5 Questions to Ask Before Renting an Apartment in McKinney, TX

If you’re considering making McKinney, TX, your next home, you’re in good company. This North Texas city has become a sought-after spot for renters who want the perks of Dallas-Fort Worth living without the sky-high costs of larger cities. Compared to Dallas or Plano, rental apartments in McKinney are often more affordable while still offering modern amenities, spacious layouts and a high quality of life. Plus, according to our recent study, it also ranks as the best city for renters in 2025.

What makes McKinney stand out for renters is the balance between affordability and lifestyle. For example, Texas has no state income tax, which means your paycheck stretches further. Add in the city’s strong economy, excellent public schools, and low crime rate, and it’s easy to see why so many families and professionals choose rental apartments in McKinney. The area also boasts great outdoor escapes — like Bonnie Wenk Park; Towne Lake Park; the Erwin Park Hike & Bike Trail; and the Heard Natural Science Museum & Wildlife Sanctuary — perfect for weekends without leaving the city.

That said, choosing the right place to live isn’t just about affordability. McKinney’s hot summers, stormy weather, commuter traffic and busy community events all come with their own considerations for renters. So, before you commit to a lease, here are five important questions to ask when touring apartments in McKinney, including:

• Flood risks
• HVAC & utility costs
• Commute times
• Parking options
• Neighborhood events & amenities

1. Is the apartment located in a flood-prone area, and how does the property handle heavy North Texas rains?

McKinney may not be on the coast, but North Texas thunderstorms can bring sudden, heavy downpours. In particular, some areas near creeks or low-lying land may be prone to flooding. As such, before renting, ask the property manager if the community has ever had water issues during storms.

You’ll also want to check if the apartment is in a floodplain, as this can affect both safety and insurance requirements. For peace of mind, many renters choose to add flood coverage to their renters insurance policy. It’s an extra step that can save a lot of hassle in the long run.

2. How well does the HVAC system perform during long, hot summers, and what’s the average electric bill?

Summers in McKinney are hot and stretch on for months, so a reliable HVAC system is a must when choosing apartments in McKinney. Specifically, ask whether the unit has central air conditioning and what kind of insulation the building uses.

You should also request an estimate of average monthly electricity costs, especially in July and August, when energy bills peak. Understanding these numbers upfront will help you budget better and avoid surprises once you move in.

3. What’s the commute like to major job centers in Dallas-Fort Worth, and how accessible is the property to U.S. 75 or the Sam Rayburn Tollway?

Many McKinney renters work in surrounding areas, like Dallas, Plano or Frisco. That said, traffic on U.S. Route 75, Sam Rayburn Tollway (121) and SH 380 can get heavy during rush hour, so it’s worth asking how long the commute typically takes from your potential new apartment.

Even if you don’t drive to Dallas every day, accessibility to these highways can make a big difference when traveling for work, errands or weekend activities. So, apartments for rent in McKinney that are close to major routes tend to make daily life easier.

4. What are the parking options, and is covered parking available to protect against hail and sun damage?

Cars are essential in McKinney, and North Texas weather can be tough on vehicles: Hailstorms happen in the spring, while long summers mean cars take a beating under the hot sun. So, before renting, ask about parking options. Does the property offer garages, covered carports or assigned parking spaces?

What’s more, for renters with multiple vehicles, parking availability can be a deciding factor. Covered parking may cost extra, but it often pays off in protection and convenience.

5. What amenities or neighborhood features are nearby, and how crowded do they get during weekends or community events?

McKinney is known for its historic downtown, outdoor parks and frequent community events. Living near these attractions is a big perk, but it can also bring extra traffic, noise and limited parking on busy weekends. Ask current renters or the leasing office how often events affect the area and whether the community has policies for managing overflow parking. For some renters, being within walking distance of restaurants and parks is worth the tradeoff. Others may prefer a quieter area just outside the action.

McKinney offers a balance of affordability, community and convenience that makes it a great choice for renters in 2025. By asking the right questions about location, utilities, commuting, parking and nearby amenities, you can make sure the apartment you choose fits your lifestyle.

If you’re ready to start your search, check out the latest listings for apartments in McKinney. With thoughtful planning, you’ll find the right spot to enjoy everything that this North Texas city has to offer.