Central Valley Coalition for Affordable Housing DPA
Deferred second loan · New construction · Income limits
Down payment assistance · San Joaquin County
Buying a home in Tracy, CA
2 county programs and 54 statewide.Tracy has no program of its own, 2 across San Joaquin County, and 54 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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What’s local to Tracy
No program of Tracy’s own yet
No program run for Tracy alone is listed. A home in Tracy can use San Joaquin County’s programs below, plus the California statewide and federal ones.
The closest city that runs its own program is Livermore, about 19 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in San JoaquinAnywhere in San Joaquin County
2 county programs2 county programs a Tracy homebuyer can use
The Tracy marketThe Tracy housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Tracy
- 81% single-familysingle-family
- 4.2% townhousetownhouse
- 3.7% 2–4 units2–4 units
- 10.2% 5+ unitscondo & apartment buildings (5+ units)
- 0.9% mobile & othermobile home & other
Condos count. All 2 of Tracy’s local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Tracy’s homes were built
pre-19401970s2020+
23.8%
of Tracy homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$108,100
County area median income, 4 people (HUD)HUD area median income, San Joaquin County, 4-person household (2026)
$121,119
Tracy median household incomeMedian household income in Tracy (Census, 2024)
52 of the 118 programs here set their income limit as a share of San Joaquin County’s area median income, adjusted for household size. See the published limits for San Joaquin County
Free help nearbyFree help near Tracy
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across California and nationwide
116 statewide & federal programs54 statewide programs, plus federal options
Tracy questions
Does Tracy have its own down payment program?
No program run for Tracy alone is listed. A home in Tracy can use the 2 programs that cover San Joaquin County and the 54 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Tracy?
All 2 of Tracy’s local and county programs accept condos. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in San Joaquin County?
Each program sets its own. 52 of the programs here set theirs as a share of HUD’s area median income for San Joaquin County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Tracy?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
95304 · 95376 · 95377 · 95378 · 95391
Nearby in San Joaquin
Sources
Sources: agency sites (June–August 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–August 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.