Los Gatos, CA vs Tracy, CA

The cost of living difference between Los Gatos, CA and Tracy, CA is dramatic. Tracy is 81.5% cheaper than Los Gatos, a gap that translates to thousands of dollars per year in household expenses. Los Gatos has a cost index of 294 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 Los Gatos is $2,969/month compared to $2,325/month in Tracy — a 28% difference. Home values follow the same pattern: Tracy is more affordable at $653,900 median vs $2,000,001.

Median household income in Los Gatos is $207,891 compared to $118,253 in Tracy (+75.8%). The higher salaries in Los Gatos partially offset the cost difference, but don't fully close the gap. Looking at affordability, residents of Los Gatos spend roughly 17.1% of their income on rent, less than the 23.6% in Tracy.

Climate-wise, both cities share similar average temperatures (60.7°F vs 63°F). Tracy receives more rainfall at 13.5" per year compared to 13.5" in Los Gatos.