HomeCaliforniaSan Joaquin CountyTracy city
Tracy city, California: commercial real estate data.
Tracy city 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.
82 sourced place values · tier FULL · 9 sections · 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$1,379,000
- Largest approval$5,000,000
- Jobs supported1,382
- Jobs per approval11.1
- Loans with a final outcome16
- Paid in full15
- Charged off1
- Charge-off rate over resolved loans6.3 percent
- 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
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
- Charge-off rate over resolved loans0.0 percent
- Median term240 months
- Distinct CDCs10
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Tracy
Flood risk in Tracy
- Listed NFIP communities1
- Of those, participating1
- NFIP community number060303
- Currently effective map date10/16/09
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
San Joaquin County, not Tracy
San Joaquin County context, not Tracy figures
These are San Joaquin County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Tracy measurements.
- Establishments in San Joaquin County13,638
- Employment at those establishments, San Joaquin County232,910
- Covered employment, San Joaquin County287,828
- Average annual pay, San Joaquin County$63,300
- Average weekly wage, San Joaquin County$1,217
- Housing units permitted, San Joaquin County3,779
- Of those, single family, San Joaquin County3,773
- County product, 2024, San Joaquin County$46,521,159,000
- County product change over the prior year, San Joaquin County8.3 percent
- Average income of an arriving household, San Joaquin County$87,006
Every figure in this section is published for San Joaquin County as a whole and is not a measurement of Tracy. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
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 totalling $78.1 m, across 40 lenders, median approval $150,000, plus 47 504 approvals worth $54.8 m. 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?
Of the 16 loans that have reached a final outcome, 15 were paid in full and 1 charged off, a charge off rate of 6.3 percent. Loans still running are excluded because they have not yet succeeded or failed.
Is Tracy in the National Flood Insurance Program?
Yes. Tracy appears in the FEMA Community Status Book as 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 labelled 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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