Median Income
$33,571
55% lower than US avg
Home Value
$123,200
56% lower than US avg
Violent Crime
272/100K
28% lower than US avg
Bachelor's+
16.7%
50% lower than US avg
Median Rent
$1,080
7% lower than US avg
Obesity Rate
33.8%
5% higher than US avg
Unemployment
0.8%
78% lower than US avg
Poverty Rate
9.1%
27% lower than US avg
How Tracy Compares to the U.S. Average (100% = U.S. avg)
People
Population130
Median Age55.7 yrs
Density351/mi²
Male / Female52% / 49%
Largest GroupWhite 98%
Veterans74.0%
Economy
B+
Median Income$33,571
Per Capita$33,110
Unemployment0.8%
Poverty9.1%
County GDP$5,712M
Commute21 min
Housing
A+
Home Value$123,200
Rent$1,080
Ownership78.8%
Zillow$284,298
Housing Units79
Rent Burden23.4%
Crime
F
Violent272/100K
Property4,304/100K
Health
Obesity33.8%
Uninsured8.4%
Smoking13.6%
Depression29.0%
Heart Disease4.7%
Climate
Avg Temp47°F (8°C)
AQI26 (Good)
Rain15.4 in/yr
Sunny Days273/yr
Elevation3,440 ft (1,049 m)
Education
C
Bachelor's+16.7%
High School+98.2%
Graduate+4.2%
School Score6.19
Community
2024 VoteR 60% / D 37%
Commute21 min
Broadband80.0%
EV Stations11
Libraries4
Is Tracy a Good Place to Live?
Based on current data, Tracy receives an overall livability score of 2.9 out of 5.0, earning a grade of C+. Key strengths include low unemployment, low crime rates, affordable housing, abundant sunshine. Areas to be aware of include below-average incomes. Tracy has some notable strengths but also faces challenges that prospective residents should consider.
Economy & Jobs
The median household income in Tracy is $33,571, 55% below the national average of $75,149. The job market is very strong with unemployment at just 0.8%. 9.1% of residents live in poverty, near the national average of 12.4%. Workers commute an average of 21 minutes.
Cost of Living & Housing
The median home value in Tracy is $123,200, 56% below the national median / offering relatively affordable homeownership. Renters pay a median of $1,080 per month. A price-to-income ratio of 3.7x indicates a reasonably affordable housing market.
Safety & Crime
Violent crime in Tracy is below the national average at 272 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 4,304 per 100,000, 120% above the national average.
Education
16.7% of residents hold a bachelor's degree, below the national average of 33.7%. 98.2% have completed high school. Local schools score 6.2/10 in standardized testing, reflecting strong academic performance.
Climate & Weather
Tracy experiences four distinct seasons with an average temperature of 47°F. Winters average 27°F in January while summers reach 70°F in July. With 273 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 15.4 inches. Air quality is rated Good with a median AQI of 26.
Tracy has a population of 130 with a density of 351 people per square mile, spread across 0.4 square miles. The median age is 55.7 years, 43% older than the national median of 38.9. The gender split is 48.5% female and 51.5% male. The city is predominantly White (97.7%). English is the primary language spoken at home by 100% of residents. 74.0% of the population are veterans, above the national rate of 6.0%. 21.6% of residents have a disability (above the 13.0% national average). 97.3% have health insurance coverage.
Population
55.7yrs
Median Age
43% above US avg
Language Spoken at Home
English Only
100.0%
27% above US avg
Spanish
0.0%
100% below US avg
The median household income in Tracy is $33,571, which is 55% below the national average of $75,149. Per capita income is $33,110 (below the $39,052 national figure). The average weekly wage is $1,066, 26% lower than the U.S. average. The unemployment rate is 0.8% (below the 3.6% US average). 9.1% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 3,200 business establishments, including 251 restaurants. The cost of living index is 94.6, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 21 minutes (shorter than the 28-minute US average). 2.8% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $33,571 |
| 55% below US avg |
| Per Capita Income | $33,110 |
| Avg Weekly Wage | $1,066 |
| IRS Avg AGI | $67,719 |
| Gini Index | 0.451 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 0.8% |
| 78% below US avg |
| Poverty Rate | 9.1% |
| 27% below US avg |
| Establishments (County) | 3,200 |
| County GDP | $5,712M |
Business (County)
| Restaurants | 251 |
| Healthcare | 326 |
| Retail | 335 |
| Manufacturing | 70 |
Tax & Cost of Living
| Property Tax (IRS) | $4,066 |
| 16% above US avg |
| Cost of Living | 94.60 (100=avg) |
| Effective Tax Rate | 3.30% |
Commute & Transportation
| Commute Time | 21.0 min |
| Drive Alone | 62.0% |
| Public Transit | 0.0% |
| Work from Home | 2.8% |
The median home value in Tracy is $123,200, 56% below the national median of $281,900. Zillow estimates the typical home value at $284,298, higher than the Census estimate. Monthly rent averages $1,080 (7% below the national average of $1,163). Fair market rent ranges from $1,076 for a one-bedroom to $1,336 for a two-bedroom apartment. 78.8% of housing units are owner-occupied (above the 65.4% national rate). There are 79 total housing units in the city. The median year a home was built is 1962. The average annual property tax is $4,066 (higher than the $3,500 national average). 23.4% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 3.7x.
