Salary & Cost of Living in Tracy, CA
Tracy, CA: $71,037 median salary, cost of living index 156, $16.00/hr minimum wage. Calculate your take-home pay with our free paycheck calculator.
Median Salary
$71,037
$34/hr
Cost of Living
156
US avg = 100
Minimum Wage
$16.00
per hour
Unemployment
4.1%
rate
Tracy, CA Overview
Population
93,000
Median Salary
$71,037
Average Salary
$79,561
Avg Commute
18 min
Median Home Price
$736,000
Median Rent
$2,991/mo
Job Growth
+2.6%
Sales Tax
7.25%
Tracy is located in California with a population of 93,000. The median household salary is $71,037 per year ($34/hour), which is $11,653 above the national median of $59,384. The average commute time is 18 minutes, and the city has a job growth rate of +2.6%.
Tracy Salary by Experience Level (2026)
Wage distribution in Tracy, CA based on BLS percentile breakdown of the $71,037 median salary. Entry-level represents 10th–25th percentile; mid-level is the median; senior-level represents 75th–90th percentile.
| Experience Level | Annual Salary | Hourly Wage | Years Exp |
|---|---|---|---|
| Entry-Level | $44,043 | $21.17/hr | 0–2 years |
| Mid-Level (Median) | $71,037 | $34.15/hr | 3–7 years |
| Senior-Level | $100,873 | $48.49/hr | 8–15 years |
| Top 10% (90th Percentile) | $126,446 | $60.79/hr | 15+ years / leadership |
Percentile multipliers (62%, 100%, 142%, 178%) derived from 2024 BLS Occupational Employment and Wage Statistics distribution across all occupations in metro areas. Specific roles vary; see jobs by city for role-specific data.
Tracy Paycheck Calculator
Enter your annual salary to see your estimated take-home pay in Tracy, CA, after federal, state, and local taxes.
Estimated Annual Take-Home Pay
$51,754
$4,312.84/month · $1,990.54/biweekly · Effective Rate: 27.1%
Gross Pay
$71,037
Federal Tax
-$7,242
State Tax
-$6,606
Local Tax
$0
FICA
-$5,434
Net Pay
$51,754
Pay Breakdown
| Item | Monthly | Annual |
|---|---|---|
| Gross Salary | $5,919.75 | $71,037.00 |
| Federal Income Tax | -$603.51 | -$7,242.14 |
| California State Tax (9.3%) | -$550.54 | -$6,606.44 |
| Social Security (6.2%) | -$367.02 | -$4,404.29 |
| Medicare (1.45%) | -$85.84 | -$1,030.04 |
| Net Take-Home Pay | $4,312.84 | $51,754.09 |
Salary Comparison: Tracy vs Other Cities
See how Tracy's median salary and cost of living compare to the national average and similar cities.
| City | Median Salary | COL Index | Adj. Salary |
|---|---|---|---|
| Tracy, CA | $71,037 | 156 | $45,537 |
| National Average | $59,384 | 100 | $59,384 |
| Ramapo, NY | $71,075 | 146.3 | $48,582 |
| Centreville, VA | $70,992 | 108 | $65,733 |
| Vernon, CT | $70,966 | 107.6 | $65,954 |
| Hamilton Township, NJ | $70,941 | 122.8 | $57,770 |
Adjusted salary reflects purchasing power when cost of living is factored in. A higher adjusted salary means your money goes further.
Cost of Living in Tracy
Tracy's cost of living index is 156 (national average = 100). Living in Tracy is 56% more expensive than the national average.
Median Home Price
$736,000
Median Monthly Rent
$2,991
Annual Rent Cost
$35,892
Your Salary's Purchasing Power
Your $51,754 annual take-home pay in Tracy has the purchasing power of approximately $33,176 in an average-cost US area. You would need to earn $110,818 in Tracy to match a $71,037 salary in an average-cost city.
Top Industries in Tracy
Tracy's economy is driven by these key industries. Workers in top industries often earn significantly above the median salary of $71,037.
Salary Tips for Tracy Workers
- Negotiate for cost of living. Tracy has a cost of living 56% above the national average. When negotiating salary, factor in the higher housing and living costs to ensure your real purchasing power stays competitive.
- Maximize pre-tax deductions. With a 9.3% state income tax rate, maximizing 401(k) contributions (up to $24,500 in 2026) and HSA contributions can significantly reduce both your federal and state tax burden.
- Research top industries. Tracy's top industries include Technology, Entertainment, Agriculture. Targeting roles in these sectors can help you earn above the $71,037 median salary.
- Review your W-4 withholding. If you regularly receive large tax refunds, adjust your W-4 to increase your per-paycheck take-home pay instead of giving the government an interest-free loan.
Explore Salaries Across the US
Compare salary data and cost of living for hundreds of US cities. Find out where your paycheck goes the furthest.
Related Salary Tools
Frequently Asked Questions
What is the median salary in Tracy, CA?
The median salary in Tracy, CA is $71,037 per year, or $34 per hour. The average salary is $79,561. This is $11,653 above the national median of $59,384.
What is the cost of living in Tracy, CA?
Tracy's cost of living index is 156 (national average = 100), meaning it is 56% more expensive compared to the national average. The median home price is $736,000 and the median monthly rent is $2,991.
What are the best industries in Tracy?
The top industries in Tracy, CA include Technology, Entertainment, Agriculture. The city has a job growth rate of 2.6% and an unemployment rate of 4.1%. Workers in these industries often earn above the city's median salary of $71,037.
How does Tracy's salary compare to other cities?
Tracy's median salary of $71,037 is 19.6% above the national median of $59,384. However, when adjusted for cost of living (index: 156), the real purchasing power is approximately $45,537.
What is the minimum wage in Tracy, CA?
The minimum wage in Tracy, CA is $16.00 per hour. This equals approximately $33,280 per year for a full-time worker (40 hours/week). This is $8.75 above the federal minimum wage of $7.25/hour.