A typical Tracy home is worth roughly $271,000
Home prices around Tracy have risen about 52% over the past 5 years. No new homes were permitted in 2025.
What kind of housing town is Tracy?
Read from the numbers below. The page puts what stands out first.
Home prices up 52% in 5 years
The federal house price index for the ZIP code around Tracy rose 52% over the past 5 years, about the same as across Missouri. Last year prices rose 6.5%.
Federal Housing Finance Agency House Price Index (annual) for the ZIP codes around Tracy, weighted by land area. It tracks repeat sales of the same homes, so it shows how prices changed, not what homes cost.
What it takes to buy in Tracy
Try your own numbers below.
That covers a typical Tracy home, with $8K to spare.
A two-bedroom rents for about $1,590 a month here, $20 less than owning.
An estimate, not a loan offer: payments of up to 28% of income, a 30-year fixed loan, the Missouri typical property tax (0.85% of value a year, from the Census) and insurance of about 0.35%. Mortgage insurance, HOA fees and other debts aren’t included.
A two-bedroom rents for about $1,590
Renters already here pay a median of $737, so moving in tends to cost more than staying put.
Fair Market Rent a month, utilities included
U.S. Department of Housing and Urban Development, Fair Market Rents by ZIP code (Kansas City, MO-KS HUD Metro FMR Area): the 40th-percentile rent plus utilities for a standard unit. Median rent and renters: U.S. Census Bureau, American Community Survey.
No new homes permitted in 2025
No permits for new homes were issued in Tracy in 2025. The last year with any was 2023 (1 new home).
Between the 2010 and 2020 censuses, Tracy gained 61 residents while 54 new homes were permitted: about 1.1 new residents per new home. Building outpaced population growth, which usually means smaller households or homes used part of the year. Across Missouri: 1.1 new residents per new home.
Every year as a table
| Year | New homes | Single-family | 2+ per building | Value |
|---|---|---|---|---|
| 2026 (Jan–Aug) | 0 | 0 | 0 | — |
| 2025 | 0 | 0 | 0 | — |
| 2024 | 0 | 0 | 0 | — |
| 2023 | 1 | 1 | 0 | $300,000 |
| 2022 | 0 | 0 | 0 | — |
| 2021 | 7 | 7 | 0 | $1.5 million |
| 2020 | 8 | 6 | 2 | $1.8 million |
| 2019 | 11 | 11 | 0 | $1.4 million |
| 2018 | 15 | 15 | 0 | $2.6 million |
| 2017 | 20 | 20 | 0 | $3 million |
| 2016 | 6 | 6 | 0 | $1 million |
| 2015 | 0 | 0 | 0 | — |
| 2014 | 0 | 0 | 0 | — |
| 2013 | 0 | 0 | 0 | — |
| 2012 | 2 | 2 | 0 | $363,000 |
| 2011 | 0 | 0 | 0 | — |
| 2010 | 0 | 0 | 0 | — |
| 2009 | 0 | 0 | 0 | — |
| 2008 | 0 | 0 | 0 | — |
| 2007 | 0 | 0 | 0 | — |
| 2006 | 0 | 0 | 0 | — |
| 2005 | 1 | 1 | 0 | $85,000 |
| 2004 | 0 | 0 | 0 | — |
| 2003 | 0 | 0 | 0 | — |
| 2002 | 1 | 1 | 0 | $55,000 |
| 2001 | 0 | 0 | 0 | — |
| 2000 | 0 | 0 | 0 | — |
Tracy's permit office reported 6 of 12 months in 2025; the Census estimated the rest.
Homes authorized by building permits, counted in the year the permit was issued. U.S. Census Bureau, Building Permits Survey.
71% of Tracy households own their home
Half of Tracy’s homes were built before 1976.
Missouri: 68% own.
U.S. Census Bureau, American Community Survey 2020-2024 · figures for a place this size carry wide margins of error.
Neighbors talk housing
What Tracy buyers, sellers and renters are saying.
Your answer becomes a post in Town Square.
Home values: Zillow Home Value Index (ZHVI), Zillow Research. Sales, days on market and supply: Redfin Data Center. Income, ownership, taxes and rent: U.S. Census Bureau, American Community Survey. New homes: U.S. Census Bureau, Building Permits Survey. Price trend: Federal Housing Finance Agency House Price Index. Fair Market Rents: U.S. Department of Housing and Urban Development. Listings link to their publishers. The calculator is an estimate, not a loan offer.