Fremont, CA vs Tracy, CA

The cost of living difference between Fremont, CA and Tracy, CA is dramatic. Tracy is 45.2% cheaper than Fremont, a gap that translates to thousands of dollars per year in household expenses. Fremont has a cost index of 235 while Tracy sits at 162, making this one of the more striking comparisons on our site. Relocating between these cities would require a serious reassessment of budget and lifestyle expectations.

On the housing front, median rent in Fremont is $2,905/month compared to $2,325/month in Tracy — a 25% difference. Home values follow the same pattern: Tracy is more affordable at $653,900 median vs $1,289,400.

Median household income in Fremont is $176,350 compared to $118,253 in Tracy (+49.1%). While Fremont is more expensive, its higher salaries more than compensate — residents there may actually end up with more disposable income. Looking at affordability, residents of Fremont spend roughly 19.8% of their income on rent, less than the 23.6% in Tracy.

Climate-wise, Tracy is notably warmer with an average of 63°F compared to 59.9°F in Fremont. Tracy receives more rainfall at 13.5" per year compared to 13.5" in Fremont.