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Source-led head-to-head · 2024 ACS

Moving from Houston to McKinney

Houston and McKinney answer different parts of the relocation question. Houston 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

Moving from Houston to McKinney

⇄ Switch to McKinneyHouston
Median Rent Impact
+$540/mo

Moving to McKinney costs ~$6,480 more/yr in rent.

State Tax Treatment
0.0% difference

Neither state imposes an individual state income tax.

Daily Commute Difference
Equal time

Both cities average the same one-way commute duration.

Your move

Compare the life behind the offer.

Adjust the assumptions. Every result updates instantly.

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Instant results use official 2024 ACS place data. Places with incomplete required signals remain visible in search but cannot be selected.

What matters most?

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 VERDICTHOUMCK
61/ 100

A close, nuanced move

Your modeled annual room improves.
Estimated annual life delta+$5,904after essentials; unverified state tax excluded
Take-home$69,208$81,592
Core costs$31,332$37,812
Commute time0 hours gained
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.
See assumptions and methodology →
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The short answer

In the uniform one-person renting baseline, Houston is about $6,480 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.

Houston household income$64,813
McKinney household income$124,215
Houston gross rent$1,361
McKinney gross rent$1,901

Housing, income, and tax reference

MetricHoustonMcKinney
2024 ACS population2,328,253210,600
Median household income$64,813$124,215
Median gross rent$1,361$1,901
Median owner-occupied home value$277,800$471,800
State-tax treatment0% simplifiedExcluded
Salary & Affordability Benchmark

How much do you need to earn to live in McKinney?

2024 ACS Median Income

$124,215/yr

30% Rule for RentRecommended
$76,040 / year

To afford McKinney's median gross rent of $1,901/mo at or below 30% of gross earnings, a household needs approximately $36.56/hour (full-time).

28% Rule for HomeownershipMedian Home
$119,614 / year

Modeled against McKinney's median home benchmark of $471,800 (estimated $2,791/mo ownership carrying cost at typical 7.1% baseline).

Slide to test your income against local rent, taxes, and essentials.
$124,215gross/year
Affordability Status:Comfortable
Rent is 18% of gross income (25% of net pay)

At this income, median rent is only 18% of gross pay, leaving strong room for savings and essentials.

Monthly Budget AllocationEstimated Net Take-Home: $7,541/mo
Tax 27%
Rent 18%
Essentials 12%
Savings 43%
Taxes: $2,795/mo Rent: $1,901/mo Essentials: $1,250/mo Discretionary Margin: $4,390/mo

Time and daily routine

The commute-time distribution produces a weighted one-way estimate of about 30 minutes in Houston 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.

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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

Houston

Median owner-occupied home value of $277,800.. Watch a citywide median income of $64,813 paired with a 30-minute derived commute..

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.

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