The median home in Tracy, California is valued at $681,383, down 5.3% year over year. Typical monthly rent is $2,708, producing a price-to-rent ratio of 21x — well above the national average of 18x. Tracy is part of the Stockton, CA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.
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Home Value$681,383
-5.3%
Rent$2,708/mo
AFFORDABILITYRenting $1,291/mo cheaper ($2,708 rent)6.50% 30yr, 20% down, county tax + CA ins. 28% per HUD.
Enter your income for Tracy.
$136,277 on $681,383
Out of reach — 64% of income
Need $171,386/yr to afford.
PITI$3,999
P/I64%
Afford$298K
Gap-$383K
P&I $3,445Tax $403Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
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Full Stockton, CA analysis
Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Stockton, CA metro.
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