Median Income
$38,250
49% lower than US avg
Home Value
$116,000
59% lower than US avg
Bachelor's+
14.3%
58% lower than US avg
Median Rent
$393
66% lower than US avg
Obesity Rate
38.6%
20% higher than US avg
Unemployment
2.8%
22% lower than US avg
Poverty Rate
7.3%
41% lower than US avg
How Tracy City Compares to the U.S. Average (100% = U.S. avg)
People
Population1,924
Median Age35.7 yrs
Density413/mi²
Male / Female52% / 48%
Largest GroupWhite 95%
Veterans4.2%
Economy
B+
Median Income$38,250
Per Capita$23,632
Unemployment2.8%
Poverty7.3%
County GDP$344M
Commute45 min
Housing
A+
Home Value$116,000
Rent$393
Ownership59.6%
Zillow$187,331
Housing Units731
Rent Burden31.7%
Health
Obesity38.6%
Uninsured8.6%
Smoking22.8%
Depression32.5%
Heart Disease6.7%
Climate
Avg Temp56°F (13°C)
Rain67.0 in/yr
Elevation1,842 ft (561 m)
Education
C
Bachelor's+14.3%
High School+74.5%
Graduate+8.4%
School Score4.25
Community
2024 VoteR 84% / D 15%
Commute45 min
Broadband78.4%
EV Stations1
Libraries5
Is Tracy City a Good Place to Live?
Based on current data, Tracy City receives an overall livability score of 3.5 out of 5.0, earning a grade of B+. Key strengths include low unemployment, affordable housing, a low poverty rate. Areas to be aware of include below-average incomes, long commute times, high obesity rates. Tracy City offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Tracy City is $38,250, 49% below the national average of $75,149. The job market is very strong with unemployment at just 2.8%. Only 7.3% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 45 minutes, longer than the typical American commute of 28 minutes.
Cost of Living & Housing
The median home value in Tracy City is $116,000, 59% below the national median / offering relatively affordable homeownership. Renters pay a median of $393 per month, below the national average / a plus for affordability. At just 3x median income, home prices are very affordable relative to local earnings.
Education
14.3% of residents hold a bachelor's degree, below the national average of 33.7%. 74.5% have completed high school. Area schools have an average test score of 4.2/10.
Climate & Weather
Tracy City enjoys a moderate climate with an average annual temperature of 56°F. Winters average 35°F in January while summers reach 74°F in July. Annual precipitation totals 67.0 inches, including 5.4 inches of snow.
Tracy City has a population of 1,924 with a density of 413 people per square mile, spread across 4.9 square miles. The median age is 35.7 years, 8% younger than the national median of 38.9. The gender split is 47.9% female and 52.1% male. The city is predominantly White (94.8%), with 2.4% Hispanic. English is the primary language spoken at home by 99% of residents. 4.2% of the population are veterans, below the national rate of 6.0%. 32.3% of residents have a disability (above the 13.0% national average). 91.4% have health insurance coverage.
Population
1,924
Total Population
2023 Census
35.7yrs
Median Age
8% below US avg
Race & Ethnicity
Tracy City vs U.S. Average
Language Spoken at Home
English Only
99.0%
26% above US avg
Spanish
0.9%
93% below US avg
Social Characteristics
Tracy City vs U.S. Average
The median household income in Tracy City is $38,250, which is 49% below the national average of $75,149. Per capita income is $23,632 (below the $39,052 national figure). The average weekly wage is $758, 47% lower than the U.S. average. The unemployment rate is 2.8% (below the 3.6% US average). 7.3% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 246 business establishments, including 11 restaurants. The cost of living index is 91.9, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 45 minutes (longer than the 28-minute US average). 5.8% of workers work from home (below the 15.2% national rate).
Income: Tracy City vs U.S.