Home Values
| Census Median | $123,200 |
| 56% below US avg |
| Zillow ZHVI | $284,298 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $1,080 |
| 7% below US avg |
| Rent Burden | 23.4% |
HUD Fair Market Rent
| Studio | $988 |
| 1 Bedroom | $1,076 |
| 2 Bedrooms | $1,336 |
| 3 Bedrooms | $1,789 |
| 4 Bedrooms | $2,113 |
Ownership & Property
| Homeownership | 78.8% |
| Owner-Occupied | 78.8% |
| Renter-Occupied | 21.2% |
| Housing Units | 79 |
| Median Year Built | 1962 |
Property Tax
| Avg Tax (IRS) | $4,066 |
| 16% above US avg |
| Effective Rate | 3.30% |
In Tracy, 33.8% of adults are obese, above the national rate of 32.1%. 7.6% have diabetes (below the 10.5% national rate). Heart disease affects 4.7% of residents, below the national average. 28.3% have high blood pressure. 13.6% are current smokers. 22.5% report binge drinking. 19.9% are physically inactive, below the national average. 29.0% report depression (above the 20.0% national average). 20.0% experience frequent mental distress. 8.4% of residents lack health insurance. The primary care physician ratio is 1:1,341. The dentist ratio is 1:1,048. 78.7% of residents have access to exercise opportunities. The food environment index is 7.8 out of 10.
Health Metrics: Tracy vs U.S. Average (%)
Chronic Conditions
| Obesity | 33.8% |
| 5% above US avg |
| Diabetes | 7.6% |
| Heart Disease | 4.7% |
| High Blood Pressure | 28.3% |
| Asthma | 12.8% |
| COPD | 5.8% |
| Cancer | 7.6% |
| Stroke | 2.7% |
Behaviors & Mental Health
| Smoking | 13.6% |
| 3% below US avg |
| Binge Drinking | 22.5% |
| Physical Inactivity | 19.9% |
| Depression | 29.0% |
| Mental Distress | 20.0% |
| Physical Distress | 13.3% |
| Short Sleep | 32.5% |
Healthcare Access
| Insurance Rate | 97.3% |
| Uninsured | 8.4% |
| 2% below US avg |
| Primary Care | 1:1,341 |
| Dentists | 1:1,048 |
| Mental Health | 1:246 |
| Checkup Rate | 72.0% |
| Dental Visits | 70.0% |
| Premature Death | 9,758/100K |
Food & Exercise
| Food Environment | 7.8/10 |
| Exercise Access | 78.7% |
| Healthcare Facilities | 326 |
Tracy has a violent crime rate of 272 per 100,000 residents, 28% below the national average of 380. Property crime stands at 4,304 per 100,000, 120% above the U.S. average. The county recorded 9 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 | 272.3/100K |
| 28% below US avg |
| |
Property Crime
| Total Property | 4,304.1/100K |
| 120% above US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 9 |
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Tracy experiences four distinct seasons with an average annual temperature of 47°F (8°C). Winters average 27°F in January while summers reach 70°F in July. The area gets 273 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 15.4 inches (drier than the 38-inch national average). Air quality is rated Good with a median AQI of 26 / among the cleanest air in the country. The city sits at an elevation of 3,440 feet.
