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McKinney city, TX

ZIP 75070 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLarge CommunityLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 75070

Median Home Value
$429,300
Median Rent
$1,669
Affordability Snapshot
$118,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,758/mo PITI).

19%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

4.0x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

21.4 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 75070 in McKinney city, TX, a household would need roughly $118,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,758. That is roughly in line with the local median household income ($106,549). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
52.5%-20% vs US avg
x
Vacancy Rate
5.3%-49% vs US avg
x
Broadband Access
96.4%+11% vs US avg
x
4+ Bedrooms
5.5%-63% vs US avg
x
Built Pre-1939
0.0%-100% vs US avg
x
Built Post-2014
4.7%-31% vs US avg
x
Rent Burden >30%
21.3%-57% vs US avg
x
Mortgage-Free
21.9%-43% vs US avg
x
$429,300
Home Value
$1,669
Rent
2010
Year Built
2019
Moved In

Residents have lived here since ~2019 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached54.5%
  • 1-unit attached5.0%
  • 2-9 units5.8%
  • 10+ units34.6%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$429,300
Median rent$1,669
Owner-occupied52.5%
Vacant5.3%
Price-to-income4.0x
Est. income to buy$118,000