2025 Compare Cities Cost of Living:
Half Moon Bay, CA vs Tracy, CA

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Highlights
Is it cheaper to live in Tracy or is it cheaper to live in Half Moon Bay?
- Tracy is 50.1% less expensive than Half Moon Bay.

Which city has more affordable housing, Tracy or Half Moon Bay?
- Tracy housing costs are 54.5% less expensive than Half Moon Bay housing costs.

Is Health Care more affordable in Half Moon Bay or is Health Care more affordable in Tracy.
- Health related expenses are 14.2% less in Tracy.
 Half Moon Bay, CATracy, CAUnited States
 Overall  Unlock124.7100
 Food & Groceries114.8  Unlock100
 Health  Unlock100.7100
 Housing504.7  Unlock100
 Median Home Cost  Unlock$752,800$338,100
 Utilities88  Unlock100
 Transportation  Unlock125.9100
 Miscellaneous161.9  Unlock100
100 = National Average (Below 100 means cheaper than the US average. Above 100 means more expensive.)
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Reviews for Half Moon Bay    3 Reviews

HMB has one of the best climates in the world. It also has some very good restaurants. You have the ocean on one side and scenic foothills to the east.It would be heaven  More

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Over 19 years ago

Rural coastal living in a great community close to San Francisco and Silicon  More

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Over 20 years ago

I lived in HMB for 17 years and loved (almost) every minute there. Beautiful hills to the east of the town and the Pacific ocean to the west. Close to San Francisco,  More

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Reviews for Tracy    18 Reviews

Native born and raised in Tracy. I've seen it go from a small community of 12,000 to almost 100,000 in 50 years. The growth has not been for the better IMO. It has  More

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I was raised in Tracy and over the last 60+ years, it has gone from a small town of about 9,000 to almost 100,000. The changes have not all been good. It was a good  More

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I have been living here for 4 years and I can’t wait to move out of here. Tracy is a place very very very dusty.. it can be just one week and you have to wipe out  More

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