New Listing
7
$589,999
2488 Gaines Ln
Tracy, CA 95377
3 bd3 ba2,051 sqft$288/ft²
House5,998 sqft lot
Oscar Uribe · PAK Home Realty
View photos & details
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Compass Real Estate · Tracy, CA
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Tracy, CA Housing Market
Seller's market-5.4% YoY
Zillow, July 2026 · Refreshes monthlyRedfin, through May 2026 · No longer updatingFreddie Mac via FRED, August 2026 · Refreshes weekly
The typical home in Tracy, CA is worth $679,447, fell 5.4% over the past year (Zillow Home Value Index, July 2026). The last median sale price Redfin published was $682,500, -2.0% year over year (through May 2026). With 3.1 months of supply and homes going under contract in about 23 days, Tracy is a seller's market. At today's 6.66% 30-year fixed rate, 20% down on a $679,447 home is about $3,493/mo in principal and interest.
Key numbers for Tracy, CA
Typical home value
$679,447
-5.4% in 12 months
Zillow, July 2026
Typical asking rent
$2,748/mo
Zillow Observed Rent Index
Zillow, July 2026
Median sale price
$682,500
-2.0% year over year
Redfin, through May 2026
Days on market
23
Average pace
Redfin, through May 2026
Active listings
178
3.1 months of supply
Redfin, through May 2026
30-yr fixed rate
6.66%
Freddie Mac weekly average
Freddie Mac via FRED, August 2026
Median household income
$118,253
Home costs 5.7x income
U.S. Census ACS, 2023
Sale-to-list ratio
100.3%
Selling above asking
Redfin, through May 2026
Zillow figures are as of July 2026 and refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Tracy a buyer's or seller's market?
Seller's market3.1 months of supply23 days on market100.3% of asking
Tracy, CA is a seller's market, based on 3.1 months of supply and homes selling in about 23 days. Under 4 months of supply tilts the market toward sellers: homes clear faster than they are replaced, so concessions are scarce.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Tracy housing market data show?
Every row below is Redfin's final published month for Tracy, CA. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $682,500 |
| Median list price | $693,925 |
| Year-over-year price change | -2.0% |
| Median price per sq ft | $343/sq ft |
| Median days on market | 23 days |
| Active inventory | 178 listings |
| Months of supply | 3.1 months |
| Sale-to-list price ratio | 100.3% |
| Homes sold (that month) | 58 |
| New listings (that month) | 90 |
| Listings with a price cut | 33.1% |
| Market condition | Seller's market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Tracy is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Tracy is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Tracy home prices moved?
Over the last three years the median sale price in Tracy, CA fell 0.9%, from $689,000 to $682,500. The live Zillow value series has fell 5.4% in the last 12 months, which is the more current read now that Redfin's series has stopped. 33.1% of Tracy listings cut their asking price in the final Redfin month — a high share, and the clearest sign that list prices were running ahead of what buyers would pay. For prices to fall meaningfully from here, supply would have to keep building past 3.1 months while the sale-to-list ratio slips below its current 100.3%. Watch those two together — they move before the median does.
Redfin, through May 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Tracy?
Priced off the typical home value of $679,447 at the current 6.66% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $135,889 | $543,558 | $3,493/mo |
| 5% | $33,972 | $645,475 | $4,148/mo |
Zillow, July 2026 for the price · Freddie Mac via FRED, August 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $3,493, that implies roughly $149,702 a year before you add taxes and insurance. The median household in Tracy earns $118,253, about $31,449 short of that threshold — the typical local household needs a larger down payment, a co-borrower, or a home below the typical home value to fit the 28% rule. That puts the price-to-income ratio at 5.7x — well above the 3x that was historically considered affordable, which is why down payment size drives who can buy here.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Tracy in the next 12 months?
Tell us your timeline. We send the Tracy market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Tracy?
Typical asking rent in Tracy, CA is $2,748/mo, against a typical home value of $679,447. That is a price-to-rent ratio of 20.6x, which means renting tends to be the cheaper monthly option unless you stay long enough for appreciation to close the gap. Compared head to head, 20% down puts principal and interest at $3,493 a month — $745 more than renting before taxes and insurance, so the ownership case here rests on equity and appreciation rather than monthly cash flow.
