Median Income
$60,682
19% lower than US avg
Home Value
$110,900
61% lower than US avg
Violent Crime
96/100K
75% lower than US avg
Bachelor's+
16.3%
52% lower than US avg
Median Rent
$536
54% lower than US avg
Obesity Rate
38.6%
20% higher than US avg
Unemployment
1.3%
64% lower than US avg
Poverty Rate
7.6%
39% lower than US avg
How Tracy Compares to the U.S. Average (100% = U.S. avg)
People
Population1,869
Median Age44.1 yrs
Density779/mi²
Male / Female47% / 53%
Largest GroupWhite 81%
Veterans8.8%
Economy
A
Median Income$60,682
Per Capita$30,949
Unemployment1.3%
Poverty7.6%
County GDP$2,100M
Commute20 min
Housing
A+
Home Value$110,900
Rent$536
Ownership78.8%
Zillow$132,903
Housing Units898
Rent Burden19.1%
Crime
F
Violent96/100K
Property1,433/100K
Murder0.0/100K
Assault96/100K
Burglary478/100K
Health
Obesity38.6%
Uninsured9.7%
Smoking17.6%
Depression24.1%
Heart Disease5.7%
Climate
Avg Temp45°F (7°C)
AQI36 (Good)
Rain29.2 in/yr
Sunny Days276/yr
Elevation1,378 ft (420 m)
Education
C
Bachelor's+16.3%
High School+91.6%
Graduate+2.8%
School Score6.19
Community
2024 VoteR 65% / D 33%
Commute20 min
Broadband81.2%
EV Stations3
Libraries5
Is Tracy a Good Place to Live?
Based on current data, Tracy receives an overall livability score of 3.1 out of 5.0, earning a grade of B. Key strengths include low unemployment, low crime rates, affordable housing, abundant sunshine. Areas to be aware of include high obesity rates. Tracy offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Tracy is $60,682, 19% below the national average of $75,149. The job market is very strong with unemployment at just 1.3%. Only 7.6% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 20 minutes.
Cost of Living & Housing
The median home value in Tracy is $110,900, 61% below the national median / offering relatively affordable homeownership. Renters pay a median of $536 per month, below the national average / a plus for affordability. At just 1.8x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Tracy is a very safe community with a violent crime rate of 96 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 1,433 per 100,000, 27% below the national average.
Education
16.3% of residents hold a bachelor's degree, below the national average of 33.7%. 91.6% have completed high school. Local schools score 6.2/10 in standardized testing, reflecting strong academic performance.
Climate & Weather
Tracy has a cool climate with an average annual temperature of 45°F. Winters average 14°F in January while summers reach 72°F in July. With 276 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 29.2 inches, including 49.3 inches of snow. Air quality is rated Good with a median AQI of 36.
Tracy has a population of 1,869 with a density of 779 people per square mile, spread across 2.2 square miles. The median age is 44.1 years, 13% older than the national median of 38.9. The gender split is 53.1% female and 46.9% male. The city is predominantly White (80.7%), with 2% Hispanic. English is the primary language spoken at home by 87.7% of residents, while 12.3% speak Spanish. 8.8% of the population are veterans, above the national rate of 6.0%. 15.8% of residents have a disability (above the 13.0% national average). 91.9% have health insurance coverage.