Temperature
27°F Jan (-3°C)
70°F Jul (21°C)
| Annual Average | 47.0°F |
| 13% below US avg |
| January Average | 27°F (-3°C) |
| July Average | 70°F (21°C) |
| Sunny Days | 273 days/yr |
Geography
| Elevation | 3,440 ft (1,049 m) |
| Area | 0.4 sq mi (1.0 km²) |
| Population Density | 351/sq mi |
| Coordinates | 47.4132°N, 111.1511°W |
| Timezone | America/Denver |
| County | Cascade County County |
| Nearest Airport | Great Falls International (GTF) 11 miles away |
Precipitation & Snow
Annual Rainfall
15.4"
59% below US avg
Wettest Month (May)
3.11"
Air Quality
| AQI Median | 26.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Relatively Moderate |
| Risk Score | 83.1 / 100 |
| Social Vulnerability | 27.1 / 100 |
| Community Resilience | 76.3 / 100 |
Hazard Breakdown
| Tornado |
Very Low |
| Earthquake |
Relatively Low |
| Wildfire |
Relatively Low |
| Flood |
Relatively Moderate |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Relatively Low |
| Winter Weather |
Very High |
| Lightning |
Relatively Moderate |
| Ice Storm |
Very Low |
| Drought |
Relatively Low |
| Cold Wave |
Relatively High |
| Landslide |
Relatively Low |
| Avalanche |
Relatively Moderate |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
274 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M5.8. Most recent: M2.5 on Apr 17, 2025.
| Jul 6, 2017 |
11 km SE of Lincoln, Montana |
M5.8 |
123 km |
| Jul 6, 2017 |
15 km S of Lincoln, Montana |
M5.0 |
133 km |
| Jul 6, 2017 |
14 km SE of Lincoln, Montana |
M4.4 |
122 km |
| Jan 30, 2016 |
19 km E of Lincoln, Montana |
M4.3 |
109 km |
| Apr 8, 2000 |
8 km ENE of Townsend, Montana |
M4.1 |
121 km |
| Jul 17, 2017 |
12 km ESE of Lincoln, Montana |
M4.0 |
120 km |
| Nov 10, 2000 |
14 km NE of Townsend, Montana |
M4.0 |
114 km |
| Jul 6, 2017 |
14 km SSE of Lincoln, Montana |
M4.0 |
127 km |
| Jul 19, 2002 |
43 km NE of Seeley Lake, Montana |
M4.0 |
143 km |
| Apr 1, 1993 |
15 km E of Lincoln, Montana |
M3.9 |
112 km |
| Feb 6, 1999 |
24 km E of Townsend, Montana |
M3.9 |
118 km |
| Aug 16, 1994 |
27 km W of Chester, Montana |
M3.9 |
120 km |
| Jun 2, 1996 |
37 km N of Ovando, Montana |
M3.9 |
143 km |
| Oct 19, 2017 |
12 km SE of Lincoln, Montana |
M3.9 |
121 km |
| Mar 13, 2017 |
4 km ESE of Avon, Montana |
M3.8 |
141 km |
| Apr 17, 2018 |
13 km ESE of Lincoln, Montana |
M3.8 |
119 km |
| Jan 2, 1990 |
6 km NNE of Toston, Montana |
M3.7 |
133 km |
| Jul 13, 2017 |
14 km SE of Lincoln, Montana |
M3.7 |
122 km |
| Jul 6, 2017 |
12 km ESE of Lincoln, Montana |
M3.7 |
119 km |
| May 24, 2000 |
9 km ENE of Townsend, Montana |
M3.7 |
121 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
47 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF2. Total: 6 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Apr 24, 1994 |
EF2 |
74 km |
0 |
| Apr 24, 1994 |
EF2 |
74 km |
0 |
| Jun 8, 1976 |
EF2 |
81 km |
0 |
| Jun 30, 1975 |
EF2 |
42 km |
0 |
| Jul 2, 1966 |
EF2 |
87 km |
0 |
| Jul 10, 1965 |
EF2 |
89 km |
0 |
| Jun 5, 2012 |
EF1 |
100 km |
0 |
| Jun 16, 2007 |
EF1 |
66 km |
0 |
| Apr 22, 2003 |
EF1 |
75 km |
0 |
| Jul 3, 1998 |
EF1 |
35 km |
0 |
| Jun 19, 1998 |
EF1 |
47 km |
0 |
| Jul 5, 1988 |
EF1 |
28 km |
0 |
| Jun 1, 1980 |
EF1 |
44 km |
0 |
| Jul 3, 1978 |
EF1 |
28 km |
0 |
| Jul 3, 1978 |
EF1 |
28 km |
0 |
| Jul 3, 1978 |
EF1 |
28 km |
0 |
| Jun 1, 1977 |
EF1 |
51 km |
0 |
| May 10, 1977 |
EF1 |
93 km |
0 |
| May 10, 1977 |
EF1 |
95 km |
0 |
| Jul 10, 1965 |
EF1 |
50 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: WOODS CREEK (55,836 ac, 2021).
