Tracy, California Income Statistics
Tracy Wealth Score
The wealth index reflects the overall economic prosperity and financial well-being of an area's residents based on income levels, employment rates, and income inequality metrics.
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B
Tracy Around average
Source: Map AI Methodology
Income Statistics Overview
| Metric | Tracy | California Avg | US Average |
|---|---|---|---|
| Median Household Income | $118,725 | $99,161 | $80,455 |
| Median Personal Income | $68,611 | $67,742 | $60,758 |
| Average Yearly Income Growth | 5.5% | 5.6% | 4.8% |
| Six-Figure Earners | 15.9% | 17.6% | 13.9% |
| $200k+ Households | 18.2% | 20.5% | 13.2% |
The median household income in Tracy is about 20% higher than in California. Income has been growing slower in Tracy (5.5%/yr) than in California (5.6%/yr).
About 16% of adults in Tracy earn six figures ($100,000 or more) a year, lower than the California average of 18%.
Median Household Income 2009–2024 Trend
Median Household Income Over Time
Median household income in Tracy, California grew by 61.0% from 2009 to 2024, reaching $118,725 in 2024. That's an average of about 5.5% per year.
Tracy has been far above the U.S. median household income in every year from 2009 to 2024. Even at its closest, in 2014, its income was 34% higher. The gap has widened from 44% in 2009 to 48% in 2024.
Income Distribution in Tracy
How incomes are spread across brackets, compared with the U.S. Pick a range to count who falls in it.
Households by income, 2024
Income range calculator
About 15,353 households (60.5% of all households) have an income of $100,000 or more.
Across the U.S.: 40.2% of all households.
In 2024, 10.2% of households in Tracy had an income under $35,000 and 36.1% had $150,000 or more. Across the U.S., those shares were 21.6% and 22.8%.
Compared with the U.S., Tracy has a larger share of households earning $150,000 to $199,999 (17.9% vs 9.5%) and a smaller share earning $50,000 to $74,999 (11.0% vs 15.5%).
| Household income | Households | Share | U.S. share |
|---|---|---|---|
| Under $10,000 | 643 | 2.5% | 5.1% |
| $10,000 to $14,999 | 442 | 1.7% | 3.5% |
| $15,000 to $24,999 | 734 | 2.9% | 6.4% |
| $25,000 to $34,999 | 775 | 3.1% | 6.7% |
| $35,000 to $49,999 | 1,492 | 5.9% | 10.1% |
| $50,000 to $74,999 | 2,783 | 11.0% | 15.5% |
| $75,000 to $99,999 | 3,141 | 12.4% | 12.6% |
| $100,000 to $149,999 | 6,197 | 24.4% | 17.4% |
| $150,000 to $199,999 | 4,544 | 17.9% | 9.5% |
| $200,000 or more | 4,611 | 18.2% | 13.2% |
Shares are of all 25,364 households, one per occupied home whatever its size. Households with zero or negative income are counted in the lowest bracket. Source: ACS 5-year estimates ending 2024 (table B19001).
Residents 15+ by personal income, 2024
Income range calculator
About 10,567 residents (15.9% of residents aged 15 and over) have a personal income of $100,000 or more.
Across the U.S.: 13.9% of residents aged 15 and over.
That is 19.3% of residents who have any income.
In 2024, 17.6% of Tracy residents aged 15 and over reported no personal income, 22.8% had some income but less than $25,000, and 25.6% had $75,000 or more. Across the U.S., those shares were 12.8%, 28.7% and 22.0%.
Compared with the U.S., Tracy has a larger share of residents with no personal income (17.6% vs 12.8%) and a smaller share earning $15,000 to $24,999 (7.8% vs 10.5%).
| Personal income | Residents | Share | U.S. share |
|---|---|---|---|
| No income | 11,726 | 17.6% | 12.8% |
| $1 to $9,999 | 6,003 | 9.0% | 11.2% |
| $10,000 to $14,999 | 3,926 | 5.9% | 7.0% |
| $15,000 to $24,999 | 5,204 | 7.8% | 10.5% |
| $25,000 to $34,999 | 5,303 | 8.0% | 9.5% |
| $35,000 to $49,999 | 7,490 | 11.3% | 12.6% |
| $50,000 to $74,999 | 9,764 | 14.7% | 14.3% |
| $75,000 to $99,999 | 6,464 | 9.7% | 8.2% |
| $100,000 or more | 10,567 | 15.9% | 13.9% |
Shares are of the 66,446 residents aged 15 and over, the only people the Census Bureau asks about income, and include those who reported none. A share of the whole population would count children as people without income, while a share of earners alone would hide the 17.6% with no income; the calculator adds that second share whenever your range leaves out people with no income. Source: ACS 5-year estimates ending 2024 (table B19325).
