How much rent can you afford in Tracy, CA?
Run your salary against Tracy's current rent, or find the income you'd need for a target rent. Powered by live RentDataNow medians.
The 30% rent rule, in Tracy
At a median rent of $2,717/mo, Tracy is affordable when measured against Tracy median household income of $121,119/yr. Rent would consume roughly 27% of pre-tax income, and a salary of about $108,680 keeps rent at the recommended 30% threshold.
How Tracy compares nearby
Median rent for the closest cities with data.
Frequently asked
How much rent can I afford in Tracy?
On a $121,119 salary (the Tracy median household income), the recommended ceiling is 30% of pre-tax income, or about $3,028/mo. Tracy's median rent is $2,717/mo. Use the calculator on this page to run your own salary.
What salary do I need to live in Tracy?
To keep Tracy's $2,717/mo median rent under 30% of income, you'd need about $108,680/yr. Lower your target share (e.g. 25%) to need more, or raise it (e.g. 40%) to need less.
Is Tracy affordable on the median California income?
Tracy is affordable on a $121,119 income. Rent would take 27% of pre-tax pay, inside the recommended 30% threshold.
What's the 30% rent rule?
The 30% rule is a long-standing budgeting guideline that keeps rent at or below 30% of gross (pre-tax) income. It leaves enough room for utilities, transit, savings, and debt service. In high-cost markets, many renters exceed 30%, and the Census Bureau classifies households paying more than 30% of income on rent as "cost-burdened".