Tracy, CA

Tracy CA scores 67/100 on safety (about average). Crime is about 21% below the national average. Pick the neighborhood carefully. Some ZIPs are fine, others are not.

Detail: overall crime index 79 (100 = avg); violent crime index 75; property crime index 83. Indexes near 100 track a typical U.S. load. Higher means more crime pressure on that category.

School quality varies by neighborhood in Tracy. Check GreatSchools.org or your local district for current ratings before you choose a ZIP.

Typical rent in Tracy is about $2,478/month (expensive). At $2,478/month for a typical unit, you need about $89,208+ in household income to rent comfortably without stretching (3× rent × 12). Typical home value: $699,000.

Median household income is $121,119, property taxes run about 1.45%, and homes typically sell in around 28 days. Local median income ($121,119) clears the $89,208 comfort line for that rent.

Walk Score 68 (Somewhat Walkable); transit score 42 (Some Transit).

Average temperature is about 79°F (highs near 96°F, lows near 63°F).

Midafternoon outdoor time is limited most of summer without shade and water. Plan on summer electric bills around $200–$300/month for a typical apartment if you run AC hard. If you visit, go in July or August. That is the real test.

Who tends to thrive in Tracy: (1) Dual-income households (at $2,478/month, the rent math works much better with two salaries) (2) People who genuinely love heat and do not mind living indoors June through September (highs near 96°F) (3) Tech and finance workers (the job market is real and local pay near $121,119 helps carry housing costs) (4) Households earning $89,208+ who can clear the 3× rent rule at $2,478/month

Who should look elsewhere: (1) People with young kids who want to let them roam freely (crime pressure is real here; safety 67/100) (2) Single earners under $70k (the rent-to-income ratio is tight at $2,478/month) (3) People who need outdoor time year-round for their mental health (summers lock you inside for 3–4 months; highs near 96°F)

Income sniff test: clear about $89,208 household income for $2,478/month rent. Under that, pick a cheaper ZIP or a different city.

Tracy holds up well on the core metrics we publish. Safety at 67/100 makes it a reasonable choice for households who can manage $2,478/month rent. Verify school ratings for your target ZIP separately.