Residential comparison · 13 facts
Modesto, CA vs Tracy, CA
Compare the housing, tax, cost, income, safety, school, and climate facts that are available for both places. The table shows the numbers without declaring one city universally better.
A household earning $85,000 in Modesto needs about $95,500 in Tracy to keep the same lifestyle.
Coming from Tracy, $85,000 of lifestyle costs about $74,500 in Modesto.
A few differences
- Tracy is higher on median household income ($121,119 vs $79,891).
- Modesto is lower on cost of living index (116 vs 137).
- Modesto is lower on 2-bedroom rent ($1,661/mo vs $2,183/mo).
Modesto vs Tracy · facet by facet
| Facet | Modesto, CA | Tracy, CA |
|---|---|---|
| Median home price | $442,700 | $699,000 |
| 2-bedroom rent | $1,661/mo | $2,183/mo |
| Property tax rate | 0.75% | 0.75% |
| State & local income tax | 2.09% | 2.09% |
| Sales tax | 8.8% | 8.8% |
| Cost of living index | 116 | 137 |
| Groceries index | 112 | 112 |
| Utilities | $245/mo | $245/mo |
| Median household income | $79,891 | $121,119 |
| Unemployment rate | 5.2% | 5.2% |
| Crime index | 52/100 | 52/100 |
| School rating | 5.5/10 | 5.5/10 |
| Sunny days / year | 260 days | 260 days |
Data: Census ACS 2024 · BLS · Tax Foundation 2024 brackets · HUD/Zillow · NOAA 1991–2020 · FEMA NRI · Values are shown as reported; no universal winner is implied.
Full profiles: Modesto, CA · Tracy, CA
Questions & answers
- Is Modesto cheaper than Tracy?
- Modesto has the lower day-to-day cost index (116 vs 137 against a national 100). The other differences are shown facet by facet in the table.
- What household income in Tracy equals $85,000 in Modesto?
- A household earning $85,000 in Modesto needs about $95,500 in Tracy to keep the same lifestyle; coming the other way, $85,000 of Tracy lifestyle costs about $74,500 in Modesto.