| Year |
Name |
Acres |
Distance |
| 2021 |
WOODS CREEK |
55,836 |
98 km |
| 2021 |
HARRIS MTN |
31,792 |
52 km |
| 1984 |
NORTH HILL |
27,162 |
88 km |
| 2000 |
CANYON FERRY COMPLEX (CAVE GULCH) |
26,997 |
87 km |
| 1990 |
TURKEY |
25,658 |
84 km |
| 2007 |
MERIWETHER |
18,865 |
79 km |
| 1990 |
BEARTOOTH COMPLEX |
13,462 |
70 km |
| 2009 |
MEISSNER |
12,318 |
67 km |
| 1985 |
SANDPOINT |
10,439 |
85 km |
| 1993 |
FREEZEOUT LAKE |
9,793 |
81 km |
| 2021 |
BALSINGER |
8,317 |
50 km |
| 2009 |
INDIAN TRAIL |
4,592 |
76 km |
| 2020 |
YOGO |
4,429 |
74 km |
| 2008 |
CHOUTEAU CO COMPLEX |
4,365 |
81 km |
| 2019 |
NORTH HILLS |
4,149 |
94 km |
| 2019 |
STUCKEY RD MA |
4,073 |
25 km |
| 1991 |
POWER |
3,822 |
51 km |
| 2002 |
PISHKUN |
3,450 |
98 km |
| 2012 |
MISSION ROAD |
3,372 |
66 km |
| 2008 |
UNIT 3 MARSH HAZ FUEL REDUCTION |
3,333 |
32 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
27°F (-3°C) |
0.8 in |
|
| February |
28°F (-2°C) |
0.6 in |
Driest |
| March |
35°F (1°C) |
1.2 in |
|
| April |
44°F (6°C) |
1.7 in |
|
| May |
53°F (11°C) |
3.1 in |
Wettest |
| June |
61°F (16°C) |
2.6 in |
|
| July |
70°F (21°C) |
1.5 in |
Warmest |
| August |
67°F (20°C) |
1.7 in |
|
| September |
57°F (14°C) |
1.6 in |
|
| October |
47°F (8°C) |
1.2 in |
|
| November |
34°F (1°C) |
0.8 in |
|
| December |
26°F (-3°C) |
0.8 in |
Coldest |
Tracy has a seasonal temperature swing of 45°F / from 26°F in December to 70°F in July. Total annual precipitation is 17.6 inches, with May being the wettest month (3.1") and February 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) |
$237 ($142–$378) |
| Specialist Visit |
$331 ($189–$520) |
| Urgent Care Visit |
$189 ($95–$331) |
| Emergency Room Visit |
$2,081 ($757–$4,730) |
| Dental Cleaning |
$123 ($71–$189) |
| Dental Filling |
$237 ($142–$378) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$43 ($24–$71) |
| Oil Change (Synthetic) |
$71 ($47–$114) |
| Brake Pad Replacement |
$284 ($142–$473) |
| Tire Rotation |
$38 ($19–$71) |
| New Tires (Set of 4) |
$568 ($378–$946) |
| Battery Replacement |
$189 ($95–$331) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$95 ($57–$142) |
| Electrician (Per Hour) |
$85 ($47–$132) |
| HVAC Repair |
$378 ($142–$757) |
| HVAC System Install |
$6,622 ($3,784–$11,352) |
| Roof Repair |
$946 ($378–$1,892) |
| Roof Replacement |
$8,514 ($5,203–$14,190) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,419 ($473–$3,311) |
| Divorce (Contested) |
$14,190 ($4,730–$28,380) |
| DUI Defense |
$4,730 ($1,892–$9,460) |
| Bankruptcy (Chapter 7) |
$1,419 ($757–$2,838) |
| Will Preparation |
$473 ($189–$946) |
| Trust Preparation |
$2,365 ($946–$4,730) |
View all 12 services
Personal Care
| Men's Haircut |
$24 ($14–$43) |
| Women's Haircut |
$52 ($28–$95) |
| Hair Coloring (Full) |
$142 ($71–$237) |
| Manicure |
$24 ($14–$43) |
| Pedicure |
$38 ($24–$61) |
| Massage (1 Hour) |
$76 ($47–$123) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.88 ($2.84–$5.20) |
| Dozen Eggs (per dozen) |
$3.31 ($2.37–$4.73) |
| Loaf of Bread |
$3.59 ($2.37–$5.20) |
| Chicken Breast (per lb) |
$4.26 ($2.84–$6.15) |
| Ground Beef (per lb) |
$5.20 ($3.78–$7.10) |
| Rice (per lb) |
$0.95 ($0.57–$1.70) |
View all 20 services
Utilities
| Electricity (Monthly) |
$132 ($76–$237) |
| Natural Gas (Monthly) |
$66 ($28–$142) |
| Water/Sewer (Monthly) |
$66 ($38–$114) |
| Internet (Monthly) |
$66 ($38–$95) |
| Cell Phone Plan (Monthly) |
$61 ($28–$95) |
| Cable TV (Monthly) |
$80 ($47–$142) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$189 ($71–$473) |
| Car Insurance (Annual) |
$1,892 ($1,135–$3,311) |
| Bus Pass (Monthly) |
$66 ($28–$123) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.57–$24) |
| Car Registration (Annual) |
$95 ($28–$237) |
| Driver's License Renewal |
$28 ($14–$71) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,135 ($568–$2,365) |
