{"id":142072,"date":"2025-08-12T23:13:27","date_gmt":"2025-08-13T06:13:27","guid":{"rendered":"https:\/\/www.rentcafe.com\/blog\/?p=142072"},"modified":"2026-02-18T23:19:59","modified_gmt":"2026-02-19T07:19:59","slug":"renters-cost-of-living-mckinney-tx","status":"publish","type":"post","link":"https:\/\/www.rentcafe.com\/blog\/local-resources\/renters-cost-of-living-mckinney-tx\/","title":{"rendered":"Cost of Living in McKinney, TX: What to Expect When Renting Here"},"content":{"rendered":"

With its historic charm, strong community feel and proximity to Dallas<\/a>, McKinney, TX<\/a>, is quickly becoming a go-to destination for renters in north Texas. Whether you\u2019re relocating for work or simply looking for a slower pace without giving up city access, it\u2019s important to know what day-to-day expenses look like before making a move. Accordingly, understanding the cost of living in McKinney, TX, can help you plan wisely as you search for the right apartment<\/a>.<\/p>\n

Like anywhere, renters in McKinney need to budget for more than just rent. From utilities and groceries to health care and transportation, knowing how these expenses stack up can make all the difference. And, by comparing the average cost of living in McKinney, TX<\/a>, to both the cost of living in Texas and the national average, you\u2019ll get a clearer picture of how affordable life in this growing city really is.<\/p>\n

What is the average cost of living in McKinney, TX?<\/h2>\n

Renting in McKinney, TX<\/a>, can offer the best of both worlds \u2014 access to the Dallas-Fort Worth metro area, along with a slower-paced, family-friendly environment. But, that suburban lifestyle comes at a price, and it\u2019s important to know how it stacks up to both the cost of living in Texas and the national average.<\/p>\n

As of March 2025, McKinney\u2019s median household income sits at $120,273, which is considerably higher than the Texas and U.S. averages. According to our Cost of Living Calculator<\/a>, which uses data sourced from the Council for Community and Economic Research (C2ER<\/a>), the cost of living in McKinney, TX, is about 3% higher than the Texas average, but 2% lower than the U.S. average.<\/div>\n
<\/div>\n

That said, a few everyday costs in McKinney, TX, land above or below the national average:<\/p>\n

    \n
  • Housing: <\/strong>4% lower than the national average<\/li>\n
  • Utilities:<\/strong> 13% higher than the national average<\/li>\n
  • Food:<\/strong> 3% lower than the national average<\/li>\n
  • Healthcare:<\/strong> 29% higher than the national average<\/li>\n
  • Transportation:<\/strong> 15% lower than the national average<\/li>\n
  • Goods & Services:<\/strong> 6% lower than the national average<\/li>\n<\/ul>\n

    Breaking down the cost of living in McKinney, TX<\/h2>\n

    Here\u2019s a breakdown of the average prices of daily essentials and services in McKinney, TX:<\/p>\n

    Housing (Buy & Rent):<\/strong><\/p>\n

      \n
    • Average Monthly Rent: $1,691<\/li>\n
    • Average Home Price: $463,970<\/li>\n
    • Mortgage Rate: 7.2%<\/li>\n<\/ul>\n

      Utilities:<\/strong><\/p>\n

        \n
      • Energy Bill (Monthly): $244.55<\/li>\n
      • Phone Bill (Monthly): $203.29<\/li>\n<\/ul>\n

        Food:<\/strong><\/p>\n

          \n
        • Milk (1 gallon): $4.55<\/li>\n
        • Eggs (1 dozen): $3.07<\/li>\n
        • Bread: $4.09<\/li>\n
        • Potatoes: $4.50<\/li>\n
        • Cheese: $4.12<\/li>\n
        • Ground Beef (1 lb): $6.99<\/li>\n<\/ul>\n

          Healthcare:<\/strong><\/p>\n

            \n
          • Doctor\u2019s Visit: $226.23<\/li>\n
          • Dentist Appointment: $165<\/li>\n
          • Optometrist Visit: $119.45<\/li>\n<\/ul>\n

            Transportation:<\/strong><\/p>\n

              \n
            • Gas (Per Gallon): $2.99<\/li>\n
            • Tire Balancing: $45.94<\/li>\n<\/ul>\n

              Goods & Services:<\/strong><\/p>\n

                \n
              • Men\u2019s Shirt: $20<\/li>\n
              • Women\u2019s Slacks: $43.46<\/li>\n
              • Boy\u2019s Jeans: $17.74<\/li>\n
              • Haircut: $37.08<\/li>\n
              • Beauty Salon Appointment: $50.22<\/li>\n
              • Dry Cleaning: $12.11<\/li>\n
              • Movie Ticket: $10.76<\/li>\n<\/ul>\n

                \"A<\/p>\n

                Is McKinney, TX, a good choice for renters?<\/h2>\n

                Thanks to a cost of living that\u2019s slightly below the national average and competitive with other Texas cities, McKinney is an attractive option for renters. Specifically, the city offers a mix of suburban comfort, affordable transportation, and lower-than-average costs for essentials like groceries and services \u2014 all backed by a strong local economy.<\/p>\n

                If you\u2019re looking for a place that blends value, convenience and a high quality of life, renting in McKinney, TX, could be a smart move. With its balanced expenses and appealing lifestyle, it might just be the right fit for your next home.<\/p>\n","protected":false},"excerpt":{"rendered":"

                With its historic charm, strong community feel and proximity to Dallas, McKinney, TX, is quickly becoming a go-to destination for renters in north Texas. Whether you\u2019re relocating for work or simply looking for a slower pace without giving up city access, it\u2019s important to know what day-to-day expenses look like before making a move. Accordingly,…<\/p>\n","protected":false},"author":3644,"featured_media":142076,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1],"tags":[38986,38954],"class_list":["post-142072","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-local-resources","tag-cost-of-living","tag-mckinney-tx-local-guides","gallery-content-unit"],"yoast_head":"\nWhat\u2019s the Cost of Living in McKinney, TX?<\/title>\n<meta name=\"description\" content=\"Discover the average cost of living in McKinney, TX, from housing to utilities and food, and how it compares to state and national averages.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rentcafe.com\/blog\/local-resources\/renters-cost-of-living-mckinney-tx\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cost of Living in McKinney, TX: What to Expect When Renting Here\" \/>\n<meta property=\"og:description\" content=\"Discover the average cost of living in McKinney, TX, from housing to utilities and food, and how it compares to state and national averages.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.rentcafe.com\/blog\/local-resources\/renters-cost-of-living-mckinney-tx\/\" \/>\n<meta property=\"og:site_name\" content=\"RentCafe rental blog\" \/>\n<meta property=\"article:published_time\" content=\"2025-08-13T06:13:27+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-19T07:19:59+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.rentcafe.com\/blog\/wp-content\/uploads\/sites\/62\/2025\/08\/cost-of-living-mckinney-tx.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1400\" \/>\n\t<meta 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