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San Joaquin County

Tracy, CA mortgage rates

Central Valley value on the Bay Area's doorstep.

Tracy sits at the western edge of San Joaquin County, a popular landing spot for buyers priced out of the Bay Area who still commute over the Altamont Pass.

  • A core Bay Area bedroom community — the Altamont Corridor Express (ACE) runs weekday trains over the Altamont Pass to San Jose, and many buyers weigh that commute against the price gap.
  • A major warehouse/logistics hub (Amazon, Costco, FedEx and the Prologis International Park of Commerce), so local jobs plus commuter access both factor in.
  • Newer master-planned subdivisions mean lots of recent construction and, often, Mello-Roos community facilities districts to check for.

Tracy rates — no strings

Property type

How will you use it?

$
Loan$640,000
$
%
780+ · Excellent

The Tracy market, by the numbers

Population
95,358
U.S. Census (ACS) · ACS 2019–2023 5-yr
Median household income
$118,253
U.S. Census (ACS) · ACS 2019–2023 5-yr

Market figures are from the cited third-party sources and are provided for general information; they update over time and are not a quote.

2026 conforming loan limit (1-unit) in San Joaquin County: $832,750 Loans at or below this stay in conventional (non-jumbo) pricing. Going higher? See jumbo options. All 58 California county limits for 2026, 1–4 units.

Your Tracy number, not a national average.

Live pricing for San Joaquin County across 50+ wholesale lenders — no name, email, or SSN.

Price my Tracy loanTalk to Sam Naha