Income
| Median HH Income | $38,250 |
| 49% below US avg |
| Per Capita Income | $23,632 |
| Avg Weekly Wage | $758 |
| IRS Avg AGI | $53,656 |
| Gini Index | 0.459 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 2.8% |
| 22% below US avg |
| Poverty Rate | 7.3% |
| 41% below US avg |
| Establishments (County) | 246 |
| County GDP | $344M |
Business (County)
| Restaurants | 11 |
| Healthcare | 17 |
| Retail | 38 |
| Manufacturing | 13 |
Tax & Cost of Living
| Property Tax (IRS) | $2,522 |
| 28% below US avg |
| Cost of Living | 91.90 (100=avg) |
| Effective Tax Rate | 2.17% |
Commute & Transportation
| Commute Time | 44.6 min |
| Drive Alone | 80.1% |
| Public Transit | 0.0% |
| Work from Home | 5.8% |
The median home value in Tracy City is $116,000, 59% below the national median of $281,900. Zillow estimates the typical home value at $187,331, higher than the Census estimate. Monthly rent averages $393 (66% below the national average of $1,163). Fair market rent ranges from $924 for a one-bedroom to $1,118 for a two-bedroom apartment. 59.6% of housing units are owner-occupied. There are 731 total housing units in the city. The median year a home was built is 1978. The average annual property tax is $2,522 (lower than the $3,500 national average). 31.7% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 3x, well within the affordable range.
Home Values
| Census Median | $116,000 |
| 59% below US avg |
| Zillow ZHVI | $187,331 |
Rental Costs
| Census Median Rent | $393 |
| 66% below US avg |
| Rent Burden | 31.7% |
HUD Fair Market Rent
| Studio | $882 |
| 1 Bedroom | $924 |
| 2 Bedrooms | $1,118 |
| 3 Bedrooms | $1,445 |
| 4 Bedrooms | $1,644 |
Ownership & Property
| Homeownership | 59.6% |
| Owner-Occupied | 59.6% |
| Renter-Occupied | 40.4% |
| Housing Units | 731 |
| Median Year Built | 1978 |
Property Tax
| Avg Tax (IRS) | $2,522 |
| 28% below US avg |
| Effective Rate | 2.17% |
In Tracy City, 38.6% of adults are obese, above the national rate of 32.1%. 12.0% have diabetes. Heart disease affects 6.7% of residents, above the national average. 36.7% have high blood pressure. 22.8% are current smokers (above the 14.0% national rate). 16.0% report binge drinking. 28.8% are physically inactive. 32.5% report depression (above the 20.0% national average). 22.9% experience frequent mental distress. 8.6% of residents lack health insurance. 37.7% of residents have access to exercise opportunities. The food environment index is 7.0 out of 10.
Health Metrics: Tracy City vs U.S. Average (%)
Chronic Conditions
| Obesity | 38.6% |
| 20% above US avg |
| Diabetes | 12.0% |
| Heart Disease | 6.7% |
| High Blood Pressure | 36.7% |
| Asthma | 11.8% |
| COPD | 9.7% |
| Cancer | 7.3% |
| Stroke | 3.5% |
Behaviors & Mental Health
| Smoking | 22.8% |
| 63% above US avg |
| Binge Drinking | 16.0% |
| Physical Inactivity | 28.8% |
| Depression | 32.5% |
| Mental Distress | 22.9% |
| Physical Distress | 16.6% |
| Short Sleep | 38.3% |
Healthcare Access
| Insurance Rate | 91.4% |
| Uninsured | 8.6% |
| 0% below US avg |
| Mental Health | 1:1,744 |
| Checkup Rate | 74.8% |
| Dental Visits | 54.7% |
| Premature Death | 16,198/100K |
Food & Exercise
| Food Environment | 7.0/10 |
| Exercise Access | 37.7% |
| Healthcare Facilities | 17 |
Tracy City enjoys a temperate climate with an average annual temperature of 56°F (13°C). Winters average 35°F in January while summers reach 74°F in July. Annual precipitation totals 67.0 inches (wetter than the 38-inch national average). The area receives 5.4 inches of snow annually. The city sits at an elevation of 1,842 feet.
Temperature
35°F Jan (2°C)
74°F Jul (23°C)
| Annual Average | 55.9°F |
| 4% above US avg |
| January Average | 35°F (2°C) |
| July Average | 74°F (23°C) |
Geography
| Elevation | 1,842 ft (561 m) |
| Area | 4.9 sq mi (12.7 km²) |
| Population Density | 413/sq mi |
| Coordinates | 35.2630°N, 85.7557°W |
| Timezone | America/Chicago |
| County | Grundy County County |
| Nearest Airport | Tullahoma Regional/Wm Northern Field (THA) 29 miles away |
Precipitation & Snow
Annual Rainfall
67.0"
76% above US avg
Wettest Month (Dec)
6.82"
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 34.3 / 100 |
| Social Vulnerability | 98.4 / 100 |
| Community Resilience | 18.4 / 100 |
Hazard Breakdown
| Tornado |
Relatively Moderate |
| Hurricane |
Very Low |
| Earthquake |
Relatively Low |
| Wildfire |
Very Low |
| Flood |
Very Low |
| Hail |
Very Low |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively Low |
| Lightning |
Relatively Low |
| Ice Storm |
Relatively Low |
| Drought |
Relatively Low |
| Cold Wave |
Relatively Moderate |
| Landslide |
Relatively Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
131 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M4.6. Most recent: M2.6 on Feb 25, 2025.