Population
44.1yrs
Median Age
13% above US avg
Language Spoken at Home
English Only
87.7%
12% above US avg
Spanish
12.3%
8% below US avg
The median household income in Tracy is $60,682, which is 19% below the national average of $75,149. Per capita income is $30,949 (below the $39,052 national figure). The average weekly wage is $1,017, 29% lower than the U.S. average. The unemployment rate is 1.3% (below the 3.6% US average). 7.6% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 859 business establishments, including 65 restaurants. The cost of living index is 98.6, roughly in line with the national average. Workers commute an average of 20 minutes (shorter than the 28-minute US average). 2.6% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $60,682 |
| 19% below US avg |
| Per Capita Income | $30,949 |
| Avg Weekly Wage | $1,017 |
| IRS Avg AGI | $74,952 |
| Gini Index | 0.452 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 1.3% |
| 64% below US avg |
| Poverty Rate | 7.6% |
| 39% below US avg |
| Establishments (County) | 859 |
| County GDP | $2,100M |
Business (County)
| Restaurants | 65 |
| Healthcare | 130 |
| Retail | 119 |
| Manufacturing | 28 |
Tax & Cost of Living
| Property Tax (IRS) | $3,674 |
| 5% above US avg |
| Cost of Living | 98.60 (100=avg) |
| Effective Tax Rate | 3.31% |
Commute & Transportation
| Commute Time | 20.2 min |
| Drive Alone | 86.7% |
| Public Transit | 0.0% |
| Work from Home | 2.6% |
The median home value in Tracy is $110,900, 61% below the national median of $281,900. Zillow estimates the typical home value at $132,903, higher than the Census estimate. Homes sell for 103.6% of their list price, indicating a competitive market where bidding wars are common. Monthly rent averages $536 (54% below the national average of $1,163). Fair market rent ranges from $899 for a one-bedroom to $1,125 for a two-bedroom apartment. 78.8% of housing units are owner-occupied (above the 65.4% national rate). There are 898 total housing units in the city. The median year a home was built is 1961. The average annual property tax is $3,674. 19.1% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 1.8x, well within the affordable range.
Home Values
| Census Median | $110,900 |
| 61% below US avg |
| Zillow ZHVI | $132,903 |
| Median List Price | $117,500 |
Real Estate Market (Redfin)
| Median List Price | $117,500 |
| $/Sq Ft | $56 |
| Homes Sold | 2 |
| Sale-to-List Ratio | 103.6% |
| Price Drops | 0.0% |
| Inventory | 7 |
Rental Costs
| Census Median Rent | $536 |
| 54% below US avg |
| Rent Burden | 19.1% |
HUD Fair Market Rent
| Studio | $809 |
| 1 Bedroom | $899 |
| 2 Bedrooms | $1,125 |
| 3 Bedrooms | $1,483 |
| 4 Bedrooms | $1,698 |
Ownership & Property
| Homeownership | 78.8% |
| Owner-Occupied | 78.8% |
| Renter-Occupied | 21.2% |
| Housing Units | 898 |
| Median Year Built | 1961 |
Property Tax
| Avg Tax (IRS) | $3,674 |
| 5% above US avg |
| Effective Rate | 3.31% |
In Tracy, 38.6% of adults are obese, above the national rate of 32.1%. 10.3% have diabetes. Heart disease affects 5.7% of residents. 29.2% have high blood pressure. 17.6% are current smokers (above the 14.0% national rate). 19.1% report binge drinking. 27.3% are physically inactive. 24.1% report depression (above the 20.0% national average). 17.5% experience frequent mental distress. 9.7% of residents lack health insurance. The primary care physician ratio is 1:1,201. The dentist ratio is 1:1,804. 81.6% of residents have access to exercise opportunities. The food environment index is 7.7 out of 10.
Health Metrics: Tracy vs U.S. Average (%)
Chronic Conditions
| Obesity | 38.6% |
| 20% above US avg |
| Diabetes | 10.3% |
| Heart Disease | 5.7% |
| High Blood Pressure | 29.2% |
| Asthma | 10.3% |
| COPD | 6.1% |
| Cancer | 6.9% |
| Stroke | 3.1% |
Behaviors & Mental Health
| Smoking | 17.6% |
| 26% above US avg |
| Binge Drinking | 19.1% |
| Physical Inactivity | 27.3% |
| Depression | 24.1% |
| Mental Distress | 17.5% |
| Physical Distress | 12.6% |
| Short Sleep | 33.2% |
Healthcare Access
| Insurance Rate | 91.9% |
| Uninsured | 9.7% |
| 13% above US avg |
| Primary Care | 1:1,201 |
| Dentists | 1:1,804 |
| Mental Health | 1:410 |
| Checkup Rate | 72.4% |
| Dental Visits | 56.8% |
| Premature Death | 6,490/100K |
Food & Exercise
| Food Environment | 7.7/10 |
| Exercise Access | 81.6% |
| Healthcare Facilities | 130 |
Tracy has a violent crime rate of 96 per 100,000 residents, 75% below the national average of 380. This breaks down to aggravated assault at 95.5 per 100,000, robbery at 0.0, rape at 0.0. The murder rate is 0.0 per 100,000 (below the national rate of 6.3). Property crime stands at 1,433 per 100,000, 27% below the U.S. average. This includes larceny/theft at 907, burglary at 478, vehicle theft at 48 per 100,000 residents. The county recorded 3 fatal traffic crashes. Overall, Tracy receives a safety grade of F.
