Cost of Living: McKinney, TX vs Ontario, CA (2026)

McKinney

Texas
138
VS

Ontario

California
152

McKinney is 9% cheaper than Ontario.

$1,841/mo ↓ 4%
Median Rent
$1,916/mo ↑ 4%
$120,273/yr ↑ 45%
Median Income
$82,806/yr ↓ 31%
$439,500 ↓ 23%
Home Value
$568,000 ↑ 29%
$2,101/mo ↑ 7%
Owner Costs
$1,967/mo ↓ 6%
202,314
Population
178,347

Tax Comparison

0%
Income Tax
13.3%
6.25%
State Sales Tax
7.25%
1.6%
Property Tax
0.71%

Affordability

18.4%
rent-to-income
Affordability
27.8%
rent-to-income

Detailed Comparison

When comparing McKinney, TX and Ontario, CA, the overall cost of living indices are 138 and 152 respectively (national median = 100). Rent is $75/month cheaper in McKinney, saving renters about $900/year.

Median household income is $37,467/year higher in McKinney. Home values also differ significantly — the median in McKinney is $439,500 compared to $568,000 in Ontario.

Texas has no state income tax, giving McKinney residents a significant tax advantage over California's 13.3% rate.

Frequently Asked Questions

McKinney vs Ontario — common questions

Is McKinney or Ontario cheaper to live in?
Based on our cost index, McKinney is cheaper to live in with an index of 138 compared to 152 (US average = 100).
What is the rent difference between McKinney and Ontario?
Median rent in McKinney is $1,841/month and in Ontario it's $1,916/month — a difference of $75/month.
Which city has higher income, McKinney or Ontario?
Median household income is $120,273 in McKinney and $82,806 in Ontario. Median household income is $37,467/year higher in McKinney.
How do taxes compare between Texas and California?
Texas has 0% income tax, 6.25% sales tax, and 1.6% property tax. California has 13.3% income tax, 7.25% sales tax, and 0.71% property tax.
Should I move to McKinney or Ontario?
It depends on your priorities. McKinney has a cost index of 138 with median rent of $1,841/mo, while Ontario has a cost index of 152 with rent of $1,916/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View McKinney details → View Ontario details →

More Comparisons

Other cost of living comparisons for McKinney and Ontario

McKinney vs. Little Rock McKinney vs. Augusta McKinney vs. Salt Lake City McKinney vs. Oxnard McKinney vs. Columbus McKinney vs. Amarillo Ontario vs. Aurora Ontario vs. Eugene Ontario vs. Chattanooga Ontario vs. Elk Grove Ontario vs. Fort Lauderdale Ontario vs. Santa Rosa