| Apr 29, 2003 |
8 km S of Valley Head, Alabama |
M4.6 |
86 km |
| Dec 8, 2001 |
5 km SW of Pleasant Groves, Alabama |
M3.9 |
75 km |
| Jul 5, 1995 |
12 km ESE of Tellico Plains, Tennessee |
M3.7 |
145 km |
| Jun 17, 1998 |
9 km SSE of Coalfield, Tennessee |
M3.6 |
145 km |
| Jul 19, 1997 |
12 km E of Cohutta, Georgia |
M3.5 |
93 km |
| Jun 19, 2007 |
10 km ENE of Spencer, Tennessee |
M3.5 |
69 km |
| Apr 11, 2006 |
5 km NE of Etowah, Tennessee |
M3.3 |
116 km |
| Mar 18, 1995 |
10 km SE of Dayton, Tennessee |
M3.3 |
76 km |
| Aug 1, 2009 |
8 km ENE of Ducktown, Tennessee |
M3.2 |
135 km |
| May 10, 2006 |
3 km WNW of Madisonville, Tennessee |
M3.2 |
127 km |
| Mar 7, 2001 |
5 km WNW of Decatur, Tennessee |
M3.2 |
88 km |
| Mar 7, 2001 |
6 km NW of Decatur, Tennessee |
M3.2 |
88 km |
| Apr 5, 1994 |
10 km N of Trenton, Georgia |
M3.2 |
41 km |
| May 6, 2010 |
11 km ENE of Whitesboro, Alabama |
M3.2 |
121 km |
| Mar 21, 2001 |
7 km ESE of Trenton, Georgia |
M3.2 |
55 km |
| May 10, 2020 |
7 km SSE of Sewanee, Tennessee |
M3.1 |
18 km |
| Oct 30, 1991 |
9 km NNE of Eton, Georgia |
M3.1 |
103 km |
| Apr 29, 2003 |
7 km E of Fort Payne, Alabama |
M3.1 |
92 km |
| May 2, 2003 |
8 km S of Valley Head, Alabama |
M3.1 |
87 km |
| Jan 15, 1993 |
1 km N of Apison, Tennessee |
M3.1 |
71 km |
Source: USGS (M2.5+, 1990-2025)
Tornado History
505 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF5. Total: 149 fatalities, 1,819 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Apr 27, 2011 |
EF5 |
99 km |
25 |
| Apr 27, 2011 |
EF4 |
32 km |
4 |
| Apr 27, 2011 |
EF4 |
68 km |
20 |
| Apr 27, 2011 |
EF4 |
54 km |
1 |
| Apr 27, 2011 |
EF4 |
74 km |
14 |
| Feb 6, 2008 |
EF4 |
66 km |
1 |
| Jan 24, 1997 |
EF4 |
89 km |
0 |
| Apr 3, 1974 |
EF4 |
87 km |
10 |
| Apr 3, 1974 |
EF4 |
74 km |
11 |
| May 19, 1973 |
EF4 |
88 km |
0 |
| May 2, 1953 |
EF4 |
93 km |
4 |
| Feb 29, 1952 |
EF4 |
76 km |
2 |
| Feb 13, 1952 |
EF4 |
50 km |
3 |
| May 8, 2024 |
EF3 |
70 km |
0 |
| Apr 1, 2023 |
EF3 |
81 km |
1 |
| Apr 12, 2020 |
EF3 |
58 km |
2 |
| Nov 30, 2016 |
EF3 |
95 km |
2 |
| Nov 30, 2016 |
EF3 |
64 km |
4 |
| Apr 28, 2014 |
EF3 |
78 km |
2 |
| Mar 2, 2012 |
EF3 |
56 km |
0 |
Source: NOAA SPC (EF0+, 1950-2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: UNNAMED (4,213 ac, 2001).
