Published October 25, 2026 in Market Update

One part of Tracy is moving faster, even as more sellers cut prices nationally

By Donny Piwowarski, Broker

Real estate, Tracy California

Nationally, sellers are cutting prices at a rate not seen since October 2022. Realtor.com reported that 20.8% of listings had price cuts in September. That is the backdrop. But the Real Estate Data Aggregator tells a different story for one part of Tracy.

ZIP 95377: the part moving faster

In ZIP 95377, the Real Estate Data Aggregator counted 77 homes sold in the three months ending August 31, 2026. Median days on market came in at 28 days. That is 15 days shorter than the same three months in 2025. Homes are finding buyers faster here, even as the national picture softens.

Nearly 4 in 10 homes in 95377 went under contract within two weeks of listing. The Real Estate Data Aggregator put that share at 38.7%, up 15.9 points from a year before. If you are buying here, the right home may not wait.

The sale-to-list ratio in 95377 reached 100.7%, according to the Real Estate Data Aggregator. That means the typical home sold for slightly more than its asking price. Sharp pricing and strong prep are not just nice to have here. They are what the numbers reward.

How the other Tracy ZIPs compare

The Real Estate Data Aggregator tracked two other Tracy ZIP codes for the same period. Each tells its own story.

ZIP 95376 had the most sales. The Real Estate Data Aggregator counted 110 homes sold there, up 10% from a year before. Median price dipped a little, down 2% to $570,500. Thirty percent of homes went under contract within two weeks, which was down 0.8 points from last year. Still a solid pace, just not accelerating the way 95377 is.

ZIP 95304 had the fastest median pace of all three. The Real Estate Data Aggregator put median days on market at 24 days, 13 days shorter than a year before. Median price rose 17.3% to $967,500. Sales volume jumped sharply too, up 157.1%, though the base was small: 36 homes sold. Moves like that in a smaller pool can shift quickly.

The national backdrop

Realtor.com reported that mortgage rates climbed above 7% for the first time since January 2025. CNBC put the average 30-year fixed rate at 7.41% as of October 21, 2026. Higher rates slow buyers down in many markets. That makes Tracy's pace in 95377 and 95304 worth noting.

The Federal Housing Finance Agency reported that U.S. house prices rose 2.6% from July 2025 to July 2026. Month over month, they rose 0.3% in July, seasonally adjusted. Prices are still moving up nationally, just slowly.

Tracy overall: more sales, more listings

Across all three Tracy ZIP codes together, the Real Estate Data Aggregator counted 223 homes sold in the three months ending August 31, 2026. That is up 18% from the same period in 2025. New listings rose 8% to 283. Pending sales climbed 6.3% to 219. More homes are coming to market and more are selling.

One street can read very differently from the ZIP code around it. These numbers cover whole ZIP codes, and your block may be ahead of or behind the averages. October 25, 2026 is when these facts were gathered, and the market keeps moving.