Tracy, CA housing market
Typical home value
$668K
▼ 4.1% 1 yr
Typical rent
$2,742/mo
▲ 1.5% 1 yr
Gross rent yield
4.9%
U.S. 6.3%
5-year home value change
−0%
U.S. +20%
Key takeaways
- 1The typical home in Tracy is worth $668,130, down 4.1% over the past year and down 0% over five years.
- 2Typical rent is $2,742 a month (+1.5% YoY), a gross rent yield of 4.9% (below the Stockton, CA metro's 5.6%).
- 3With 20% down at 7.32%, principal and interest on the typical home is about $3,672/mo, $930 more than typical rent.
- 4Zillow forecasts the Stockton, CA metro's home values to change −0.7% over the next 12 months.
Market temperature (Stockton, CA metro)
Buyer's market
Buyer'sNeutralSeller's
Zillow Market Heat Index: 42/100, #246 hottest of 546 metros. Below 44 favors buyers; above 55 favors sellers.
Home values and rent
Source: Zillow Research (ZHVI, ZORI and market activity data).
How Tracy compares
| Measure | Tracy | Stockton, CA metro | United States |
|---|---|---|---|
| Typical home value | $668,130 | $519,775 | $366,157 |
| Home value, 1-yr change | −4.1% | −2.1% | +1.2% |
| Typical rent | $2,742 | $2,431 | $1,932 |
| Rent, 1-yr change | +1.5% | +1.9% | +2.7% |
| Gross rent yield | 4.9% | 5.6% | 6.3% |
| Price-to-rent ratio | 20.3 | 17.8 | 15.8 |
| Mortgage P&I, typical home | $3,672 | $2,856 | $2,012 |
Run the numbers
Rental property calculator
Cash flow on a typical Tracy rental, pre-filled.
Rent vs buy in Tracy
Which costs less over the years you'll stay.
Mortgage calculator
Monthly payment on a $668K home.
Landlord in California? See California deposit, late fee and notice rules.
Other cities in the Stockton, CA metro
Stockton, CA
$422K home$2,032 rent
▼ 1.7% 1 yr
Manteca, CA
$573K home$2,530 rent
▼ 2.9% 1 yr
Lodi, CA
$509K home$2,278 rent
▼ 1.4% 1 yr
Lathrop, CA
$621K home$3,056 rent
▼ 3.8% 1 yr
City figures are Zillow's typical home value (ZHVI) and observed rent (ZORI). Gross yield is before expenses. Data refreshed Oct 26, 2026.