| Year |
Name |
Acres |
Distance |
| 2001 |
UNNAMED |
4,213 |
25 km |
| 1987 |
STATEC0045 |
2,669 |
90 km |
| 1999 |
UNNAMED |
2,638 |
32 km |
| 2006 |
UNNAMED |
2,405 |
92 km |
| 2007 |
WILDCAT BRANCH WFIRE |
2,285 |
96 km |
| 2018 |
RUFF CREEK |
2,281 |
91 km |
| 2021 |
UNNAMED |
2,199 |
95 km |
| 2016 |
UNNAMED |
1,866 |
96 km |
| 2016 |
BRIDGE CREEK ROAD |
1,777 |
18 km |
| 2014 |
SOUTH EAST COMPLEX |
1,753 |
96 km |
| 2016 |
BENCH BLUFF |
1,715 |
59 km |
| 2001 |
UNNAMED |
1,691 |
13 km |
| 2015 |
UNNAMED |
1,669 |
93 km |
| 2003 |
UNNAMED |
1,635 |
83 km |
| 2008 |
UNNAMED |
1,530 |
92 km |
| 2001 |
UNNAMED |
1,491 |
74 km |
| 2019 |
UNNAMED |
1,396 |
94 km |
| 2006 |
RD07-09 |
1,394 |
93 km |
| 2014 |
UNNAMED |
1,347 |
100 km |
| 2021 |
UNNAMED |
1,331 |
100 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
35°F (2°C) |
5.7 in |
Coldest |
| February |
39°F (4°C) |
5.8 in |
|
| March |
47°F (8°C) |
6.3 in |
|
| April |
56°F (13°C) |
6.3 in |
|
| May |
64°F (18°C) |
5.3 in |
|
| June |
71°F (22°C) |
5.8 in |
|
| July |
74°F (23°C) |
6.4 in |
Warmest |
| August |
73°F (23°C) |
4.8 in |
|
| September |
68°F (20°C) |
4.6 in |
|
| October |
57°F (14°C) |
4.1 in |
Driest |
| November |
47°F (8°C) |
5.2 in |
|
| December |
39°F (4°C) |
6.8 in |
Wettest |
Tracy City has a seasonal temperature swing of 39°F / from 35°F in January to 74°F in July. Total annual precipitation is 67.0 inches, with December being the wettest month (6.8") and October the driest (4.1").
Average costs for common services in Tracy City. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$230 ($138-$368) |
| Specialist Visit |
$322 ($184-$505) |
| Urgent Care Visit |
$184 ($92-$322) |
| Emergency Room Visit |
$2,022 ($735-$4,595) |
| Dental Cleaning |
$119 ($69-$184) |
| Dental Filling |
$230 ($138-$368) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$41 ($23-$69) |
| Oil Change (Synthetic) |
$69 ($46-$110) |
| Brake Pad Replacement |
$276 ($138-$460) |
| Tire Rotation |
$37 ($18-$69) |
| New Tires (Set of 4) |
$551 ($368-$919) |
| Battery Replacement |
$184 ($92-$322) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$92 ($55-$138) |
| Electrician (Per Hour) |
$83 ($46-$129) |
| HVAC Repair |
$368 ($138-$735) |
| HVAC System Install |
$6,433 ($3,676-$11,028) |
| Roof Repair |
$919 ($368-$1,838) |
| Roof Replacement |
$8,271 ($5,055-$13,785) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,379 ($460-$3,217) |
| Divorce (Contested) |
$13,785 ($4,595-$27,570) |
| DUI Defense |
$4,595 ($1,838-$9,190) |
| Bankruptcy (Chapter 7) |
$1,379 ($735-$2,757) |
| Will Preparation |
$460 ($184-$919) |
| Trust Preparation |
$2,298 ($919-$4,595) |
View all 12 services
Personal Care
| Men's Haircut |
$23 ($14-$41) |
| Women's Haircut |
$51 ($28-$92) |
| Hair Coloring (Full) |
$138 ($69-$230) |
| Manicure |
$23 ($14-$41) |
| Pedicure |
$37 ($23-$60) |
| Massage (1 Hour) |
$74 ($46-$119) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.77 ($2.76-$5.05) |
| Dozen Eggs (per dozen) |
$3.22 ($2.30-$4.60) |
| Loaf of Bread |
$3.49 ($2.30-$5.05) |
| Chicken Breast (per lb) |
$4.14 ($2.76-$5.97) |
| Ground Beef (per lb) |
$5.05 ($3.68-$6.89) |
| Rice (per lb) |
$0.92 ($0.55-$1.65) |
View all 20 services
Utilities
| Electricity (Monthly) |
$129 ($74-$230) |
| Natural Gas (Monthly) |
$64 ($28-$138) |
| Water/Sewer (Monthly) |
$64 ($37-$110) |
| Internet (Monthly) |
$64 ($37-$92) |
| Cell Phone Plan (Monthly) |
$60 ($28-$92) |
| Cable TV (Monthly) |
$78 ($46-$138) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$184 ($69-$460) |
| Car Insurance (Annual) |
$1,838 ($1,103-$3,217) |
| Bus Pass (Monthly) |
$64 ($28-$119) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.35-$23) |
| Car Registration (Annual) |
$92 ($28-$230) |
| Driver's License Renewal |
