HomeMinnesotaLyon CountyTracy city
Tracy city, Minnesota: commercial real estate data.
Tracy city is a Census city of 2,057 people across 2.40 square miles of land, in Lyon County. Median household income is $67,788, 79.9 percent of occupied homes are owned, and the SBA record carries 5 7(a) approvals to borrowers here worth $1.5 m.
76 sourced place values · tier FULL · 8 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Tracy
What Tracy is
- Census place typecity
- Land area2.4 sq mi
- Water area0.05 sq mi
- Population per square mile of land859
- County holding the largest share of its areaLyon 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
- Population2,057
- Median age41.2 plus or minus 9.0
- Population under 18509 plus or minus 165
- Share under 1824.7 percent plus or minus 7.2
- Population 65 and over401 plus or minus 88
- Share 65 and over19.5 percent
- Households756
- Family households475 plus or minus 100
- Share of households that are families62.8 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$67,788 plus or minus $14,559
- Per capita income$28,054
- Civilian labor force1,012
- Employed1,006
- Unemployed6 plus or minus 9
- Unemployment rate0.6 percent plus or minus 0.9
- Adults 25 and over1,316
- Adults 25 and over with a high school diploma or higher88.2 percent
- Adults 25 and over with a bachelor degree or higher15.1 percent plus or minus 5.8
- Adults 25 and over with a graduate degree3.4 percent plus or minus 1.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Tracy
Housing in Tracy
- Housing units897
- Occupied units756
- Vacant units141 plus or minus 54
- Vacancy rate15.7 percent plus or minus 5.8
- Owner occupied604
- Renter occupied152 plus or minus 54
- Ownership rate79.9 percent
- Median owner-occupied home value$113,400
- Median gross rent, monthly$697 plus or minus $225
- Annual rent as a share of median income12.3 percent plus or minus 4.8
- Single family units714
- Share single family79.6 percent
- Units in buildings of two or more85 plus or minus 45
- Share in buildings of two or more9.5 percent plus or minus 4.9
- Mobile homes98 plus or minus 71
- Median year structure built1961
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 commute881
- Commuting under 15 minutes372 plus or minus 100
- Share commuting under 15 minutes42.2 percent
- Commuting 30 minutes or more315 plus or minus 102
- Share commuting 30 minutes or more35.8 percent plus or minus 9.4
- Drove alone77.4 percent
- Carpooled10.0 percent plus or minus 5.9
- Public transport0.0 percent
- Walked1.9 percent plus or minus 1.9
- Worked from home10.0 percent plus or minus 7.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Tracy
SBA loans in Tracy (7(a))
- Approvals5
- Gross approval$1,547,600
- Average approval$309,520
- Median approval$75,000
- Ninetieth percentile approval$1,267,600
- Largest approval$1,267,600
- Jobs supported21
- Jobs per approval4.2
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders3
- Distinct industries by NAICS3
A charge-off rate is not published here. only 2 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
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)
- Approvals1
- Gross approval$207,000
- Average approval$207,000
- Median approval$207,000
- Largest approval$207,000
- Jobs supported3
- Loans with a final outcome0
- Charged off0
- Median term240 months
- Distinct CDCs1
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Lyon County, not Tracy
Lyon County context, not Tracy figures
These are Lyon 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 Lyon County814
- Employment at those establishments, Lyon County12,732
- Covered employment, Lyon County13,763
- Average annual pay, Lyon County$52,859
- Average weekly wage, Lyon County$1,017
- Housing units permitted, Lyon County92
- Of those, single family, Lyon County20
- County product, 2024, Lyon County$2,099,962,000
- County product change over the prior year, Lyon County5.4 percent
- Average income of an arriving household, Lyon County$47,981
Every figure in this section is published for Lyon 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.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- 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, Minnesota?
2,057, in 756 households. Tracy city covers 2.40 square miles of land, which is 859 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?
Lyon 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?
$67,788. The median owner-occupied home is valued at $113,400. Median gross rent is $697 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?
5 7(a) approvals totalling $1.5 m, across 3 lenders, median approval $75,000, plus 1 504 approvals worth $207,000. 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 2 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
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 Lyon 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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