HomeCaliforniaSan Joaquin CountyTracy
Tracy, California: commercial real estate data.
Tracy is a Census city of 96,966 people across 26.34 square miles of land, in San Joaquin County. Median household income is $121,119, 65.0 percent of occupied homes are owned, and the SBA record carries 125 7(a) approvals to borrowers here worth $78.1 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Tracy
What Tracy is
- Census place typecity
- Land area26.34 sq mi
- Water area0.14 sq mi
- Population per square mile of land3,682
- County holding the largest share of its areaSan Joaquin County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Tracy
How many people live in Tracy
- Population96,966
- Median age35.6
- Population under 1825,722
- Share under 1826.5 percent
- Population 65 and over10,957
- Share 65 and over11.3 percent
- Households28,920
- Family households23,157
- Share of households that are families80.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Tracy
Income and work in Tracy
- Median household income$121,119
- Per capita income$44,086
- Civilian labor force49,717
- Employed46,982
- Unemployed2,735
- Unemployment rate5.5 percent
- Adults 25 and over62,669
- Adults 25 and over with a high school diploma or higher83.9 percent
- Adults 25 and over with a bachelor degree or higher28.5 percent
- Adults 25 and over with a graduate degree8.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Tracy
Housing in Tracy
- Housing units30,228
- Occupied units28,920
- Vacant units1,308 plus or minus 352
- Vacancy rate4.3 percent plus or minus 1.2
- Owner occupied18,786
- Renter occupied10,134
- Ownership rate65.0 percent
- Median owner-occupied home value$699,000
- Median gross rent, monthly$2,478
- Annual rent as a share of median income24.6 percent
- Single family units25,758
- Share single family85.2 percent
- Units in buildings of two or more4,199
- Share in buildings of two or more13.9 percent
- Mobile homes252 plus or minus 115
- Median year structure built1995
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Tracy
How Tracy gets to work
- Workers 16 and over who commute38,583
- Commuting under 15 minutes8,918
- Share commuting under 15 minutes23.1 percent
- Commuting 30 minutes or more22,868
- Share commuting 30 minutes or more59.3 percent
- Drove alone67.9 percent
- Carpooled12.8 percent
- Public transport1.4 percent plus or minus 0.5
- Walked1.3 percent plus or minus 0.6
- Worked from home14.7 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Tracy
SBA loans in Tracy (7(a))
- Approvals125
- Gross approval$78,149,200
- Average approval$625,194
- Median approval$150,000
- Ninetieth percentile approval$1,369,800
- Largest approval$5,000,000
- Jobs supported1,382
- Jobs per approval11.1
- Loans with a final outcome16
- Paid in full15
- Charged off1
- Median term120 months
- Share on real estate terms of 20 years or more28.0 percent
- Share to franchises12.0 percent
- Distinct lenders40
- Distinct industries by NAICS79
Counted by borrower city: approvals to borrowers whose address is in Tracy, in any county, FY2020 to FY2026. Only 16 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Tracy
SBA loans in Tracy (504)
- Approvals47
- Gross approval$54,803,000
- Average approval$1,166,021
- Median approval$669,000
- Largest approval$5,000,000
- Jobs supported542
- Loans with a final outcome14
- Charged off0
- Median term240 months
- Distinct CDCs10
Counted by borrower city: approvals to borrowers whose address is in Tracy, in any county, FY2010 to FY2026. Only 14 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Tracy
Flood risk in Tracy
- NFIP communityCity of Tracy
- NFIP community number060303
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date10/16/09
The City of Tracy participates in the National Flood Insurance Program as community 060303 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
San Joaquin County, not Tracy
San Joaquin County context, not Tracy figures
- Establishments in San Joaquin County13,638
- Covered employment, San Joaquin County287,828
- Average annual pay, San Joaquin County$63,300
- Housing units permitted, San Joaquin County3,779
Every figure in this section is published for San Joaquin County as a whole and is not a measurement of Tracy.
All San Joaquin County figures →
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Tracy questions, answered from the record.
How many people live in Tracy, California?
96,966, in 28,920 households. Tracy city covers 26.34 square miles of land, which is 3,682 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Tracy in?
San Joaquin County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Tracy?
$121,119. The median owner-occupied home is valued at $699,000. Median gross rent is $2,478 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Tracy businesses?
125 7(a) approvals totaling $78.1 m since FY2020, across 40 lenders, median approval $150,000, plus 47 504 approvals worth $54.8 m since FY2010. These count approvals to borrowers whose address is in Tracy, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Tracy borrowers get paid back?
No rate is published for Tracy. Only 16 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Tracy in the National Flood Insurance Program?
Yes. Tracy appears in the FEMA Community Status Book as Tracy, city of, community 060303, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Tracy figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for San Joaquin County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Tracy.
Is zoning published for Tracy?
No. Nothing on this page presents parcel level zoning.
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