| Daycare (Toddler, Monthly) |
$946 ($473–$1,892) |
| After-School Care (Monthly) |
$378 ($189–$662) |
| Tutoring (Per Hour) |
$47 ($24–$95) |
| SAT/ACT Prep Course |
$946 ($378–$2,365) |
| Private School (K-12, Annual) |
$11,825 ($4,730–$28,380) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$57 ($28–$95) |
| Dog Vaccination (Annual) |
$95 ($47–$189) |
| Dog Grooming |
$57 ($28–$95) |
| Pet Boarding (Per Night) |
$38 ($19–$71) |
| Dog Spay/Neuter |
$284 ($142–$473) |
| Cat Spay/Neuter |
$189 ($95–$378) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $953 |
| Toddler | $993 |
| Preschool | $852 |
| Family Childcare (monthly) |
| Infant | $770 |
| Toddler | $787 |
| Preschool | $787 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Tracy
What is the population of Tracy?
Tracy has a population of 130 residents and is located in Montana. The population density is 351 people per square mile, spread across 0.4 square miles. The median age of residents is 55.7 years, which is older than the national median of 38.9 years. The population is 48.5% female and 51.5% male.
Is Tracy expensive to live in?
Tracy is more affordable than the national average, with a cost of living index of 94.6 / below the baseline of 100. The median household income is $33,571, 55% below the national average of $75,149. The median home value is $123,200 (56% below the U.S. median). Renters pay a median of $1,080 per month. The home price-to-income ratio is 3.7x, indicating housing is reasonably affordable relative to local income levels.
Is Tracy safe?
Tracy is safer than the national average, with a violent crime rate of 272 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 4,304 per 100,000 (above 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 four-season climate with an average annual temperature of 47°F (8°C). Winter temperatures average 27°F in January, while summers reach an average of 70°F in July. The area receives 273 sunny days per year, well above the national average of 205. Annual rainfall totals 15.4 inches. Air quality is rated Good with a median Air Quality Index (AQI) of 26.
How is the job market in Tracy?
The job market in Tracy is very strong, with unemployment at just 0.8% / well below the national rate of 3.6%. The average weekly wage is $1,066. There are 3,200 business establishments in the area, including 251 restaurants and food service locations. The average commute time is 21 minutes, and 2.8% of workers work from home.
How much does housing cost in Tracy?
The median home value in Tracy is $123,200. Zillow estimates the typical home value at $284,298. For renters, the median monthly rent is $1,080. Fair market rent is $1,076 for a 1-bedroom and $1,336 for a 2-bedroom apartment. The homeownership rate is 78.8%. The average annual property tax is $4,066.
How are the schools in Tracy?
Schools in Tracy score 6.2 out of 10 on standardized testing, near the national average. 16.7% of adults in Tracy hold a bachelor's degree or higher, below the national average of 33.7%. 98.2% have completed high school. 4.2% hold a graduate or professional degree.
How healthy is Tracy?
The obesity rate in Tracy is 33.8% (above the national rate of 32.1%). 13.6% of adults are smokers. 19.9% are physically inactive. 29.0% of residents report depression. 8.4% lack health insurance. 78.7% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,341.
What is transportation like in Tracy?
The average commute in Tracy is 21 minutes, shorter than the national average of 28 minutes. 62% of workers drive alone to work, and 2.8% work from home.
What are the demographics of Tracy?
The racial and ethnic makeup of Tracy is 97.7% White. 100% of residents speak only English at home. 74.0% of the population are military veterans. 21.6% of residents have a disability. 97.3% have health insurance coverage.