Fair Oaks, CA vs Tracy, CA

Fair Oaks is moderately more affordable than Tracy, with a 10% lower cost of living index. Fair Oaks scores 146 compared to 162 for Tracy, where the US average is 100. This difference means residents of Tracy can expect to pay noticeably more for everyday expenses, housing, and services.

On the housing front, median rent in Fair Oaks is $1,797/month compared to $2,325/month in Tracy — a 23% difference. Home values follow the same pattern: Fair Oaks is more affordable at $645,600 median vs $653,900.

Median household income in Fair Oaks is $111,332 compared to $118,253 in Tracy (-5.9%). The higher salaries in Tracy partially offset the cost difference, but don't fully close the gap. Looking at affordability, residents of Fair Oaks spend roughly 19.4% of their income on rent, less than the 23.6% in Tracy.

Climate-wise, both cities share similar average temperatures (63.4°F vs 63°F). Fair Oaks receives more rainfall at 19.2" per year compared to 13.5" in Tracy.