McKinney, TX population, income and ZIP codes

McKinney city is a mid-size city in Texas, with 202,314 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #15 of 1,863 ranked by population — larger than 99% of them. The median age here is 36.7 years against 39.1 nationally, a slightly younger profile than the country as a whole. At this size the Census also publishes one-year estimates; the five-year values used here are steadier and let you compare against smaller neighbours on the same basis.

Households in McKinney city earn a median of $120,273 a year, 53.1% above the national figure of $78,538 and 86% above the $64,654 median for the 1,008 Texas cities we cover. Median household income counts every pre-tax dollar arriving at an address — wages, self-employment, Social Security, pensions, interest and public assistance — for everyone living there, so multi-earner households pull the figure up even where individual pay is modest. Poverty reaches 6.1% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in McKinney city is valued at $439,500, 44.9% above the national figure and 145% above the $179,100 peer median, while median gross rent runs $1,841 a month, 30.9% above the national figure, or roughly $22,092 across a full year. A household on the local median income would put about 18.4% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 3.7×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 63.3% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

All values below were released by the Census for this exact geography, with no gap-filling on our side. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.