.72 $1.72

$6.16 $6.16

One-way Ticket (Public Transport)

$2.04 $2.04

$1.27 $1.27

$2.04 $2.04

Public Transport Monthly Pass (Regular Price)

$64.7 $64.7

Taxi Start (Normal Tariff)

$3.44 $3.44

$2.94 $2.94

$4.91 $4.91

Taxi (Normal Tariff) (1km)

$1.82 $1.82

$1.52 $1.52

$1.82 $1.82

Taxi 1hour Waiting (Normal Tariff)

$30.22 $30.22

$65.5 $65.5

Gasoline (1 liter)

$1.28 $1.28

$1.17 $1.17

$1.44 $1.44

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

$29.6K $29.6K

$36.2K $36.2K

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

$27.2K $27.2K

$26.0K $26.0K

$27.3K $27.3K

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

$291 $291

$190 $190

$449 $449

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

$48.76 $48.76

$25.16 $25.16

$80.5 $80.5

Internet (50+ Mbps, Unlimited Data)

$68.9 $68.9

$50.6 $50.6

$152 $152

Gym Membership (Monthly)

$42.93 $42.93

$17.47 $17.47

$49.92 $49.92

Cinema Ticket

$15.39 $15.39

$14.89 $14.89

$21.84 $21.84

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

$1,999 $1,999

$1,524 $1,524

$2,541 $2,541

International Primary School, 1 Child (Yearly)

$25.9K $25.9K

$17.9K $17.9K

$39.8K $39.8K

Jeans (Levis 501 Or Similar)

$52.4 $52.4

$29.60 $29.60

$96.7 $96.7

Summer Dress (H&M, Zara, etc)

$44.50 $44.50

$25.18 $25.18

$70.5 $70.5

Sport Shoes (Adidas, Nike)

$86.8 $86.8

$49.30 $49.30

$133 $133

Men's Leather Business Shoes

$137 $137

$79.8 $79.8

$200 $200

1-bedroom Apartment, City Center (Monthly)

$1,613 $1,613

$1,208 $1,208

$1,869 $1,869

1-bedroom Apartment, Outside City Center (Monthly)

$1,327 $1,327

$980 $980

$1,471 $1,471

3-bedroom Apartment, City Center (Monthly)

$2,655 $2,655

$2,019 $2,019

$3,028 $3,028

3-bedroom Apartment, Outside City Center (Monthly)

$2,220 $2,220

$1,698 $1,698

$2,497 $2,497

Buy Apartment in City Center (m2)

$3,756 $3,756

Average Monthly Net Salary (After Tax)

$5,694 $5,694

20-Year Fixed Mortgage Interest Rate (Annual %)

6.51

6.19

6.8

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

Last update: January 11, 2026

Tracy, CA Median Internet Speeds (Updated December 2025)

Mobile

Mbps

Fixed Broadband

367

Mbps

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

Digital Nomad Cost of Living Index

City tags:

🌎 North america

Cost of Living in Tracy, CA - Frequently Asked Questions

Tracy sits between peak Bay Area centers and inland towns, offering a more approachable balance for many travelers, expats, and digital nomads. The Cost of Living in Tracy, CA, United States tends to be friendlier for those prioritizing space, schools, and local outdoor access, while keeping a reasonable drive to major job hubs. You'll find newer neighborhoods with parks, family amenities, and a mix of rentals and homes suitable for longer stays, plus a variety of groceries and casual dining. The value tends to show up when you scope multiple neighborhoods and keep a flexible plan for housing and commute. Tip: test a few neighborhoods during different days to gauge daily life.

Daily life in Tracy centers on family-friendly neighborhoods, practical shopping, and a steady pace. Housing search tends to highlight well-kept suburbs with parks, good schools nearby, and choices from newer builds to established rentals. Food options span neighborhood markets, chain grocers, and casual dining, plus weekend farmers markets. For transport, many rely on a car, with easy access to major highways; you'll also find modest coworking spaces and remote-friendly cafes within a reasonable radius. If you compare groceries and services, you'll notice differences by neighborhood; Tracy, CA, United States living cost tends to reflect housing choices and commute needs, not tourist crowds. Tip: map your essential errands and test transit times at peak hours.

For quality of life, adopt a simple budgeting framework: cover essential housing and utilities first, then groceries and transport, and reserve a category for experiences and gear for outdoor time. Seasonality in Tracy means hot summers and cooler evenings, so plan for cooling costs and lighter wardrobes. Neighborhood fit depends on vibe: quiet suburban blocks with family amenities suit long stays; a walkable center offers cafes and services for quicker errands; nearby parks and trails add outdoor balance. When exploring, test commuting times to your work or project sites across different days, and use short, repeat visits to assess noise, shade, and community feel. Tip: mark a few target areas and compare them over a weekend.