College Costs in Tracy, CA 2026
Compare tuition, housing, and financial aid across 4 colleges in Tracy, California. Use our free calculator to estimate your total cost.
Avg Public Tuition
$14,500
per year
Avg Private Tuition
$42,000
per year
Avg Rent Near Campus
$2,208
per month
Colleges & Universities
4
institutions
Tracy Overview
Population
93,000
Student Population
6,100 (6.6%)
Cost of Living Index
156 (avg: 100)
Walk Score
45/100
Transit Score
28/100
Unemployment Rate
5.5%
College Cost Calculator for Tracy
Cost Inputs
Total Cost (4 Years, Public In-State)
$127,804
Total After Financial Aid
$127,804
Annual Cost
$31,951
Annual After Aid
$31,951
Cost Breakdown (4 Years)
If Financed (10-Year Loan at 6.5%)
| Loan Amount | $127,804 |
| Monthly Payment | $1,451 |
| Total Interest | $46,339 |
| Total Loan Cost | $174,143 |
Universities in Tracy
| University | Type | Annual Tuition |
|---|---|---|
| Tracy State University | Public | $13,611 |
| Tracy Community College | Community | $6,629 |
Tracy has 4 total colleges and universities. Tuition figures are approximate annual in-state rates for the 2025-2026 academic year.
Cost of Living in Tracy vs. National Average
| Category | Tracy | National Avg | Difference |
|---|---|---|---|
| Public Tuition (In-State) | $14,500 | $10,940 | +$3,560 |
| Monthly Rent Near Campus | $2,208 | $1,050 | +$1,158 |
| Cost of Living Index | 156 | 100 | +56 |
Tracy's cost of living is above the national average. Students should budget accordingly and consider off-campus housing options to reduce expenses.
Student Life in Tracy
Walk Score
Car-Dependent
Transit Score
Minimal Transit
Student Population
6,100 students
Tracy has a total population of 93,000, with approximately 6,100 college students (6.6% of the population). While not primarily a college town, Tracy offers students access to urban amenities, diverse employment opportunities, and a wide range of cultural experiences.
Post-Graduation Outlook in Tracy
$46,386
Starting Salary
5.5%
Unemployment Rate
67%
Graduation Rate
~11 yrs
ROI Payback Period
Return on Investment Analysis
Graduates from colleges in Tracy earn a median starting salary of $46,386, which is $11,386 more per year than the average high school graduate salary of $35,000. At a 4-year public university cost of $127,804 (including room and board), it would take approximately 11 years of the salary premium to recoup the investment. With average financial aid of $10,317 per student per year, the net cost and payback period can be significantly reduced.
Other Cities in California
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95 colleges · Avg tuition $7,852
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22 colleges · Avg tuition $7,266
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37 colleges · Avg tuition $7,302
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38 colleges · Avg tuition $7,488
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14 colleges · Avg tuition $4,169
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13 colleges · Avg tuition $11,404
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18 colleges · Avg tuition $7,309
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19 colleges · Avg tuition $6,920
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27 colleges · Avg tuition $11,231
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20 colleges · Avg tuition $14,169
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