Zillow, July 2026 for both value and rent
Add your own down payment, tax rate and time horizon in the rent vs. buy calculator.
Is inventory rising or falling in Tracy?
Active listings in Tracy, CA went from 195 in May 2025 to 178 in May 2026, a -8.7% change. Inventory has been roughly flat, which usually keeps prices moving with rates rather than with local supply.
| Month | Active listings | New listings |
|---|---|---|
| June 2025 | 200 | 86 |
| July 2025 | 215 | 85 |
| August 2025 | 200 | 79 |
| September 2025 | 186 | 73 |
| October 2025 | 148 | 60 |
| November 2025 | 123 | 53 |
| December 2025 | 105 | 40 |
| January 2026 | 141 | 75 |
| February 2026 | 125 | 47 |
| March 2026 | 129 | 84 |
| April 2026 | 160 | 107 |
| May 2026 | 178 | 90 |
Redfin, through May 2026
How does Tracy compare to California and the U.S.?
Tracy homes sell for $682,500 — 23% below the California median of $887,400. Against the national median of $410,700, Tracy runs 66% higher. Year-over-year, Tracy moved -2.0% against California's +3.4% — a smaller swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Tracy, CA | $682,500 | -2.0% | 23 days |
| California statewide | $887,400 | +3.4% | 33 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through May 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Tracy
What buyers should watch
- Months of supply, currently 3.1. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The share of listings cutting price, currently 33.1%. A listing that has already cut once is the one most likely to accept below asking.
- The gap between 5% and 20% down here is $655 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 6.66%, every full point of rate change moves the payment on a $679,447 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Tracy listing goes under contract in 23 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 100.3% of asking. Price at the number you want and let competition do the rest.
- In the last published month Tracy added 90 new listings against 58 sales — more competition arriving than clearing, so early timing matters.
- Your equity moved -5.4% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside Tracy varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Tracy
There are currently 178 homes listed for sale in Tracy, California. The median listing price is $694K. Featured listings range from $589,999 to $1,150,000.
New Listing
37
$595,000
1940 McPeak Ct
Tracy, CA 95376
4 bd3 ba1,567 sqft$380/ft²
House7,077 sqft lot
Lisa C. Perry · Coldwell Banker Realty
View photos & details
New Listing
44
$630,000
1841 S Willow Creek Dr
Tracy, CA 95376
4 bd2 ba1,787 sqft$353/ft²
House6,199 sqft lot
Jack Klemm · Klemm Real Estate
View photos & details
New Listing
49
$649,995
1007 Lourence Dr
Tracy, CA 95376
3 bd2 ba1,650 sqft$394/ft²
House6,913 sqft lot
Shawn Roycroft · Realty ONE Group Zoom
View photos & details
New BuildPrice Drop −$90K
18
$702,598
2840 Dapper St
Tracy, CA 95377
4 bd3 ba2,363 sqft$297/ft²
House
View photos & details
New Listing
40
$749,900
2646 Ozark Dr
Tracy, CA 95304
4 bd3 ba2,190 sqft$342/ft²
House5,001 sqft lot
Nancy Longoria-Vargas · Lighthouse Real Estate, Inc.
View photos & details
New Listing
51
$778,000
605 Natalie Ln
Tracy, CA 95376
4 bd3 ba1,996 sqft$390/ft²
House15,259 sqft lot
Brandon Torres · Homelink Real Estate
View photos & details
New Listing
54
$804,000
1300 Eastlake Cir
Tracy, CA 95304
4 bd3 ba2,808 sqft$286/ft²
House6,098 sqft lot
Grace Alvarez · Century 21 Select Real Estate
View photos & details
New Listing
42
$825,000
4484 Lindsey Ln
Tracy, CA 95377
4 bd3 ba2,447 sqft$337/ft²
House6,375 sqft lot
Gustavo Ruezga · Pepa Realty
View photos & details
New Listing
15
$949,999
539 W Lowell Ave
Tracy, CA 95376
6 bd4 ba2,456 sqft$387/ft²
House9,200 sqft lot
Naidy Nova Ceja · EXIT Realty Consultants
View photos & details
New Listing
37
$950,000
1030 Eastlake Cir
Tracy, CA 95304
5 bd3 ba3,779 sqft$251/ft²
House6,975 sqft lot
Sydney Meng · Bay One Realty
View photos & details
New Listing
36
$1,150,000
18393 Paradise Rd
Tracy, CA 95304
3 bd2 ba1,745 sqft$659/ft²
House1.11 acres
Asad Jafri · Simple Realty
View photos & details
Looking to buy in Tracy?