Crime Rates: Tracy vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 95.5/100K |
| 75% below US avg |
| Murder | 0.0/100K |
| 100% below US avg |
| Rape | 0.0/100K |
| Robbery | 0.0/100K |
| Assault | 95.5/100K |
Property Crime
| Total Property | 1,432.7/100K |
| 27% below US avg |
| Burglary | 477.6/100K |
| Theft | 907.4/100K |
| Vehicle Theft | 47.8/100K |
| Arson | 0.0/100K |
Traffic Safety
| Fatal Crashes (County/yr) | 3 |
| Traffic Accidents | 74 |
| Avg Accident Severity | 2.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Tracy has a cool climate with an average annual temperature of 45°F (7°C). Winters average 14°F in January while summers reach 72°F in July. The area gets 276 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 29.2 inches (drier than the 38-inch national average). The area receives 49.3 inches of snow annually, making winter weather a significant factor for residents. Air quality is rated Good with a median AQI of 36. The city sits at an elevation of 1,378 feet.
Temperature
14°F Jan (-10°C)
72°F Jul (22°C)
| Annual Average | 44.6°F |
| 17% below US avg |
| January Average | 14°F (-10°C) |
| July Average | 72°F (22°C) |
| Sunny Days | 276 days/yr |
Geography
| Elevation | 1,378 ft (420 m) |
| Area | 2.2 sq mi (5.8 km²) |
| Population Density | 779/sq mi |
| Coordinates | 44.2404°N, 95.6209°W |
| Timezone | America/Chicago |
| County | Lyon County County |
| Nearest Airport | Southwest Minnesota Regional Marshall/Ryan Field (MML)
18 miles away |
Precipitation & Snow
Annual Rainfall
29.2"
23% below US avg
Wettest Month (Jun)
3.62"
Air Quality
| AQI Median | 36.0 |
| Rating | Good |
Air Pollutants (EPA 2023)
| Ozone (O₃) | 0.0468 ppm |
| PM2.5 (Fine Particles) | 8.7 μg/m³ |
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 43.5 / 100 |
| Social Vulnerability | 10.6 / 100 |
| Community Resilience | 77.7 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Low |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively High |
| Lightning |
Very Low |
| Ice Storm |
Relatively Low |
| Drought |
Relatively Moderate |
| Cold Wave |
Relatively Moderate |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
2 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.1. Most recent: M2.8 on Apr 25, 2017.
