Rent in Tracy, CA
Across Tracy's 5 ZIP codes, a 2-bedroom typically rents for about $2,740 a month, with figures from $1,874–$3,020. The highest typical rent is in 95391 ($3,020) and the lowest in 95378 ($2,020). Owner-occupied homes in San Joaquin County pay about 0.75% of their value a year in property tax, and the 30-year fixed mortgage rate averaged 7.24% in the week of Oct 29, 2026.
Rent by bedrooms
| Size | Typical | Range across ZIPs | ZIPs |
|---|---|---|---|
| Studio | $2,180 | $1,525–$2,290 | 5 |
| 1 bed | $2,230 | $1,628–$2,612 | 5 |
| 2 beds | $2,740 | $1,874–$3,020 | 5 |
| 3 beds | $3,026 | $2,062–$4,180 | 5 |
| 4 beds | $4,056 | $2,840–$5,050 | 5 |
Typical = median of each ZIP's best guess. Gross rent (rent plus tenant-paid utilities). Sources: HUD Small Area Fair Market Rents (Oct 1, 2026), Census ACS 5-year median gross rent (Dec 31, 2024) and HUD county Fair Market Rents (Oct 1, 2026).
Tracy ZIP codes
2 bedsFrequently asked questions
- What is the average rent for a 2-bedroom in Tracy, CA?
- About $2,740 a month: the median of the typical rents in 5 ZIP codes, which range from $1,874–$3,020. Figures are gross rent (rent plus tenant-paid utilities).
- What is the average rent for a 1-bedroom in Tracy, CA?
- About $2,230 a month: the median of the typical rents in 5 ZIP codes, which range from $1,628–$2,612. Figures are gross rent (rent plus tenant-paid utilities).
- What is the average rent for a 3-bedroom in Tracy, CA?
- About $3,026 a month: the median of the typical rents in 5 ZIP codes, which range from $2,062–$4,180. Figures are gross rent (rent plus tenant-paid utilities).
- What is the average rent for a studio in Tracy, CA?
- About $2,180 a month: the median of the typical rents in 5 ZIP codes, which range from $1,525–$2,290. Figures are gross rent (rent plus tenant-paid utilities).
- What is the average rent for a 4-bedroom in Tracy, CA?
- About $4,056 a month: the median of the typical rents in 5 ZIP codes, which range from $2,840–$5,050. Figures are gross rent (rent plus tenant-paid utilities).
- Which Tracy ZIP code has the highest rent?
- For a 2-bedroom, 95391 has the highest typical rent at $3,020 a month, and 95378 the lowest at $2,020.
- What is the property tax rate in Tracy, CA?
- Owner-occupied homes in San Joaquin County pay a typical 0.75% of their value a year (Census ACS, median taxes paid ÷ median home value, Dec 31, 2024). Investors often pay more after a purchase: the home is reassessed at the sale price and there is no homestead exemption.
- What is the current 30-year mortgage rate?
- The 30-year fixed rate averaged 7.24% in the week of Oct 29, 2026 (Freddie Mac PMMS via FRED). It's a national average for owner-occupied loans; investment property loans usually cost more.
- Where do these Tracy rent figures come from?
- HUD Small Area Fair Market Rents (Oct 1, 2026), Census ACS 5-year median gross rent (Dec 31, 2024) and HUD county Fair Market Rents (Oct 1, 2026).