Tracy, CA Housing Market: Home Prices & Rent
Tracy home values since 2000
Last few years
Rent in Tracy
Owning vs renting, monthly
Buying the typical Tracy home with 20% down at this week's 7.32% 30-year rate costs about $4,507/month (principal, interest plus ~1.5% a year for tax and insurance) vs $2,742/month typical rent.
Rate: Freddie Mac, week of Oct 22, 2026. Estimate for comparison only.
Tracy vs the Stockton metro, California and the U.S.
| Typical home | 12-month change | Typical rent | |
|---|---|---|---|
| Tracy, CA | $668k | -4.1% | $2,742/mo |
| Stockton metro | $520k | -2.1% | $2,431/mo |
| California | $762k | +0.6% | - |
| United States | $366k | +1.2% | $1,932/mo |
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Common questions
Are home prices falling in Tracy, CA?
Yes - the typical Tracy home value is down 4.1% over the past 12 months, at $668k (September 2026). Values are 14% below their June 2022 peak of $780k.
Is the Tracy housing market crashing?
Home values are 14% below their June 2022 peak and down 4.1% over the past year - a gradual decline, not a sudden collapse. Whether that continues isn't knowable from the data - this page updates every month when new figures come out.
How much is rent in Tracy, CA?
Typical rent in Tracy is $2,742 a month (September 2026), +1.5% over 12 months.
Is Tracy more expensive than the rest of the Stockton area?
The typical Tracy home ($668k) is 29% above the Stockton metro typical of $520k (September 2026).
More of the Stockton area
Sources: Data Provided by Zillow Group (Zillow Home Value Index and Zillow Observed Rent Index for the city of Tracy, September 2026; days to contract for the metro area). 30-year mortgage rate: Freddie Mac PMMS. How we calculate.