| Feb 9, 1994 |
6 km NNE of Blomkest, Minnesota |
M3.1 |
98 km |
| Apr 25, 2017 |
Near Mankato, Minnesota |
M2.8 |
129 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
410 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF5. Total: 15 fatalities, 317 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Jun 16, 1992 |
EF5 |
59 km |
1 |
| Jun 13, 1968 |
EF5 |
13 km |
9 |
| Jun 25, 2010 |
EF4 |
93 km |
0 |
| Jul 25, 2000 |
EF4 |
73 km |
1 |
| Mar 29, 1998 |
EF4 |
33 km |
1 |
| Jun 16, 1992 |
EF4 |
39 km |
0 |
| Jul 7, 1955 |
EF4 |
53 km |
1 |
| Jul 11, 2008 |
EF3 |
100 km |
0 |
| Aug 1, 2006 |
EF3 |
81 km |
0 |
| Aug 7, 1994 |
EF3 |
88 km |
0 |
| Jun 16, 1992 |
EF3 |
4 km |
0 |
| Jun 16, 1992 |
EF3 |
22 km |
0 |
| Jun 16, 1992 |
EF3 |
63 km |
0 |
| Jun 16, 1992 |
EF3 |
23 km |
0 |
| Jun 16, 1992 |
EF3 |
62 km |
0 |
| Apr 20, 1985 |
EF3 |
54 km |
0 |
| May 31, 1971 |
EF3 |
100 km |
0 |
| May 12, 2022 |
EF2 |
89 km |
0 |
| Jul 1, 2011 |
EF2 |
41 km |
0 |
| Jun 25, 2010 |
EF2 |
77 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
14°F (-10°C) |
0.6 in |
Coldest, Driest |
| February |
19°F (-7°C) |
0.7 in |
|
| March |
31°F (-1°C) |
1.7 in |
|
| April |
45°F (7°C) |
2.6 in |
|
| May |
59°F (15°C) |
3.2 in |
|
| June |
68°F (20°C) |
3.6 in |
Wettest |
| July |
72°F (22°C) |
3.6 in |
Warmest |
| August |
69°F (21°C) |
2.8 in |
|
| September |
61°F (16°C) |
3.0 in |
|
| October |
48°F (9°C) |
2.1 in |
|
| November |
32°F (-0°C) |
1.3 in |
|
| December |
18°F (-8°C) |
0.8 in |
|
Tracy has a seasonal temperature swing of 58°F / from 14°F in January to 72°F in July. Total annual precipitation is 26.0 inches, with June being the wettest month (3.6") and January the driest (0.6").
Average costs for common services in Tracy. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$247 ($148–$394) |
| Specialist Visit |
$345 ($197–$542) |
| Urgent Care Visit |
$197 ($99–$345) |
| Emergency Room Visit |
$2,169 ($789–$4,930) |
| Dental Cleaning |
$128 ($74–$197) |
| Dental Filling |
$247 ($148–$394) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$44 ($25–$74) |
| Oil Change (Synthetic) |
$74 ($49–$118) |
| Brake Pad Replacement |
$296 ($148–$493) |
| Tire Rotation |
$39 ($20–$74) |
| New Tires (Set of 4) |
$592 ($394–$986) |
| Battery Replacement |
$197 ($99–$345) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$99 ($59–$148) |
| Electrician (Per Hour) |
$89 ($49–$138) |
| HVAC Repair |
$394 ($148–$789) |
| HVAC System Install |
$6,902 ($3,944–$11,832) |
| Roof Repair |
$986 ($394–$1,972) |
| Roof Replacement |
$8,874 ($5,423–$14,790) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,479 ($493–$3,451) |
| Divorce (Contested) |
$14,790 ($4,930–$29,580) |
| DUI Defense |
$4,930 ($1,972–$9,860) |
| Bankruptcy (Chapter 7) |
$1,479 ($789–$2,958) |
| Will Preparation |
$493 ($197–$986) |
| Trust Preparation |
$2,465 ($986–$4,930) |
View all 12 services
Personal Care
| Men's Haircut |
$25 ($15–$44) |
| Women's Haircut |
$54 ($30–$99) |
| Hair Coloring (Full) |
$148 ($74–$247) |
| Manicure |
$25 ($15–$44) |
| Pedicure |
$39 ($25–$64) |
| Massage (1 Hour) |
$79 ($49–$128) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$4.04 ($2.96–$5.42) |
| Dozen Eggs (per dozen) |
$3.45 ($2.47–$4.93) |
| Loaf of Bread |
$3.75 ($2.47–$5.42) |
| Chicken Breast (per lb) |
$4.44 ($2.96–$6.41) |
| Ground Beef (per lb) |
$5.42 ($3.94–$7.40) |
| Rice (per lb) |
$0.99 ($0.59–$1.77) |
View all 20 services
Utilities
| Electricity (Monthly) |
$138 ($79–$247) |
| Natural Gas (Monthly) |
$69 ($30–$148) |
| Water/Sewer (Monthly) |
$69 ($39–$118) |
| Internet (Monthly) |
$69 ($39–$99) |
| Cell Phone Plan (Monthly) |
$64 ($30–$99) |
| Cable TV (Monthly) |
$84 ($49–$148) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$197 ($74–$493) |
| Car Insurance (Annual) |
$1,972 ($1,183–$3,451) |
| Bus Pass (Monthly) |
$69 ($30–$128) |
| Taxi/Uber (5-Mile Ride) |
$15 ($7.89–$25) |
| Car Registration (Annual) |
$99 ($30–$247) |
| Driver's License Renewal |
$30 ($15–$74) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,183 ($592–$2,465) |
