Tracy vs Westminster
The short version
- Tracy is cheaper overall: prices in its metro run 7% lower than in the Westminster area (BEA 2024).
- The median home costs $699,000 in Tracy and $858,300 in Westminster.
- Households earn more in Tracy ($121,119 vs $85,541 median).
- Westminster has the warmer winter: January highs of 69°F vs 56°F.
- Tracy has more scorching days: 82 a year at 90°F or hotter vs 39.
- Tracy is growing faster: +9.4% since 2020 vs -2%.
- Commutes are shorter in Westminster (27 vs 43 minutes each way).
Side by side
| Tracy, CA | Westminster, CA | |
|---|---|---|
| People | ||
| Population (2025) | 101,901 | 88,966 |
| Growth since 2020 | +9.4% | -2% |
| People per square mile | 3,869 | 8,862 |
| Median age | 35.6 | 43.2 |
| Bachelor's degree or higher | 29% | 26% |
| Money and housing | ||
| Median household income | $121,119 | $85,541 |
| Median home value | $699,000 | $858,300 |
| Home value to income | 5.8× | 10.0× |
| Median rent (with utilities) | $2,478 | $2,168 |
| Metro price level (US = 100) | 105.1 | 113.6 |
| Housing price level (US = 100) | 115.6 | 170.4 |
| $75,000 elsewhere equals | $78,800 | $85,200 |
| Homeowners | 65% | 53% |
| Top state income tax | 13.3% | 13.3% |
| Combined sales tax | 9.03% | 9.03% |
| Work and commute | ||
| Average commute (minutes) | 42.5 | 27.0 |
| Work from home | 15% | 12% |
| Take public transit | 1% | 1% |
| Unemployment (2020-24 avg) | 5.5% | 7.2% |
| Poverty rate | 7.8% | 14.4% |
| Weather | ||
| January high / low | 56° / 41° | 69° / 46° |
| July high / low | 93° / 62° | 84° / 66° |
| Precipitation per year | 12 in | 12 in |
| Snowfall per year | 0 in | 0 in |
| Days 90°F or hotter | 82 | 39 |
| Nights below freezing | 10 | 0 |
| Comfortable months | 5 | 11 |
| Risks, air and home prices | ||
| Natural hazard risk (FEMA, county) | Relatively High | Very High |
| FEMA risk score (lower is safer) | 98.6 | 99.8 |
| Good air days, 2025 | 60% | 11% |
| Home prices, past year | -1.8% | +3.3% |
| Home prices, past 5 years | +18.2% | +45.5% |
Highlighted cells are the better value where "better" is clear (lower prices, higher income, shorter commutes). Sources: Census Bureau 2025 estimates and ACS 2020-2024, BEA 2024, NOAA 1991-2020, Tax Foundation 2026.
Weather, month by month
Most comfortable months: Tracy: March to May and October to November. Westminster: September to July.
Full monthly tables: Tracy weather by month and Westminster weather by month.
What $75,000 is worth
A $75,000 salary in an average-priced US city buys about the same as $78,800 in Tracy and $85,200 in Westminster. Moving from Tracy to Westminster, you would need about $81,000 to match a $75,000 salary.
Moving between Tracy and Westminster
IRS county-to-county migration, 2022 to 2023 tax years, for the counties that contain each city. See where else people move from Tracy and Westminster.
Which would you pick?
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