Terracotta on neutral-cool, muted skin tones (Soft Summer)

The answer

Close, but not a match. Terracotta sits just outside the Soft Summer palette. The nearest thing in the palette is #9E8C84, ΔE 17.8 away. Under 12 reads as the same colour family; past 25 the two are visibly different colours.

It does not collide with anything on the season's avoid list, so the only question is distance.

How terracotta scores across all twelve seasons

Terracotta is an opinionated colour: Soft Autumn scores it 82 and Light Summer scores it 14. A gap that wide means the colour genuinely decides something, and getting it right is worth the effort.

Soft Summer sits 8 of twelve at 55, 26 points behind Soft Autumn. That gap is the honest size of the compromise, not a verdict on the colour.

• Soft Autumn: 82 (ΔE 7.4).
• True Autumn: 79 (ΔE 8.4).
• True Spring: 77 (ΔE 9.4).
• Soft Summer: 55 (ΔE 17.8) <- this season.
• Light Summer: 14 (ΔE 27.0).

What to wear instead

Nearest first. These are the colours in the Soft Summer palette that get closest to what you wanted from terracotta, so the substitution costs the least.

• #9E8C84: mid-tone, a grey (ΔE 9.2).
• #A8988C: mid-tone, a grey (ΔE 8.3).
• #9A9084: mid-tone, a grey (ΔE 7.4).