Income Inequality and the Gender Pay Gap in Tracy
| Metric | Tracy | California Avg | US Average |
|---|---|---|---|
| Gini Coefficient | 0.560 | 0.572 | 0.552 |
| Male Median Income | $83,570 | $75,172 | $69,667 |
| Female Median Income | $64,577 | $66,071 | $56,850 |
| Gender Pay Gap | 22.7% | 12.1% | 18.4% |
The Gini coefficient measures how evenly income is shared between richer and poorer households, from 0 (everyone earns the same) to 1 (one household earns nearly everything). The lower the number, the more equally income is distributed. In Tracy, it is 0.560, lower than California's 0.572, so income is more evenly distributed here than there, and higher than the US's 0.552, so income is less evenly distributed here than there.
Men's income is about 29% more than women's income in Tracy, California. Over a 35-year career, a 29% wage gap accumulates to roughly $664,755 in unearned income for female workers in the area.
Income by Sex Over Time
Since 2009, the income gap between men and women in Tracy, California has widened from about 21% to 23% in 2024. Over that period the gap was widest at 26% in 2022, and was narrowest at 19% in 2010. In dollar terms, the gap has widened by $7,190 since 2009.
Sharply against the trend: the pay gap in Tracy widened by 1.8 points while California's narrowed by 4.3 points.
Employment
| Metric | Tracy | California Avg | US Average |
|---|---|---|---|
| Unemployment Rate | 5.7% | 6.6% | 5.2% |
| Working from Home | 13.5% | 17.2% | 15.0% |
| Commute time (minutes) | 33 | 23 | 22 |
Approximately 2,482 people are unemployed in Tracy, California.
The average commute time in Tracy is 33 minutes, longer than the 23 minutes in California.
Unemployment Rate Over Time
Since 2011, the unemployment rate in Tracy, California has fallen from 13.9% to 5.7% in 2024. Over that period the rate peaked at 14.8% in 2012 and fell as low as 4.7% in 2021.
Tracy has been above the U.S. unemployment rate in most years since 2011, but dipped below it in 2020-2022 (as much as 0.8 points lower). In 2024 its rate was 0.4 points higher.
Tracy, CA Wealth Compared With Nearby Cities
How Tracy, CA compares with the 2 cities closest to it.
| Area | Population | Median household income | Income growthAverage yearly change in median household income since 2016. Each year is measured in its own dollars, so this is growth before inflation. | Unemployment | Income inequalityGini coefficient: 0 would mean every household earns the same, 1 that a single household earns everything. The lower the number, the more equally income is shared here. |
|---|---|---|---|---|---|
| Tracy, CA | 85,045 | $118,725 #1/3 | 5.5%/yr #2/3 | 5.7% #1/3 | 0.560 #1/3 |
| Lathrop, CA | 27,462 | $113,670 | 6.6%/yr | 8.3% | 0.590 |
| Manteca, CA | 70,217 | $92,263 | 5.3%/yr | 6.6% | 0.575 |
Conclusion
Considering all these factors, Tracy, California has an overall wealth index grade of B, making it somewhat better than California, and somewhat better than the country as a whole.
Frequently Asked Questions
Common questions about income and wealth in Tracy, California.
How Rich Is Tracy, California?
Tracy has a wealth index grade of B. The wealth index grades areas from A+ (best) to F- by combining income levels, employment rates, and income inequality; a B grade means residents are quite well off compared to the U.S. average. The median household income is $118,725, about 20% higher than the California average of $99,161.
How has median household income changed in Tracy, California?
Between 2009 and 2024, the median household income in Tracy, California rose 61%, from $73,761 to $118,725. Over the same years, income here lagged behind California as a whole: +61% against +64%.
What was the median household income in Tracy in 2023?
In 2023, the median household income in Tracy, California was $117,831, up 4% from $113,328 in 2022. The California median that year was $96,718.
What was the median household income in Tracy in 2020?
In 2020, the median household income in Tracy, California was $94,446. By 2024 it had risen 26% to $118,725.
What is the Gini coefficient in Tracy, California?
The Gini coefficient in Tracy is 0.560. It measures income inequality on a scale from 0 (everyone earns the same) to 1 (one household earns everything). That is higher than the US average of 0.552, so income is distributed less equally than in the country overall.
How has the income gap between men and women changed in Tracy, California?
Since 2009, the income gap between men and women in Tracy, California has widened from about 21% to 23% in 2024. Over that period the gap was widest at 26% in 2022, and was narrowest at 19% in 2010. In dollar terms, the gap has widened by $7,190 since 2009.
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