2025 Compare Cities Cost of Living:
Tracy, CA vs Santa Cruz, CA

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Highlights
Is it cheaper to live in Santa Cruz or is it cheaper to live in Tracy?
- Santa Cruz is 49.2% more expensive than Tracy.

Which city has more affordable housing, Santa Cruz or Tracy?
- Santa Cruz housing costs are 83.2% more expensive than Tracy housing costs.

Is Health Care more affordable in Tracy or is Health Care more affordable in Santa Cruz.
- Health related expenses are 8.4% more in Santa Cruz.
 Tracy, CASanta Cruz, CAUnited States
 Overall  Unlock186.0100
 Food & Groceries107.2  Unlock100
 Health  Unlock109.2100
 Housing229.7  Unlock100
 Median Home Cost  Unlock$1,270,800$338,100
 Utilities110  Unlock100
 Transportation  Unlock110.5100
 Miscellaneous111.7  Unlock100
100 = National Average (Below 100 means cheaper than the US average. Above 100 means more expensive.)
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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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Reviews for Santa Cruz    44 Reviews

I lived in the Santa Cruz area for 20 years. UCSC alum. Our kids were born there. There are wonderful things about Santa Cruz, but also many serious problems that we  More

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Over 5 years ago

I have been here for four generations! My kids are the fifth. I guess that should tell you how wonderful it is here, at least for us. It's so cool to have world class  More

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I was born over the hill in San Jose area, and as a kid I loved coming over to the boardwalk. Santa Cruz has always been and always will be a town of diversity,  More

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