| Daycare (Toddler, Monthly) |
$986 ($493–$1,972) |
| After-School Care (Monthly) |
$394 ($197–$690) |
| Tutoring (Per Hour) |
$49 ($25–$99) |
| SAT/ACT Prep Course |
$986 ($394–$2,465) |
| Private School (K-12, Annual) |
$12,325 ($4,930–$29,580) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$59 ($30–$99) |
| Dog Vaccination (Annual) |
$99 ($49–$197) |
| Dog Grooming |
$59 ($30–$99) |
| Pet Boarding (Per Night) |
$39 ($20–$74) |
| Dog Spay/Neuter |
$296 ($148–$493) |
| Cat Spay/Neuter |
$197 ($99–$394) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $948 |
| Toddler | $893 |
| Preschool | $821 |
| Family Childcare (monthly) |
| Infant | $534 |
| Toddler | $541 |
| Preschool | $541 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Tracy
What is the population of Tracy?
Tracy has a population of 1,869 residents and is located in Minnesota. The population density is 779 people per square mile, spread across 2.2 square miles. The median age of residents is 44.1 years, which is older than the national median of 38.9 years. The population is 53.1% female and 46.9% male.
Is Tracy expensive to live in?
Tracy has a cost of living roughly in line with the national average, with an index of 98.6 (baseline: 100). The median household income is $60,682, 19% below the national average of $75,149. The median home value is $110,900 (61% below the U.S. median). Renters pay a median of $536 per month, below the national average of $1,163. The home price-to-income ratio is 1.8x, indicating housing is reasonably affordable relative to local income levels.
Is Tracy safe?
Tracy is considered a very safe city with a violent crime rate of 96 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 1,433 per 100,000 (below the national average). Overall, Tracy receives a safety grade of F based on combined crime data.
What is the weather like in Tracy?
Tracy has a cool climate with an average annual temperature of 45°F (7°C). Winter temperatures average 14°F in January, while summers reach an average of 72°F in July. The area receives 276 sunny days per year, well above the national average of 205. Annual rainfall totals 29.2 inches, with 49.3 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 36.
How is the job market in Tracy?
The job market in Tracy is very strong, with unemployment at just 1.3% / well below the national rate of 3.6%. The average weekly wage is $1,017. There are 859 business establishments in the area, including 65 restaurants and food service locations. The average commute time is 20 minutes, and 2.6% of workers work from home.
How much does housing cost in Tracy?
The median home value in Tracy is $110,900. Zillow estimates the typical home value at $132,903. For renters, the median monthly rent is $536. Fair market rent is $899 for a 1-bedroom and $1,125 for a 2-bedroom apartment. The homeownership rate is 78.8%. The average annual property tax is $3,674.
How are the schools in Tracy?
Schools in Tracy score 6.2 out of 10 on standardized testing, near the national average. 16.3% of adults in Tracy hold a bachelor's degree or higher, below the national average of 33.7%. 91.6% have completed high school. 2.8% hold a graduate or professional degree.
How healthy is Tracy?
The obesity rate in Tracy is 38.6% (above the national rate of 32.1%). 17.6% of adults are smokers. 27.3% are physically inactive. 24.1% of residents report depression. 9.7% lack health insurance. 81.6% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,201.
What is transportation like in Tracy?
The average commute in Tracy is 20 minutes, shorter than the national average of 28 minutes. 86.7% of workers drive alone to work, and 2.6% work from home.
What are the demographics of Tracy?
The racial and ethnic makeup of Tracy is 80.7% White, 2% Hispanic or Latino. 87.7% of residents speak only English at home, while 12.3% speak Spanish. 8.8% of the population are military veterans. 15.8% of residents have a disability. 91.9% have health insurance coverage.
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