The median home in Tracy, Iowa is valued at $162,784, down 4.1% year over year. Tracy is part of the Pella, IA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: Pella, IA stress score, crash risk, and 12-month forecast →

Home Value$162,784

-4.1%

AFFORDABILITY

Enter your income for Tracy.

Income (annual)

Down Payment

$32,557 on $162,784

Affordable — 19% of income

Under the 28% guideline.

PITI$1,186

P/I19%

Afford$240K

Room+$77K

P&I $823Tax $213Ins $150

6.50% 30yr, 20% down, county tax + IA ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Iowa

Compare Tracy with other housing markets across Iowa.

West Okoboji$794K Orleans$629K Wahpeton$550K Shueyville$525K Cumming$508K Panora$474K Honey Creek$441K Ackworth$437K

Full Pella, IA analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Pella, IA metro.

View Pella, IA metro →

TRACY, IA