Source-led head-to-head · 2024 ACS
Moving from Chicago to McKinney
Chicago and McKinney answer different parts of the relocation question. Chicago has the lower default annual core-cost model, while the salary, excluded state-tax assumption, and rent-versus-buy choice can reverse that result. Use the citywide ACS figures as reference points, then replace them with the actual offer and housing quote.
Corridor Direction & Trade-off Delta
⇄ Switch to McKinney → ChicagoMoving from Chicago to McKinney
Median Rent Impact
+$461/mo
Moving to McKinney costs ~$5,532 more/yr in rent.
State Tax Treatment
-5.0%
~$4,950 saved in state tax on a $100k salary in Texas.
Daily Commute Difference
-6 min / day
Difference of ~50 hours per year spent commuting based on 2024 ACS midpoint averages.
Your move
Compare the life behind the offer.
Adjust the assumptions. Every result updates instantly.
Search all 32,330 U.S. Census places directly below.Instant results use official 2024 ACS place data. Places with incomplete required signals remain visible in search but cannot be selected.
Directional estimate using ACS citywide benchmarks. Verified profiles may include a simplified state-tax reference; automatically added profiles exclude state tax until an official reference is approved. Exact tax, benefits, debt, housing, insurance, and personal circumstances may materially change the result.
LIVE VERDICTCHI → MCK
69/ 100
Worth serious consideration
Your modeled annual room improves.Estimated annual life delta+$11,555after essentials; unverified state tax excluded
Best gainMedian home value is nearly 3.8 times median household income.
Watch closelyHigher income supports housing costs but may reflect tradeoffs in commute or non-housing expenses.
The short answer
In the uniform one-person renting baseline, Chicago is about $5,532 lower per year. This is not a verdict by itself: replace city medians with the actual offer, address, household, benefits, insurance, and tax details before deciding.
Chicago household income$77,902
McKinney household income$124,215
Chicago gross rent$1,440
McKinney gross rent$1,901
Housing, income, and tax reference
| Metric | Chicago | McKinney |
|---|---|---|
| 2024 ACS population | 2,711,226 | 210,600 |
| Median household income | $77,902 | $124,215 |
| Median gross rent | $1,440 | $1,901 |
| Median owner-occupied home value | $334,100 | $471,800 |
| State-tax treatment | 4.95% simplified | Excluded |
Time and daily routine
The commute-time distribution produces a weighted one-way estimate of about 36 minutes in Chicago and 30 minutes in McKinney. This citywide estimate cannot capture a specific route, remote-work schedule, or transit choice, so the calculator converts it into an explicit time difference instead of hiding it in a subjective lifestyle score.
Decision checklist
- Compare actual offers rather than city medians
- Verify neighborhood housing against the citywide ACS benchmark
- Treat renting and buying as separate decisions
- Use the route-specific commute, not only the city estimate
What each city wins
Chicago
Median rent is 22% of median income, below common affordability benchmarks.. Watch lower rent burden may reflect older housing stock or income distribution, not necessarily lower housing quality or availability..
McKinney
Median home value is nearly 3.8 times median household income.. Watch higher income supports housing costs but may reflect tradeoffs in commute or non-housing expenses..
Source boundary: Core figures come from the 2024 ACS five-year tables linked on each city profile. Commute is derived from B08303 midpoint weighting. A state-tax value without an approved official reference is excluded and disclosed. This comparison becomes index-eligible only after its unique analysis clears the content quality gate.