Cost of Living: McKinney, TX vs Clearwater, FL (2026)

McKinney

Texas
138
VS

Clearwater

Florida
105

McKinney is 31% more expensive than Clearwater.

$1,841/mo ↑ 20%
Median Rent
$1,539/mo ↓ 16%
$120,273/yr ↑ 87%
Median Income
$64,440/yr ↓ 46%
$439,500 ↑ 35%
Home Value
$326,100 ↓ 26%
$2,101/mo ↑ 49%
Owner Costs
$1,411/mo ↓ 33%
202,314
Population
117,075

Tax Comparison

0%
Income Tax
0%
6.25%
State Sales Tax
6.0%
1.6%
Property Tax
0.86%

Affordability

18.4%
rent-to-income
Affordability
28.7%
rent-to-income

Detailed Comparison

When comparing McKinney, TX and Clearwater, FL, the overall cost of living indices are 138 and 105 respectively (national median = 100). Rent is $302/month cheaper in Clearwater, saving renters about $3,624/year.

Median household income is $55,833/year higher in McKinney. Home values also differ significantly — the median in McKinney is $439,500 compared to $326,100 in Clearwater.

Frequently Asked Questions

McKinney vs Clearwater — common questions

Is McKinney or Clearwater cheaper to live in?
Based on our cost index, Clearwater is cheaper to live in with an index of 105 compared to 138 (US average = 100).
What is the rent difference between McKinney and Clearwater?
Median rent in McKinney is $1,841/month and in Clearwater it's $1,539/month — a difference of $302/month.
Which city has higher income, McKinney or Clearwater?
Median household income is $120,273 in McKinney and $64,440 in Clearwater. Median household income is $55,833/year higher in McKinney.
How do taxes compare between Texas and Florida?
Texas has 0% income tax, 6.25% sales tax, and 1.6% property tax. Florida has 0% income tax, 6.0% sales tax, and 0.86% property tax.
Should I move to McKinney or Clearwater?
It depends on your priorities. McKinney has a cost index of 138 with median rent of $1,841/mo, while Clearwater has a cost index of 105 with rent of $1,539/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View McKinney details → View Clearwater details →

More Comparisons

Other cost of living comparisons for McKinney and Clearwater

McKinney vs. Little Rock McKinney vs. Augusta McKinney vs. Salt Lake City McKinney vs. Oxnard McKinney vs. Columbus McKinney vs. Amarillo Clearwater vs. North Charleston Clearwater vs. Lakeland Clearwater vs. Cambridge Clearwater vs. The Woodlands Clearwater vs. Richardson Clearwater vs. Evansville