Most of Tracy is in San Joaquin County, where a full-time job needs to pay at least $54.21 an hour before taxes to take home four times the typical studio rent.
Across the 5 ZIP codes in Tracy with HUD rent figures, studio rents run from $1,530 to $2,290 a month. At the middle rent, $2,180, a full-time job would need to pay $80.30 an hour before taxes.
What the standard would be at each ZIP code's own studio rent. The calculator and the official standard use the county figure.
| ZIP | County | Studio rent | Pay needed |
|---|---|---|---|
| 95304 | San Joaquin County | $2,180/mo | $80.30/hr |
| 95376 | San Joaquin County | $1,790/mo | $63.42/hr |
| 95377 | San Joaquin County | $2,290/mo | $85.06/hr |
| 95378 | San Joaquin County | $1,530/mo | $52.54/hr |
| 95391 | San Joaquin County | $2,290/mo | $85.06/hr |
Under the Four Times Rent standard, a full-time job in Tracy needs to pay at least $54.21 an hour before taxes, about $112,756 a year. That is the figure for San Joaquin County, where the typical studio rent is $1,570 a month.
Yes. Across the 5 ZIP codes in Tracy with HUD rent figures, studio rents run from $1,530 to $2,290 a month. At the middle rent of $2,180, the pay needed would be $80.30 an hour.
The minimum wage in San Joaquin County is $16.90 an hour. The Four Times Rent standard there is 3.2 times that.
The Four Times Rent standard: a month of full-time work (160 hours) should take home at least four times the typical rent on a studio apartment in the county where the work is done. Rents: HUD FY2027 Fair Market Rents. Taxes: 2026 federal and state income taxes plus Social Security and Medicare, for a single filer. Why four times rent? · Method and data downloads