$28 ($14-$69) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,103 ($551-$2,298) |
| Daycare (Toddler, Monthly) |
$919 ($460-$1,838) |
| After-School Care (Monthly) |
$368 ($184-$643) |
| Tutoring (Per Hour) |
$46 ($23-$92) |
| SAT/ACT Prep Course |
$919 ($368-$2,298) |
| Private School (K-12, Annual) |
$11,488 ($4,595-$27,570) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$55 ($28-$92) |
| Dog Vaccination (Annual) |
$92 ($46-$184) |
| Dog Grooming |
$55 ($28-$92) |
| Pet Boarding (Per Night) |
$37 ($18-$69) |
| Dog Spay/Neuter |
$276 ($138-$460) |
| Cat Spay/Neuter |
$184 ($92-$368) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $567 |
| Toddler | $476 |
| Preschool | $476 |
| Family Childcare (monthly) |
| Infant | $393 |
| Toddler | $422 |
| Preschool | $422 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Tracy City
What is the population of Tracy City?
Tracy City has a population of 1,924 residents and is located in Tennessee. The population density is 413 people per square mile, spread across 4.9 square miles. The median age of residents is 35.7 years, which is younger than the national median of 38.9 years. The population is 47.9% female and 52.1% male.
Is Tracy City expensive to live in?
Tracy City is more affordable than the national average, with a cost of living index of 91.9 / below the baseline of 100. The median household income is $38,250, 49% below the national average of $75,149. The median home value is $116,000 (59% below the U.S. median). Renters pay a median of $393 per month, below the national average of $1,163. The home price-to-income ratio is 3x, indicating housing is reasonably affordable relative to local income levels.
What is the weather like in Tracy City?
Tracy City enjoys a temperate climate with an average annual temperature of 56°F (13°C). Winter temperatures average 35°F in January, while summers reach an average of 74°F in July. Annual rainfall totals 67.0 inches, with 5.4 inches of snow.
How is the job market in Tracy City?
The job market in Tracy City is very strong, with unemployment at just 2.8% / well below the national rate of 3.6%. The average weekly wage is $758. There are 246 business establishments in the area, including 11 restaurants and food service locations. The average commute time is 45 minutes, and 5.8% of workers work from home.
How much does housing cost in Tracy City?
The median home value in Tracy City is $116,000. Zillow estimates the typical home value at $187,331. For renters, the median monthly rent is $393. Fair market rent is $924 for a 1-bedroom and $1,118 for a 2-bedroom apartment. The homeownership rate is 59.6%. The average annual property tax is $2,522.
How are the schools in Tracy City?
Schools in Tracy City have an average test score of 4.2 out of 10, below typical national benchmarks. Families may want to research individual school ratings. 14.3% of adults in Tracy City hold a bachelor's degree or higher, below the national average of 33.7%. 74.5% have completed high school. 8.4% hold a graduate or professional degree.
How healthy is Tracy City?
The obesity rate in Tracy City is 38.6% (above the national rate of 32.1%). 22.8% of adults are smokers. 28.8% are physically inactive. 32.5% of residents report depression. 8.6% lack health insurance. 37.7% of residents have access to exercise opportunities.
What is transportation like in Tracy City?
The average commute in Tracy City is 45 minutes, longer than the national average of 28 minutes. 80.1% of workers drive alone to work, and 5.8% work from home.
What are the demographics of Tracy City?
The racial and ethnic makeup of Tracy City is 94.8% White, 2.4% Hispanic or Latino. 99% of residents speak only English at home. 4.2% of the population are military veterans. 32.3% of residents have a disability. 91.4% have health insurance coverage.