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

McKinney

Texas
138
VS

Thousand Oaks

California
226

McKinney is 39% cheaper than Thousand Oaks.

$1,841/mo ↓ 29%
Median Rent
$2,580/mo ↑ 40%
$120,273/yr ↓ 10%
Median Income
$134,367/yr ↑ 12%
$439,500 ↓ 54%
Home Value
$951,200 ↑ 116%
$2,101/mo ↓ 23%
Owner Costs
$2,726/mo ↑ 30%
202,314
Population
125,676

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
23.0%
rent-to-income

Detailed Comparison

When comparing McKinney, TX and Thousand Oaks, CA, the overall cost of living indices are 138 and 226 respectively (national median = 100). Rent is $739/month cheaper in McKinney, saving renters about $8,868/year.

Median household income is $14,094/year higher in Thousand Oaks. Home values also differ significantly — the median in McKinney is $439,500 compared to $951,200 in Thousand Oaks.

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

Frequently Asked Questions

McKinney vs Thousand Oaks — common questions

Is McKinney or Thousand Oaks cheaper to live in?
Based on our cost index, McKinney is cheaper to live in with an index of 138 compared to 226 (US average = 100).
What is the rent difference between McKinney and Thousand Oaks?
Median rent in McKinney is $1,841/month and in Thousand Oaks it's $2,580/month — a difference of $739/month.
Which city has higher income, McKinney or Thousand Oaks?
Median household income is $120,273 in McKinney and $134,367 in Thousand Oaks. Median household income is $14,094/year higher in Thousand Oaks.
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 Thousand Oaks?
It depends on your priorities. McKinney has a cost index of 138 with median rent of $1,841/mo, while Thousand Oaks has a cost index of 226 with rent of $2,580/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View McKinney details → View Thousand Oaks details →

More Comparisons

Other cost of living comparisons for McKinney and Thousand Oaks

McKinney vs. Little Rock McKinney vs. Augusta McKinney vs. Salt Lake City McKinney vs. Oxnard McKinney vs. Columbus McKinney vs. Amarillo Thousand Oaks vs. Simi Valley Thousand Oaks vs. Allentown Thousand Oaks vs. Pearland Thousand Oaks vs. Palm Bay Thousand Oaks vs. Topeka Thousand Oaks vs. Meridian