Get connected with a local real estate expert — free, no obligation.
Active listings
178
Homes on market
Median list price
$694K
Avg. days on market
23
Days until sale
New this week
90
Newly listed
Price drops:33.1%of listings
Sale-to-list:100.3%
How much do homes cost in Tracy by property type?
How the Tracy, CA market breaks down across single-family homes, condos and townhouses. Redfin, through May 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $690,659 | $343/sq ft | 56 | 21 days |
| Condo / co-op | $335,000 | $300/sq ft | 1 | 30 days |
| Townhouse | $380,000 | $469/sq ft | 1 | 14 days |
Who lives in Tracy?
American Community Survey estimates for Tracy. U.S. Census ACS, 2023
Population
95,358
Households
27,943
Median income
$118,253/yr
Median age
35.2 years
Owner-occupied
64.0%
Median home value
$653,900
Median gross rent
$2,325/mo
Mean commute
42.8 min
64.0% of occupied homes in Tracy are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market. The Census self-reported median home value is $653,900 against Zillow's $679,447 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions. Census median gross rent (all leases, including long-held ones) is $2,325/mo, below Zillow's $2,748/mo asking rent on new leases — the difference is roughly what a mover pays over a stayer.
Which public schools serve Tracy?
36 schools tracked · 20,686 students
The largest public schools serving Tracy, CA by enrollment, drawn from the National Center for Education Statistics. School quality is a commonly cited factor in home-buying decisions — these are the campuses families in this area are most likely to encounter.
Merrill F. West High
Grades 9-12 · 2,066 students
Tracy High
Grades 9-12 · 1,722 students
John C. Kimball High
Grades 9-12 · 1,654 students
George Kelly Elementary
Grades K-8 · 926 students
Tom Hawkins Elementary
Grades K-8 · 918 students
Delta Charter
Grades K-12 · 811 students
South/West Park Elementary
Grades K-5 · 809 students
Anthony C. Traina Elementary
Grades K-8 · 805 students
Source: National Center for Education Statistics, Common Core of Data directory. Updated annually. Ratings and test scores are not currently displayed.
Which cities are near Tracy, CA?
Ordered by distance from Tracy, not by size. Compare Tracy side by side with any of them.
Which ZIP codes are in Tracy?
These are the ZIP codes we see on active Tracy listings. Redfin did not publish a matching ZIP-level sale row for the same period, so we are not ranking them by price here — each ZIP page shows exactly what we hold for it.
Tracy housing market FAQ
Is Tracy a buyer's or seller's market?
Tracy, CA is currently a seller's market. That read comes from 3.1 months of supply, homes going under contract in about 23 days, and sellers getting 100.3% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Tracy?
The typical home in Tracy, CA is worth $679,447 (Zillow Home Value Index, July 2026). The median sale price in the last month Redfin published was $682,500, about $343 per square foot.
Is Tracy cheaper than the rest of California?
Tracy's median sale price of $682,500 is 23% lower than the California statewide median of $887,400, and 66% above the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Tracy?
Homes in Tracy, CA spent a median of 23 days on market before going under contract, versus 33 days statewide. That is a normal pace: enough time to see a home twice, not enough to wait a month. (Redfin, through May 2026.)
What income do you need to buy a home in Tracy?
At the current 30-year fixed rate of 6.66%, 20% down on a $679,447 home is about $3,493 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $149,702 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $118,253.
Are home prices rising in Tracy?
The typical home value in Tracy, CA fell 5.4% over the last 12 months, from $718,487 to $679,447 (Zillow, July 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Tracy?
Tracy ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Tracy?
That depends on your timeline, not on a headline. What the data says today: Tracy, CA is a seller's market with 3.1 months of supply, the 30-year fixed rate is 6.66%, and the price-to-rent ratio of 20.6x means renting tends to be the cheaper monthly option unless you stay long enough for appreciation to close the gap. Properties Incorporated publishes the data; it does not give financial advice.
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